LCL Group
ActiveLCL Group has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €139k and a net result of €86k. Equity is growing by ~26.8% per year across the filed fiscal years. Its solvency ranks better than 23% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83=
Solvency44▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.95 against 1.01 in 2024; short-term debt: 50.7% and cash: 10.9% of total assets), and 80.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.1%
Return on assets
11.8%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
28 d early
2023
41 d early
2022
46 d early
2021
24 d early
2020
44 d early
2019
43 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€139k▼ 1.7%
2024 · €142k
2018: €18k
2019: €36k
2020: €57k
2021: €123k
2022: €56k
2023: €75k
2024: €142k
2018 → 2025
Total assets
€728k▲ 24.2%
2024 · €586k
2018: €310k
2019: €311k
2020: €319k
2021: €367k
2022: €491k
2023: €545k
2024: €586k
2018 → 2025
Net result
€86k▲ 28.7%
2024 · €67k
2018: €11k
2019: €18k
2020: €21k
2021: €67k
2022: €40k
2023: €139k
2024: €67k
2018 → 2025
Working capital
€-18k
2024 · €2k
2018: €20k
2019: €10k
2020: €22k
2021: €69k
2022: €-22k
2023: €-21k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€56k▼ 54.9%€75k▲ 34.9%€142k▲ 88.8%€139k▼ 1.7%
Operating result€94k-€65k▼ 31.3%€200k▲ 208%€102k▼ 49.1%€135k▲ 32.9%
Net result€67k-€40k▼ 39.5%€139k▲ 245%€67k▼ 52.2%€86k▲ 28.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €728k
Fixed assets
€378k▼ 1.3%
Current assets
€351k▲ 72.0%
Equity and liabilities €728k
Equity
€139k▼ 1.7%
Debt
€589k▲ 32.4%
The debt ratio rises from 75.8% to 80.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€179k▲
2024 · €143k
Cash flow
€130k▲
2024 · €108k
Solvency
19.1%▼
2024 · 24.2%
Current ratio
0.95▼
2024 · 1.01
Quick ratio
0.47▲
2024 · 0.40
Debt / equity
4.22▲
2024 · 3.13
ROE
61.6%▲
2024 · 47.0%
ROA
11.8%▲
2024 · 11.4%
Interest coverage
11.63▼
2024 · 12.41
Debt
€589k▲
2024 · €445k
Debt ≤ 1 year
€369k▲
2024 · €201k
Debt > 1 year
€220k▼
2024 · €243k
Income taxes
€34k▲
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€586k€728k▲
Fixed assets21/28€383k€378k▼
Intangible fixed assets21€142-
Tangible fixed assets22/27€379k€374k▼
Land and buildings22€323k€351k▲
Plant, machinery and equipment23€268€851▲
Furniture and vehicles24€55k€22k▼
Financial fixed assets28€4k€4k=
Current assets29/58€204k€351k▲
Stocks and contracts in progress3€122k€177k▲
Stocks30/36€122k€177k▲
Amounts receivable within one year40/41€44k€85k▲
Trade receivables40€37k€23k▼
Other amounts receivable41€6k€62k▲
Current investments50/53-€4k
Cash at bank and in hand54/58€33k€80k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€586k€728k▲
Equity10/15€142k€139k▼
Contributions10/11€19k€19k=
Reserves13€123k€121k▼
Distributable reserves133€123k€121k▼
Amounts payable17/49€445k€589k▲
Amounts payable after more than one year17€243k€220k▼
Financial debts170/4€243k€220k▼
Amounts payable within one year42/48€201k€369k▲
Current portion of amounts payable after more than one year42€51k€56k▲
Financial debts43€93k€194k▲
Credit institutions430/8€93k€194k▲
Trade debts44€11k€3k▼
Suppliers440/4€11k€3k▼
Taxes, remuneration and social security45€7k€24k▲
Taxes450/3€7k€22k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€39k€92k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€44k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€3k-
Gross operating margin9900€149k€182k▲
Operating profit (loss)9901€102k€135k▲
Financial income75/76B€0€223▲
Recurring financial income75€0€223▲
Financial charges65/66B€11k€15k▲
Recurring financial charges65€11k€15k▲
Profit (loss) for the period before taxes9903€90k€120k▲
Income taxes67/77€24k€34k▲
Profit (loss) for the period9904€67k€86k▲
Profit (loss) for the period to be appropriated9905€67k€86k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€86k▲
Transfer from equity791/2-€2k
Transfer to equity691/2€67k-
To the legal reserve6920€67k-
Profit to be distributed694/7-€88k
Return on contributions (dividend)694-€88k
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
24-03
State Gazette act
Incorporation · Founder
Founding capital · Bank account
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €142k ▲88.8%
7 profitable years in a row build equity to €142k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €139k ▲245%
Operating result €200k, net result €139k, both a record.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €123k ▲118%
4 profitable years in a row build equity to €123k.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Nazareth-De Pinte · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
's Gravenstraat 2289810 Nazareth-De PinteGround area
952 m²
Building footprint
156 m²
Volume, LiDAR
537 m³
Parcel 44048B0350/00Z000, Flanders · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LCL Group
since 20182.271.990.814
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048B0350/00Z000 | Flanders | 952 m² | 1 · 156 m² | 5.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 1,973 EUR awarded · 1,973 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,223 EUR | 1,223 EUR |
| 2023 | 1 | 750 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
98450052DHA3C0491D71
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,880 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.