LDH RENOVATIONS
ActiveSummary
The computed 12-month bankruptcy probability of LDH RENOVATIONS is 2.2% (moderate). The 2025 annual accounts show equity of €296k and a net result of €15k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 40% of 7777 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-6
Solvency61▲+4
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.37 in 2024; short-term debt: 55.7% and cash: 10.6% of total assets), but 63.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
36.5%
Return on assets
1.8%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
29 d late
2022
32 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k▼ 74.6%
2024 · €59k
2022: €238k
2023: €-21k
2024: €59k
2022 → 2025
Working capital
€244k▲ 20.6%
2024 · €202k
2022: €179k
2023: €168k
2024: €202k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€243k-€222k▼ 8.6%€281k▲ 26.7%€296k▲ 5.3%
Operating result€345k-€-23k€91k€27k▼ 70.4%
Net result€238k-€-21k€59k€15k▼ 74.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 70% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €812k
Fixed assets
€116k ▼ 10.6%
Current assets
€696k ▼ 7.4%
Equity and liabilities €812k
Equity
€296k ▲ 5.3%
Debt
€516k ▼ 14.1%
Debt's share of the balance-sheet total falls from 68.1% to 63.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€83k▼
2024 · €128k
Cash flow
€71k▼
2024 · €96k
Current ratio
1.54▲
2024 · 1.37
Debt to equity
1.74▼
2024 · 2.14
ROE
5.1%▼
2024 · 21.1%
ROA
1.8%▼
2024 · 6.7%
Interest coverage
10.32▲
2024 · 10.16
Debt ≤ 1 year
€452k▼
2024 · €549k
Debt > 1 year
€57k▲
2024 · €44k
Income taxes
€7k▼
2024 · €25k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€881k€812k▼
Fixed assets21/28€130k€116k▼
Intangible fixed assets21€3k€1k▼
Tangible fixed assets22/27€127k€115k▼
Plant, machinery and equipment23€5k€36k▲
Furniture and vehicles24€121k€78k▼
Current assets29/58€751k€696k▼
Amounts receivable within one year40/41€630k€585k▼
Trade receivables40€522k€538k▲
Other amounts receivable41€107k€47k▼
Cash at bank and in hand54/58€120k€86k▼
Deferred charges and accrued income490/1€2k€25k▲
Equity and liabilities
Total equity and liabilities10/49€881k€812k▼
Equity10/15€281k€296k▲
Contributions10/11€5k€5k=
Reserves13€276k€291k▲
Distributable reserves133€276k€291k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€600k€516k▼
Amounts payable after more than one year17€44k€57k▲
Financial debts170/4€44k€57k▲
Amounts payable within one year42/48€549k€452k▼
Current portion of amounts payable after more than one year42€15k€20k▲
Trade debts44€295k€320k▲
Suppliers440/4€295k€320k▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48€235k€110k▼
Accrued charges and deferred income492/3€7k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€56k▲
Other operating charges640/8€24k€2k▼
Gross operating margin9900€152k€84k▼
Operating profit (loss)9901€91k€27k▼
Financial income75/76B€6k€2k▼
Recurring financial income75€6k€2k▼
Financial charges65/66B€13k€8k▼
Recurring financial charges65€13k€8k▼
Profit (loss) for the period before taxes9903€84k€22k▼
Income taxes67/77€25k€7k▼
Profit (loss) for the period9904€59k€15k▼
Profit (loss) for the period to be appropriated9905€59k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€15k▼
Profit (loss) brought forward from the previous period14P€-21k€0▲
Transfer to equity691/2€38k€15k▼
To other reserves6921€38k€15k▼
The notes to these accounts (15 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-21k ▼109%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Stoumont · 1 establishment unit since 2021
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.
Monceau 264987 StoumontGround area
1,946 m²
Building footprint
184 m²
Volume, LiDAR
1,021 m³
Parcel 63042G0492/00A000, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Monceau 26, 4987 Stoumont
since 20212.321.809.123
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63042G0492/00A000 | Wallonia | 1,946 m² | 1 · 184 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
Schilderwerken Vansteelandt
BE 0766.479.548
Gistel · Eq €296,812
Wuva
BE 0403.636.497
Heist-op-den-Berg · Eq €296,831
SCHILDER EN DECORATIEBEDRIJF LAHEY
BE 0892.438.701
Leuven · Eq €297,346
P.T.K. DECOR
BE 0476.970.279
Balen · Eq €297,404
HEYMAN SCHILDERWERKEN
BE 0729.834.532
Antwerpen · Eq €293,128
Of 7,861 companies in sector 43341 we hold annual accounts for 2,663. 1,832 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
Founded20-08-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
41001General construction of residential buildings
43120Site preparation
43221Plumbing work
43223Specialised construction activities
43230Insulation installation
43310Plastering work
43320Joinery installation
43331Floor and wall tiling
43343Specialised construction activities
43350Other building finishing work
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.