LD EXPERTISES
ActiveSummary
LD EXPERTISES has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €615k and a net result of €259k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 34% of 91 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability77▼-10
Solvency61▲+6
Growth85=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity short (current ratio 0.84 against 1.04 in 2025; short-term debt: 17.7% and cash: 14.1% of total assets), and 63.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 71
Relative position
BE, all sectors
reference
Sector 71
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 2026Solvency, return and age of the figures
Solvency
36.1%
Return on assets
15.2%
Age of the figures
6 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 14-09-2026, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
47 d early
2025
66 d early
2024
29 d early
2023
67 d early
2022
66 d early
2021
45 d early
2020
58 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 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Turnover
€130k▲ 86.0%
2024 · €70k
2019: €30k
2020: €63k
2021: €101k
2022: €80k
2023: €89k
2024: €70k
2019 → 2025
EBIT margin
35.3%▼ 15.6pp
2024 · 50.9%
2019: 30.2%
2020: 61.2%
2021: 84.4%
2022: 76.4%
2023: 59.5%
2024: 50.9%
2019 → 2025
Net result
€259k▲ 65.8%
2025 · €156k
2019: €5k
2020: €23k
2021: €63k
2022: €42k
2023: €137k
2024: €124k
2025: €156k
2019 → 2026
Working capital
€-47k
2025 · €18k
2019: €159k
2020: €182k
2021: €156k
2022: €167k
2023: €174k
2024: €184k
2025: €18k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Turnover€80k-€89k▲ 11.6%€70k▼ 21.1%€130k▲ 86.0%
Equity€208k-€319k▲ 53.5%€362k▲ 13.7%€519k▲ 43.1%€615k▲ 18.5%
Operating result€61k-€53k▼ 13.1%€36k▼ 32.5%€46k▲ 29.1%€72k▲ 57.2%
Net result€42k-€137k▲ 226%€124k▼ 9.7%€156k▲ 26.3%€259k▲ 65.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 57% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.70M
Fixed assets
€1.45M ▲ 10.2%
Current assets
€255k ▼ 42.6%
Equity and liabilities €1.70M
Equity
€615k ▲ 18.5%
Debt
€1.09M ▼ 12.2%
Debt's share of the balance-sheet total falls from 70.5% to 63.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€110k▲
2025 · €66k
Cash flow
€297k▲
2025 · €176k
Current ratio
0.84▼
2025 · 1.04
Debt to equity
1.77▼
2025 · 2.39
ROE
42.2%▲
2025 · 30.1%
ROA
15.2%▲
2025 · 8.9%
Interest coverage
4.70▼
2025 · 6.78
Debt ≤ 1 year
€302k▼
2025 · €425k
Debt > 1 year
€772k▼
2025 · €814k
Income taxes
€40k▲
2025 · €24k
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 · 2026 against 2025 · 61 lines
Balance sheet
Code20252026
Assets
Total assets20/58€1.76M€1.70M▼
Fixed assets21/28€1.31M€1.45M▲
Tangible fixed assets22/27€1.31M€1.44M▲
Land and buildings22-€1.44M
Plant, machinery and equipment23-€2k
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€1.30M€0▼
Financial fixed assets28€9k€7k▼
Current assets29/58€444k€255k▼
Amounts receivable within one year40/41€401k€15k▼
Trade receivables40€313k€9k▼
Other amounts receivable41€88k€6k▼
Cash at bank and in hand54/58€42k€240k▲
Deferred charges and accrued income490/1€611€116▼
Equity and liabilities
Total equity and liabilities10/49€1.76M€1.70M▼
Equity10/15€519k€615k▲
Contributions10/11€6k€6k=
Capital10€6k-
Issued capital100€19k-
Uncalled capital101€12k-
Reserves13€320k€416k▲
Non-distributable reserves130/1€2k€0▼
Legal reserve130€2k-
Reserves not available under the articles1311-€0
Distributable reserves133€319k€416k▲
Profit (loss) carried forward14€192k€192k=
Amounts payable17/49€1.24M€1.09M▼
Amounts payable after more than one year17€814k€772k▼
Financial debts170/4€814k€763k▼
Other amounts payable178/9-€10k
Amounts payable within one year42/48€425k€302k▼
Current portion of amounts payable after more than one year42€50k€51k▲
Trade debts44€248k€81k▼
Suppliers440/4€248k€81k▼
Taxes, remuneration and social security45€16k€26k▲
Taxes450/3€16k€26k▲
Other amounts payable47/48€111k€144k▲
Accrued charges and deferred income492/3-€14k
Income statement
Code20252026
Turnover70€130k-
Non-recurring operating income76A-€0
Goods, raw materials, services and sundry goods60/61€48k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€37k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€14k-
Other operating charges640/8€3k€3k▲
Gross operating margin9900€83k€113k▲
Operating profit (loss)9901€46k€72k▲
Financial income75/76B€144k€250k▲
Recurring financial income75€144k€250k▲
Financial charges65/66B€10k€23k▲
Recurring financial charges65€10k€23k▲
Profit (loss) for the period before taxes9903€181k€299k▲
Income taxes67/77€24k€40k▲
Profit (loss) for the period9904€156k€259k▲
Profit (loss) for the period to be appropriated9905€156k€259k▲
Appropriation of the result
Profit (loss) to be appropriated9906€347k€452k▲
Profit (loss) brought forward from the previous period14P€191k€192k▲
Transfer from equity791/2-€164k
Transfer to equity691/2€155k€259k▲
To other reserves6921€155k€259k▲
Profit to be distributed694/7-€164k
Return on contributions (dividend)694-€164k
The notes to these accounts (11 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 2027, expected by
2026
14-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Highest result since 2019net €259k ▲65.8%
Net result €259k, the highest in the series.
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €500kEq €519k ▲43.1%
7 profitable years in a row build equity to €519k.
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Equity above €200kEq €208k ▲25.4%
4 profitable years in a row build equity to €208k.
2021
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 15.07
Current ratio from 5.76 to 15.07; short-term debt falls from €38k to €11k.
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
11-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
05-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Herve · 1 establishment unit since 2013
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.
Rue Nazareth 24651 HerveGround area
3,545 m²
Building footprint
775 m²
Volume, LiDAR
2,749 m³
2 parcels, Wallonia · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LD EXPERTISES
since 20132.215.741.801
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63006D0328/00C002 | Wallonia | 3,159 m² | 1 · 640 m² | 5.8 m · 1 fl. |
| 62085A0481/00G000 | Wallonia | 385 m² | 1 · 135 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.
Similar companies · same sector, comparable size
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ARCHITECTENBUREAU CLAESEN NICOLE
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 3,669 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
Founded04-01-2013
Fiscal year end31-03
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.