LDB CONCEPT
ActiveLDB CONCEPT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €46k and a net result of €29k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 17% of 9981 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability48▲+31
Solvency33▲+7
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.03 against 0.99 in 2023; short-term debt: 78.7% and cash: 31% of total assets), and 92.4% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
7.6%
Return on assets
4.8%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 9981 sector peers (2024).
NBB · sector comparisonPosition among 9981 sector peers
Solvency
better than 17%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-12-2025, 126 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
126 d late
2023
118 d late
2022
60 d late
2021
31 d late
2020
67 d late
2019
118 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€274k
EBIT margin
1.1%
Net result
€29k
2023 · €-15k
2018: €585
2019: €4k
2020: €4k
2021: €2k
2022: €2k
2023: €-15k
2018 → 2024
Working capital
€13k
2023 · €-14k
2018: €19k
2019: €24k
2020: €28k
2021: €30k
2022: €2k
2023: €-14k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€274k
Equity€28k-€30k▲ 8.0%€32k▲ 5.1%€17k▼ 45.9%€46k▲ 170%
Operating result€6k-€3k▼ 46.6%€3k▲ 3.3%€-4k€57k
Net result€4k-€2k▼ 48.0%€2k▼ 30.8%€-15k€29k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €57k after a loss of €4k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €610k
Fixed assets
€117k▼ 2.8%
Current assets
€492k▼ 61.7%
Equity and liabilities €610k
Equity
€46k▲ 170%
Debt
€563k▼ 59.4%
The debt ratio falls from 98.8% to 92.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€61k▲
2023 · €-997
Cash flow
€32k▲
2023 · €-11k
Solvency
7.6%▲
2023 · 1.2%
Current ratio
1.03▲
2023 · 0.99
Quick ratio
1.03▲
2023 · 0.59
Debt / equity
12.21▼
2023 · 81.25
ROE
62.9%▲
2023 · -84.8%
ROA
4.8%▲
2023 · -1.0%
Interest coverage
2.85▲
2023 · -0.09
Debt
€563k▼
2023 · €1.39M
Debt ≤ 1 year
€479k▼
2023 · €1.30M
Debt > 1 year
€84k▼
2023 · €89k
Income taxes
€7k▲
2023 · €-560
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.41M€610k▼
Fixed assets21/28€121k€117k▼
Tangible fixed assets22/27€121k€117k▼
Land and buildings22€121k€117k▼
Current assets29/58€1.29M€492k▼
Stocks and contracts in progress3€513k-
Stocks30/36€513k-
Amounts receivable within one year40/41€760k€303k▼
Trade receivables40€517k€272k▼
Other amounts receivable41€244k€31k▼
Cash at bank and in hand54/58€12k€189k▲
Equity and liabilities
Total equity and liabilities10/49€1.41M€610k▼
Equity10/15€17k€46k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-3k€26k▲
Amounts payable17/49€1.39M€563k▼
Amounts payable after more than one year17€89k€84k▼
Financial debts170/4€89k€84k▼
Amounts payable within one year42/48€1.30M€479k▼
Current portion of amounts payable after more than one year42€5k€6k▲
Financial debts43€542k-
Credit institutions430/8€542k-
Trade debts44€316k€291k▼
Suppliers440/4€316k€291k▼
Taxes, remuneration and social security45-€136k
Taxes450/3-€133k
Remuneration and social security454/9-€3k
Other amounts payable47/48€436k€47k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€5k€5k▼
Gross operating margin9900€4k€66k▲
Operating profit (loss)9901€-4k€57k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€11k€21k▲
Recurring financial charges65€11k€21k▲
Profit (loss) for the period before taxes9903€-15k€36k▲
Income taxes67/77€-560€7k▲
Profit (loss) for the period9904€-15k€29k▲
Profit (loss) for the period to be appropriated9905€-15k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€26k▲
Profit (loss) brought forward from the previous period14P€11k€-3k▼
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
2025
04-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 126 days late
2024
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
26-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 118 days late
2023
31-12
Financial
Weakest financial yearnet €-15k ▼1040%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
06-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 67 days late
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
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, Le Roeulx · 1 establishment unit since 2018
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 d'Houdeng(R) 2007070 Le RoeulxGround area
1,792 m²
Building footprint
767 m²
Volume, LiDAR
7,954 m³
2 parcels, Wallonia · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LDB Concept
since 20182.276.039.870
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55035D0533/00S000 | Wallonia | 1,539 m² | 1 · 547 m² | 12.4 m · 4 fl. |
| 55032A0069/00M000 | Wallonia | 253 m² | 1 · 220 m² | 13.3 m · 4 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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,017 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2017
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.
Contact details
1 entryPhone:0498/672623