LD Conseils
ActiveSummary
LD Conseils has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €422k and a net result of €29k. Equity is shrinking by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 534 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 5.07 against 4.93 in 2024; short-term debt: 18.5% and cash: 36.7% of total assets), and 20.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 90
Relative position
BE, all sectors
reference
Sector 90
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
79.6%
Return on assets
5.5%
Age of the figures
9 mo
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
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
1819202122232425
2018 to 2025 · latest year €422k
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
53 d late
2023
28 d late
2022
31 d early
2021
32 d early
2020
15 d early
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€422k▲ 7.5%
2024 · €393k
2018: €507k
2019: €514k
2020: €535k
2021: €509k
2022: €516k
2023: €362k
2024: €393k
2018 → 2025
Total assets
€530k▲ 5.1%
2024 · €505k
2018: €615k
2019: €550k
2020: €588k
2021: €583k
2022: €595k
2023: €504k
2024: €505k
2018 → 2025
Net result
€29k▼ 5.3%
2024 · €31k
2018: €42k
2019: €8k
2020: €21k
2021: €-26k
2022: €6k
2023: €36k
2024: €31k
2018 → 2025
Working capital
€399k▲ 7.0%
2024 · €373k
2018: €497k
2019: €497k
2020: €521k
2021: €494k
2022: €504k
2023: €339k
2024: €373k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€509k-€516k▲ 1.3%€362k▼ 29.8%€393k▲ 8.6%€422k▲ 7.5%
Operating result€-25k-€10k€54k▲ 444%€47k▼ 13.6%€44k▼ 6.6%
Net result€-26k-€6k€36k▲ 468%€31k▼ 14.5%€29k▼ 5.3%
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 has fallen two years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €530k
Fixed assets
€33k ▼ 10.5%
Current assets
€497k ▲ 6.3%
Equity and liabilities €530k
Equity
€422k ▲ 7.5%
Debt
€108k ▼ 3.4%
Debt's share of the balance-sheet total falls from 22.2% to 20.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▼
2024 · €57k
Cash flow
€37k▼
2024 · €41k
Current ratio
5.07▲
2024 · 4.93
Debt to equity
0.26▼
2024 · 0.29
ROE
7.0%▼
2024 · 7.9%
ROA
5.5%▼
2024 · 6.1%
Interest coverage
43.84▼
2024 · 44.05
Debt ≤ 1 year
€98k▲
2024 · €95k
Debt > 1 year
€10k▼
2024 · €17k
Income taxes
€15k▲
2024 · €15k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€505k€530k▲
Fixed assets21/28€37k€33k▼
Tangible fixed assets22/27€36k€32k▼
Plant, machinery and equipment23€1k€733▼
Furniture and vehicles24€28k€25k▼
Other tangible fixed assets26€7k€7k=
Financial fixed assets28€922€922=
Current assets29/58€468k€497k▲
Amounts receivable within one year40/41€42k€49k▲
Trade receivables40€42k€44k▲
Other amounts receivable41-€5k
Current investments50/53-€250k
Cash at bank and in hand54/58€424k€195k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€505k€530k▲
Equity10/15€393k€422k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€144k€173k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€142k€172k▲
Profit (loss) carried forward14€243k€243k=
Amounts payable17/49€112k€108k▼
Amounts payable after more than one year17€17k€10k▼
Financial debts170/4€17k€10k▼
Amounts payable within one year42/48€95k€98k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€14k€6k▼
Suppliers440/4€14k€6k▼
Taxes, remuneration and social security45€12k€15k▲
Taxes450/3€12k€15k▲
Other amounts payable47/48€63k€70k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€618€638▲
Gross operating margin9900€57k€52k▼
Operating profit (loss)9901€47k€44k▼
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€46k€45k▼
Income taxes67/77€15k€15k▲
Profit (loss) for the period9904€31k€29k▼
Profit (loss) for the period to be appropriated9905€31k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€274k€272k▼
Profit (loss) brought forward from the previous period14P€243k€243k=
Transfer to equity691/2€31k€29k▼
To other reserves6921€31k€29k▼
The notes to these accounts (6 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-26k ▼224%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 14.88
Current ratio from 5.57 to 14.88; short-term debt falls from €109k to €36k.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB 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, Ukkel · 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.
Generaal Lotzstraat 641180 UkkelGround area
501 m²
Building footprint
163 m²
Volume, LiDAR
1,673 m³
2 parcels, Brussels · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Jean en Pierre Carsoellaan 8, 1180 Ukkel
since 20112.201.468.448
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0004/00G050 | Brussels | 281 m² | 1 · 89 m² | 12.8 m · 4 fl. |
| 21612D0250/00L000 | Brussels | 220 m² | 1 · 74 m² | 12.5 m · 3 fl. |
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.
Similar companies · same sector, comparable size
One Bookings
BE 0809.259.518
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LIAISON
BE 0692.749.650
Elsene · Eq €429k
Logisticsfair
BE 0831.343.448
Brussel · Eq €413k
EURMACON
BE 0460.018.342
Temse · Eq €399k
ZONZO COMPAGNIE
BE 0475.680.278
Antwerpen · Eq €396k
Of 1,993 companies in sector 90120 we hold annual accounts for 209. 117 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
Founded27-04-2011
Fiscal year end31-12
Activities, NACEBEL 2025
90120Visual arts creation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.