LD-Tech · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of LD-Tech is 1.3% (low). The 2025 annual accounts show equity of €488k and a net result of €40k. Equity is growing by ~36.1% per year across the filed fiscal years. Its solvency ranks better than 56% of 875 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-09-2025	30-04-2026	29-04-2026	1 d early	2026-00092218
30-09-2024	30-04-2025	30-04-2025	on the day	2025-00081304
30-09-2023	30-04-2024	04-04-2024	26 d early	2024-00056941
30-09-2022	30-04-2023	30-03-2023	31 d early	2023-00048216

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.3% Low

0%0,5%1,5%4%10%≥25%

Young company +Annual accounts: healthy financial profile −Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€40k-75.4%

Working capital€435k-5.3%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 29-04-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~36.1%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	42.6%	35.1%	better than 56% of 875 sector peers
Net result	€40k	€10k	better than 77% of 874 sector peers
Equity	€488k	€40k	better than 95% of 876 sector peers
Gross operating margin	€154k	€32k	better than 88% of 873 sector peers
Staff costs	€25k	€33k	higher than 44% of 229 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P56

Stable position over 2022-2025 · n=875-3381

Net result P77

Stable position over 2022-2025 · n=874-3367

Equity P95

Stable position over 2022-2025 · n=876-3388

Gross operating margin P88

Stable position over 2022-2025 · n=873-3353

Describes the position versus peers, not a forecast.

EBITDA

€125k

-56.2% 22-25

Net profit

€40k

-75.4% 22-25

Cash flow

€97k

-54.5% 22-25

Total assets

€1.15M

+6.4% 22-25

Equity

€488k

+8.9% 22-25

Working capital

€435k

-5.3% 22-25

Employees (FTE)

1

0.0% 22-25

Staff costs

€25k

+156.6% 22-25

Show 11 other metrics

Income taxes

€10k

-79.2% 22-25

Debt

€659k

+4.7% 22-25

Debt ≤ 1y

€305k

+58.8% 22-25

Debt > 1y

€353k

-19.1% 22-25

Current ratio

2.43

-28.5% 22-25

Quick ratio

0.95

-4.6% 22-25

Solvency

42.6%

+2.3% 22-25

Debt / equity

1.35

-3.9% 22-25

ROE

8.2%

-77.4% 22-25

ROA

3.5%

-76.9% 22-25

Interest coverage

6.24

-40.5% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€125k
Net profit	€40k
Cash flow	€97k
Staff costs	€25k
Income taxes	€10k
Dividends	-
Total assets	€1.15M
Equity	€488k
Debt	€659k
of which ≤ 1y	€305k
of which > 1y	€353k
Working capital	€435k
Employees (FTE)	1.0

Ratios (computed)

	2025
Current ratio	2.43
Quick ratio	0.95
Working capital ratio	38.0%
Solvency	42.6%
Debt / equity	1.35
Long-term debt ratio	0.72
Interest coverage	6.24
Gross margin	-
Net margin	-
ROA	3.5%
ROE	8.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €406k · 35.4% Current assets €741k · 64.6%

Equity & liabilities

Equity €488k · 42.6% Debt €659k · 57.4%

Full annual accounts (26 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.15M
Fixed assets	21/28	€406k
Formation expenses	20	€0
Intangible fixed assets	21	€16k
Tangible fixed assets	22/27	€390k
Current assets	29/58	€741k
Stocks & contracts in progress	3	€450k
Amounts receivable within one year	40/41	€269k
Cash & bank	54/58	€19k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.15M
Equity	10/15	€488k
Contributions / capital	10/11	€10k
Reserves	13	€478k
Accumulated profits (losses)	14	€116
Amounts payable	17/49	€659k
Amounts payable after one year	17	€353k
Amounts payable within one year	42/48	€305k
Trade debts payable within one year	44	€196k
Income statement
Gross operating margin	9900	€154k
Operating result	9901	€68k
Financial income	75	€1k
Financial charges	65	€20k
Result before taxes	9903	€50k
Income taxes	67/77	€10k
Net result for the period	9904	€40k
Result to be appropriated	9905	€40k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

74 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Bosschelweg 383950 Bocholt

Establishment units

1 location

LD-Tech

Bosschelweg 38, 3950 BocholtVervaardiging van elektronische onderdelen

since 20212.324.114.357

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area976 m²

Buildings1

Building footprint201 m²

Volume (LiDAR)308 m³

Tallest building8.2 m

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72016B0193/00F004	Flanders	976 m²	1 · 201 m²	8.2 m

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured

70 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 74

Profitability 41

Solvency 87

Growth 52

Stability 94

Credit advice

verdict per customer and amount

Similar

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We hold annual accounts for 40 of the 266 companies in this sector. 23 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Groothandel in verlichtingsapparatuur46474Vervaardiging van elektronische onderdelen26110Reparatie en onderhoud van elektrische apparatuur33140Bouw van civieltechnische werken voor elektriciteit en telecommunicatie42220Algemene elektrotechnische installatiewerken43211Activiteiten van ingenieurs en aanverwante technische adviseurs, exclusief landmeters-experts71121

Primary activity highlighted.

Names & trade names

Legal nameNL

LD-Tech

Registered office

Bosschelweg 38

3950 Bocholt, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.