LD BEDRIJFSANALYSES
Open bankruptcyA bankruptcy procedure is open for LD BEDRIJFSANALYSES according to publications in the Belgian State Gazette; curator: EDWIN BELLIS. The 2025 annual accounts show equity of €697k and a net result of €134k.
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-05-2026, 19 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 · 8 filingsDeviation from the deadline
2025
19 d late
2024
49 d late
2023
26 d early
2021
16 d early
2020
30 d early
2019
92 d early
2018
71 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€697k▲ 23.7%
2024 · €564k
2018: €73k
2019: €113k
2020: €194k
2021: €342k
2023: €460k
2024: €564k
2018 → 2025
Total assets
€1.02M▲ 1.6%
2024 · €1.00M
2018: €258k
2019: €252k
2020: €359k
2021: €585k
2023: €869k
2024: €1.00M
2018 → 2025
Net result
€134k▲ 29.5%
2024 · €103k
2018: €50k
2019: €40k
2020: €143k
2021: €181k
2023: €259k
2024: €103k
2018 → 2025
Working capital
€817k▲ 15.7%
2024 · €706k
2018: €101k
2019: €122k
2020: €232k
2021: €416k
2023: €631k
2024: €706k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€194k-€342k▲ 76.4%€460k▲ 34.8%€564k▲ 22.4%€697k▲ 23.7%
Operating result€169k-€236k▲ 39.7%€307k▲ 30.3%€149k▼ 51.4%€190k▲ 27.0%
Net result€143k-€181k▲ 26.2%€259k▲ 43.0%€103k▼ 60.1%€134k▲ 29.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.02M
Fixed assets
€3k▼ 20.2%
Current assets
€1.02M▲ 1.6%
Equity and liabilities €1.02M
Equity
€697k▲ 23.7%
Debt
€322k▼ 26.8%
The debt ratio falls from 43.8% to 31.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€191k▲
2024 · €151k
Cash flow
€135k▲
2024 · €105k
Solvency
68.4%▲
2024 · 56.2%
Current ratio
5.08▲
2024 · 3.40
Quick ratio
5.08▲
2024 · 3.40
Debt / equity
0.46▼
2024 · 0.78
ROE
19.2%▲
2024 · 18.3%
ROA
13.1%▲
2024 · 10.3%
Interest coverage
34.10▲
2024 · 17.92
Debt
€322k▼
2024 · €440k
Debt ≤ 1 year
€200k▼
2024 · €295k
Debt > 1 year
€122k▼
2024 · €144k
Income taxes
€51k▲
2024 · €39k
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€1.00M€1.02M▲
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€3k▼
Furniture and vehicles24€3k€3k▼
Current assets29/58€1.00M€1.02M▲
Amounts receivable within one year40/41€930k€1.01M▲
Trade receivables40€37k€37k▼
Other amounts receivable41€893k€972k▲
Cash at bank and in hand54/58€63k€3k▼
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.00M€1.02M▲
Equity10/15€564k€697k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€545k€679k▲
Amounts payable17/49€440k€322k▼
Amounts payable after more than one year17€144k€122k▼
Other amounts payable178/9€144k€122k▼
Amounts payable within one year42/48€295k€200k▼
Current portion of amounts payable after more than one year42€27k€22k▼
Financial debts43€95k€65k▼
Credit institutions430/8€95k€65k▼
Trade debts44€10k€10k▲
Suppliers440/4€10k€10k▲
Taxes, remuneration and social security45€71k€79k▲
Taxes450/3€71k€79k▲
Other amounts payable47/48€93k€24k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-28k-
Other operating charges640/8€702€710▲
Gross operating margin9900€123k€191k▲
Operating profit (loss)9901€149k€190k▲
Financial income75/76B€1k€59▼
Recurring financial income75€1k€59▼
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€142k€184k▲
Income taxes67/77€39k€51k▲
Profit (loss) for the period9904€103k€134k▲
Profit (loss) for the period to be appropriated9905€103k€134k▲
Appropriation of the result
Profit (loss) to be appropriated9906€543k€679k▲
Profit (loss) brought forward from the previous period14P€440k€545k▲
Transfer from equity791/2€2k-
The notes to these accounts (5 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
07-08
Bankruptcy
Opening
Ondernemingsrechtbank Leuven · LD BEDRIJFSANALYSES BV DORPSTRAAT 373, 3061 LEEFDAAL · event 28-07-2026
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
30-09
Financial
Equity above €500kEq €564k ▲22.4%
6 profitable years in a row build equity to €564k.
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €259k ▲43%
Operating result €307k, net result €259k, both a record.
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €342k ▲76.4%
4 profitable years in a row build equity to €342k.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €150kEq €194k ▲70.9%
3 profitable years in a row build equity to €194k.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €40k ▼20.5%
Net result drops to €40k, the lowest in the series.
31-12
Financial
Equity above €100kEq €113k ▲54.8%
2 profitable years in a row build equity to €113k.
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Bertem · 1 establishment unit since 2016
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.
Dorpstraat 3733061 BertemGround area
926 m²
Building footprint
186 m²
Volume, LiDAR
146 m³
Parcel 24061D0059/00F002, Flanders · tallest building 9.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LD BEDRIJFSANALYSES
since 20162.254.051.653
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24061D0059/00F002 | Flanders | 926 m² | 1 · 186 m² | 9.0 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | EDWIN BELLIS ST-MAARTENSTRAAT 61, 3000 LEUVEN- |
28-07-2026 → present |
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 227 EUR awarded · 599 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 162 EUR |
| 2023 | 1 | 227 EUR | 437 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 31,602 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2016
Fiscal year end30-09
Trade name NL
OPTOWIN
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
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.