Summary
LCW-INVEST has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €7.01M and a net result of €184k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 52% of 8663 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €7.01M
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-01-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
22 d early
2023
1 d early
2022
19 d early
2021
on the day
2020
3 d early
2019
60 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€7.01M▲ 2.7%
2024 · €6.83M
2019: €6.35M
2020: €6.39M
2021: €6.37M
2022: €6.37M
2023: €6.36M
2024: €6.83M
2019 → 2025
Total assets
€12.90M▲ 1.7%
2024 · €12.69M
2019: €12.92M
2020: €13.04M
2021: €13.19M
2022: €12.99M
2023: €13.13M
2024: €12.69M
2019 → 2025
Net result
€184k▼ 60.5%
2024 · €465k
2019: €279k
2020: €49k
2021: €-28k
2022: €1k
2023: €-3k
2024: €465k
2019 → 2025
Working capital
€-3.77M▲ 7.4%
2024 · €-4.07M
2019: €-4.70M
2020: €-4.60M
2021: €-4.75M
2022: €-4.82M
2023: €-4.76M
2024: €-4.07M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.37M-€6.37M=€6.36M=€6.83M▲ 7.3%€7.01M▲ 2.7%
Operating result€158k-€192k▲ 21.6%€247k▲ 28.4%€974k▲ 295%€628k▼ 35.5%
Net result€-28k-€1k€-3k€465k€184k▼ 60.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12.90M
Fixed assets
€11.20M ▼ 0.7%
Current assets
€1.71M ▲ 21.1%
Equity and liabilities €12.90M
Equity
€7.01M ▲ 2.7%
Debt
€5.89M ▲ 0.6%
Debt's share of the balance-sheet total falls from 46.2% to 45.7%. Equity and debt are higher.
Key figures and ratios
ROE
2.6%▼
2024 · 6.8%
ROA
1.4%▼
2024 · 3.7%
Debt ≤ 1 year
€5.48M=
2024 · €5.48M
Income taxes
€70k▼
2024 · €163k
Staff costs
€132k▲
2024 · €130k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€12.69M€12.90M▲
Fixed assets21/28€11.28M€11.20M▼
Tangible fixed assets22/27€2.34M€2.26M▼
Land and buildings22€2.13M€2.08M▼
Furniture and vehicles24€212k€162k▼
Assets under construction and advance payments27-€17k
Financial fixed assets28€8.94M€8.94M=
Current assets29/58€1.41M€1.71M▲
Amounts receivable within one year40/41€1.03M€1.04M▲
Trade receivables40€204k€121k▼
Other amounts receivable41€824k€917k▲
Current investments50/53-€399k
Cash at bank and in hand54/58€374k€260k▼
Deferred charges and accrued income490/1€8k€11k▲
Equity and liabilities
Total equity and liabilities10/49€12.69M€12.90M▲
Equity10/15€6.83M€7.01M▲
Contributions10/11€5.73M€5.73M=
Reserves13€34k€34k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€34k€34k=
Profit (loss) carried forward14€1.07M€1.25M▲
Amounts payable17/49€5.86M€5.89M▲
Amounts payable within one year42/48€5.48M€5.48M=
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€24k€47k▲
Suppliers440/4€24k€47k▲
Taxes, remuneration and social security45€37k€27k▼
Taxes450/3€17k€7k▼
Remuneration and social security454/9€20k€21k▲
Other amounts payable47/48€5.42M€5.41M▼
Accrued charges and deferred income492/3€374k€410k▲
Income statement
Code20242025
Remuneration, social security and pensions62€130k€132k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€97k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€1.18M€865k▼
Operating profit (loss)9901€974k€628k▼
Financial income75/76B€38k€42k▲
Recurring financial income75€38k€42k▲
Financial charges65/66B€384k€417k▲
Recurring financial charges65€384k€417k▲
Profit (loss) for the period before taxes9903€628k€254k▼
Income taxes67/77€163k€70k▼
Profit (loss) for the period9904€465k€184k▼
Profit (loss) for the period to be appropriated9905€465k€184k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.07M€1.25M▲
Profit (loss) brought forward from the previous period14P€605k€1.07M▲
Social balance
Average headcount (FTE)90871.81.0▼
The notes to these accounts (8 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
16-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Back to profitnet €465k
Net result €465k after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
12-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Weakest financial yearnet €-28k ▼158%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
21-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
23-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
06-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Roeselare · 1 establishment unit since 2011
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.
Mandellaan 3738800 RoeselareGround area
1,710 m²
Building footprint
373 m²
Volume, LiDAR
2,336 m³
Parcel 36502B1772/00M002, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LCW-INVEST
since 20112.195.775.142
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B1772/00M002 | Flanders | 1,710 m² | 1 · 373 m² | 10.6 m · 2 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
2024 · 1 entry · 35 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 35 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,699 companies in sector 70100 we hold annual accounts for 3,494. 988 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2010
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.