LCL-MARCHE
ActiveThe computed 12-month bankruptcy probability of LCL-MARCHE is 1.8% (moderate). The 2025 annual accounts show equity of €249k and a net result of €-118k. Equity is growing by ~50% per year across the filed fiscal years. Its solvency ranks better than 54% of 3674 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-76
Solvency58▼-14
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity tight (current ratio 1.29 against 1.51 in 2024; short-term debt: 67% and cash: 20% of total assets), and 67% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
31 d late
2023
8 d early
2022
21 d late
2021
4 d early
2020
10 d late
2019
26 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-118k
2024 · €45k
2018: €-71k
2019: €5k
2020: €80k
2021: €286k
2022: €90k
2023: €48k
2024: €45k
2018 → 2025
Working capital
€145k▼ 32.2%
2024 · €213k
2018: €-187k
2019: €-74k
2020: €115k
2021: €289k
2022: €158k
2023: €105k
2024: €213k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€295k-€324k▲ 10.0%€322k▼ 0.7%€367k▲ 14.1%€249k▼ 32.2%
Operating result€333k-€121k▼ 63.6%€93k▼ 23.2%€83k▼ 11.1%€-115k
Net result€286k-€90k▼ 68.7%€48k▼ 46.9%€45k▼ 4.7%€-118k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €115k after €83k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €755k
Fixed assets
€105k▼ 32.2%
Current assets
€650k▲ 2.9%
Equity and liabilities €755k
Equity
€249k▼ 32.2%
Debt
€506k▲ 20.8%
The debt ratio rises from 53.3% to 67.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-56k▼
2024 · €182k
Cash flow
€-59k▼
2024 · €144k
Solvency
33.0%▼
2024 · 46.7%
Current ratio
1.29▼
2024 · 1.51
Quick ratio
1.22▼
2024 · 1.39
Debt / equity
2.03▲
2024 · 1.14
ROE
-47.4%▼
2024 · 12.4%
ROA
-15.7%▼
2024 · 5.8%
Interest coverage
-7.50▼
2024 · 26.35
Debt
€506k▲
2024 · €419k
Debt ≤ 1 year
€506k▲
2024 · €419k
Income taxes
€-4k▼
2024 · €31k
Staff costs
€731k▲
2024 · €644k
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€786k€755k▼
Formation expenses20€0€0=
Fixed assets21/28€154k€105k▼
Tangible fixed assets22/27€154k€105k▼
Plant, machinery and equipment23€107k€73k▼
Furniture and vehicles24€47k€32k▼
Current assets29/58€632k€650k▲
Stocks and contracts in progress3€49k€32k▼
Stocks30/36€49k€32k▼
Amounts receivable within one year40/41€105k€433k▲
Trade receivables40€230€746▲
Other amounts receivable41€104k€432k▲
Cash at bank and in hand54/58€418k€151k▼
Deferred charges and accrued income490/1€60k€34k▼
Equity and liabilities
Total equity and liabilities10/49€786k€755k▼
Equity10/15€367k€249k▼
Contributions10/11€275k€275k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€74k€-45k▼
Amounts payable17/49€419k€506k▲
Amounts payable within one year42/48€419k€506k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€328k€410k▲
Suppliers440/4€328k€410k▲
Taxes, remuneration and social security45€91k€96k▲
Taxes450/3€10k€2k▼
Remuneration and social security454/9€80k€94k▲
Other amounts payable47/48€472€442▼
Accrued charges and deferred income492/3€42-
Income statement
Code20242025
Remuneration, social security and pensions62€644k€731k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€99k€59k▼
Other operating charges640/8€12k€13k▲
Gross operating margin9900€837k€687k▼
Operating profit (loss)9901€83k€-115k▼
Financial income75/76B€139€35▼
Recurring financial income75€139€35▼
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€76k€-123k▼
Income taxes67/77€31k€-4k▼
Profit (loss) for the period9904€45k€-118k▼
Profit (loss) for the period to be appropriated9905€45k€-118k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€-45k▼
Profit (loss) brought forward from the previous period14P€28k€74k▲
Social balance
Average headcount (FTE)908714.013.9▼
The notes to these accounts (10 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €-118k ▼361%
Net result drops to €-118k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 21 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €286k ▲259%
Operating result €333k, net result €286k, both a record.
31-12
Financial
Equity above €200kEq €295k ▲200%
3 profitable years in a row build equity to €295k.
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 10 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 26 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Marche-en-Famenne · 1 establishment unit since 2012
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.
Marche, Chaussée de Liège 436900 Marche-en-FamenneGround area
4,446 m²
Building footprint
1,255 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Marche, Chaussée de Liège 41, 6900 Marche-en-Famenne
since 20122.212.406.187
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83034B0253/00Y003 | Wallonia | 2,591 m² | 1 · 814 m² | - |
| 83034B0253/00W003 | Wallonia | 1,855 m² | 1 · 442 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMarche-en-Famenne2.212.406.187
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 6,200 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-2012
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.