Summary
LDB is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €411,150 and a net result of €39,224. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 45% of 5565 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
30 d early
2023
14 d early
2022
31 d early
2021
37 d early
2020
31 d early
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 27 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#8 company by equity in Haaltert, Finance and insurance sector#10 oldest company in Haaltert, Finance and insurance sector
Equity
€411,150▲ 9.5%
2024 · €375,345
Net result
€39,224▼ 20.3%
2024 · €49,243
Total assets
€911,757▲ 6.4%
2024 · €856,711
Solvency
45.1%▲ 1.3pp
2024 · 43.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€26,711▲ 18.6%€40,903▲ 53.1%€79,429▲ 94.2%€91,478▲ 15.2%€83,155▼ 9.1%
Net result€6,592within the sector's middle half€18,156within the sector's middle half▲ 175%€42,686within the sector's middle half▲ 135%€49,243within the sector's middle half▲ 15.4%€39,224within the sector's middle half▼ 20.3%
Equity€270,175within the sector's middle half▲ 1.9%€288,331within the sector's middle half▲ 6.7%€328,418within the sector's middle half▲ 13.9%€375,345within the sector's middle half▲ 14.3%€411,150within the sector's middle half▲ 9.5%
Total assets€780,945within the sector's middle half▼ 5.6%€873,293within the sector's middle half▲ 11.8%€847,933within the sector's middle half▼ 2.9%€856,711within the sector's middle half▲ 1.0%€911,757within the sector's middle half▲ 6.4%
Debt€510,770▼ 9.2%€584,962▲ 14.5%€519,515▼ 11.2%€481,367▼ 7.3%€500,607▲ 4.0%
Working capital-€198,266▼ 7.5%-€211,764▼ 6.8%-€198,897▲ 6.1%-€194,712▲ 2.1%-€221,094▼ 13.5%
Solvency34.6%within the sector's middle half▲ 2.6pp33.0%within the sector's middle half▼ 1.6pp38.7%within the sector's middle half▲ 5.7pp43.8%within the sector's middle half▲ 5.1pp45.1%within the sector's middle half▲ 1.3pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €911,757
Fixed assets
€851,927 ▲ 5.6%
Current assets
€59,831 ▲ 20.6%
Equity and liabilities €911,757
Equity
€411,150 ▲ 9.5%
Debt
€500,607 ▲ 4.0%
Debt's share of the balance-sheet total falls from 56.2% to 54.9%. Equity and debt are higher.
Key figures and ratios
ROE
9.5%▼
2024 · 13.1%
ROA
4.3%▼
2024 · 5.7%
Debt ≤ 1 year
€280,925▲
2024 · €244,305
Debt > 1 year
€207,523▼
2024 · €222,843
Income taxes
€20,787▲
2024 · €19,005
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,279 | €36,264 | €39,833 | €40,267 | €37,585 | ▼ 6.7% |
| Other operating charges640/8 | €2,833 | €5,221 | €4,369 | €4,094 | €4,269 | ▲ 4.3% |
| Gross operating margin9900 | €55,823 | €82,389 | €123,631 | €135,839 | €125,009 | ▼ 8.0% |
| Operating profit (loss)9901 | €26,711 | €40,903 | €79,429 | €91,478 | €83,155 | ▼ 9.1% |
| Financial income75/76B | €246 | €12 | €7 | €0 | €15 | ▲ 48,867% |
| Recurring financial income75 | €246 | €12 | €7 | €0 | €15 | ▲ 48,867% |
| Financial charges65/66B | €19,464 | €20,665 | €21,335 | €23,230 | €23,159 | ▼ 0.3% |
| Recurring financial charges65 | €19,464 | €20,665 | €21,335 | €23,230 | €23,159 | ▼ 0.3% |
| Profit (loss) for the period before taxes9903 | €7,493 | €20,251 | €58,100 | €68,248 | €60,011 | ▼ 12.1% |
| Income taxes67/77 | €901 | €2,095 | €15,414 | €19,005 | €20,787 | ▲ 9.4% |
| Profit (loss) for the period9904 | €6,592 | €18,156 | €42,686 | €49,243 | €39,224 | ▼ 20.3% |
| Profit (loss) for the period to be appropriated9905 | €6,592 | €18,156 | €42,686 | €49,243 | €39,224 | ▼ 20.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €780,945 | €873,293 | €847,933 | €856,711 | €911,757 | ▲ 6.4% |
| Fixed assets21/28 | €764,128 | €832,147 | €812,488 | €807,118 | €851,927 | ▲ 5.6% |
| Intangible fixed assets21 | €987 | €687 | €387 | €87 | - | - |
| Tangible fixed assets22/27 | €763,041 | €831,360 | €812,101 | €807,031 | €851,927 | ▲ 5.6% |
| Land and buildings22 | €754,029 | €765,679 | €761,797 | €793,920 | €844,267 | ▲ 6.3% |
| Plant, machinery and equipment23 | €4,571 | €4,407 | €2,808 | €2,198 | €2,334 | ▲ 6.2% |
| Furniture and vehicles24 | €4,442 | €1,480 | €1,613 | €10,914 | €5,326 | ▼ 51.2% |
| Leasing and similar rights25 | - | €59,794 | €45,884 | - | - | - |
| Financial fixed assets28 | €100 | €100 | - | - | - | - |
| Current assets29/58 | €16,817 | €41,146 | €35,445 | €49,593 | €59,831 | ▲ 20.6% |
| Amounts receivable within one year40/41 | €3,104 | €14,102 | €24,588 | €28,572 | €18,185 | ▼ 36.4% |
| Trade receivables40 | €284 | €13,802 | €24,288 | €27,795 | €17,408 | ▼ 37.4% |
| Other amounts receivable41 | €2,820 | €300 | €300 | €778 | €778 | = |
| Cash at bank and in hand54/58 | €11,666 | €25,145 | €7,082 | €18,237 | €37,304 | ▲ 105% |
| Deferred charges and accrued income490/1 | €2,046 | €1,899 | €3,774 | €2,784 | €4,341 | ▲ 55.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €780,945 | €873,293 | €847,933 | €856,711 | €911,757 | ▲ 6.4% |
| Equity10/15 | €270,175 | €288,331 | €328,418 | €375,345 | €411,150 | ▲ 9.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | - | - | - | - | €18,600 | - |
| Other1109/19 | - | - | - | - | €18,600 | - |
| Reserves13 | €251,575 | €269,731 | €309,818 | €356,745 | €392,550 | ▲ 10.0% |
| Distributable reserves133 | €251,575 | €269,731 | €309,818 | €356,745 | €392,550 | ▲ 10.0% |
| Amounts payable17/49 | €510,770 | €584,962 | €519,515 | €481,367 | €500,607 | ▲ 4.0% |
| Amounts payable after more than one year17 | €289,111 | €312,602 | €256,687 | €222,843 | €207,523 | ▼ 6.9% |
| Financial debts170/4 | €289,111 | €312,602 | €256,687 | €222,843 | €207,523 | ▼ 6.9% |
| Amounts payable within one year42/48 | €215,083 | €252,911 | €234,342 | €244,305 | €280,925 | ▲ 15.0% |
| Current portion of amounts payable after more than one year42 | €36,975 | €49,216 | €53,020 | €54,270 | €61,207 | ▲ 12.8% |
| Financial debts43 | - | - | €10,000 | €15,000 | €10,000 | ▼ 33.3% |
| Credit institutions430/8 | - | - | €10,000 | €15,000 | €10,000 | ▼ 33.3% |
| Trade debts44 | €2,860 | €3,060 | €3,234 | €1,379 | €4,417 | ▲ 220% |
| Suppliers440/4 | €2,860 | €3,060 | €3,234 | €1,379 | €4,417 | ▲ 220% |
| Advances received on contracts in progress46 | - | - | - | €2,115 | - | - |
| Taxes, remuneration and social security45 | €13,781 | €13,841 | €14,129 | €7,703 | €30,137 | ▲ 291% |
| Taxes450/3 | €9,824 | €9,884 | €14,129 | €7,703 | €30,137 | ▲ 291% |
| Remuneration and social security454/9 | €3,957 | €3,957 | - | - | - | - |
| Other amounts payable47/48 | €161,466 | €186,794 | €153,958 | €163,838 | €175,163 | ▲ 6.9% |
| Accrued charges and deferred income492/3 | €6,576 | €19,449 | €28,486 | €14,219 | €12,160 | ▼ 14.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,592 | €18,156 | €42,686 | €49,243 | €39,224 | ▼ 20.3% |
| + Depreciation and write-downs630 | €26,279 | €36,264 | €39,833 | €40,267 | €37,585 | ▼ 6.7% |
| Operating cash flow (approximation) | €32,871 | €54,420 | €82,520 | €89,510 | €76,809 | ▼ 14.2% |
| Investment in fixed assets (approximation) | - | -€104,282 | -€20,175 | -€34,897 | -€82,394 | ▼ 136% |
| Change in cash | - | €13,479 | -€18,063 | €11,155 | €19,068 | ▲ 70.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €6,592
Net result €6,592 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€11,373
Net result drops to -€11,373, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-07
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Haaltert · 1 establishment unit since 2013
Ground area
1,766 m²
Building footprint
190 m²
Volume, LiDAR
1,312 m³
Parcel 41010B0750/00F002, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LDB immo
since 20132.224.385.588
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41010B0750/00F002 | Flanders | 1,766 m² | 1 · 190 m² | 11.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2021 list no shareholders, and no other source names one.
Holdings 1
-
1%
According to the 2021 annual accounts of LDB and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 13,738 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-08-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
90202Performing arts by artistic ensembles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0537812738
Also
9925:BE0537812738
Registered
19-06-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.