Summary
LDL BEHEER 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 €1.81M and a net result of €-13k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 95% of 8023 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
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 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
3 d early
2023
33 d early
2022
256 d late
2021
1 d early
2020
11 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.81M▼ 0.7%
2024 · €1.83M
2019: €507k
2020: €1.79M
2021: €1.83M
2022: €1.85M
2023: €1.86M
2024: €1.83M
2019 → 2025
Net result
€-13k▲ 61.4%
2024 · €-35k
2019: €16k
2020: €1.29M
2021: €35k
2022: €22k
2023: €10k
2024: €-35k
2019 → 2025
Total assets
€1.82M▼ 1.1%
2024 · €1.84M
2019: €601k
2020: €1.86M
2021: €1.84M
2022: €1.94M
2023: €1.88M
2024: €1.84M
2019 → 2025
Solvency
99.6%▲ 0.3pp
2024 · 99.3%
2019: 84.5%
2020: 96.4%
2021: 99.4%
2022: 95.5%
2023: 99.2%
2024: 99.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.83M-€1.85M▲ 1.2%€1.86M▲ 0.5%€1.83M▼ 1.9%€1.81M▼ 0.7%
Operating result€34k-€21k▼ 37.8%€14k▼ 33.8%€-44k€-27k▲ 38.4%
Net result€35k-€22k▼ 39.1%€10k▼ 53.2%€-35k€-13k▲ 61.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €27k in 2025 against €44k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.82M
Fixed assets
€1.19M ▼ 3.2%
Current assets
€633k ▲ 3.1%
Equity and liabilities €1.82M
Equity
€1.81M ▼ 0.7%
Debt
€7k ▼ 47.8%
Debt's share of the balance-sheet total falls from 0.7% to 0.4%. Equity and debt are lower.
Key figures and ratios
ROE
-0.7%▲
2024 · -1.9%
ROA
-0.7%▲
2024 · -1.9%
Debt ≤ 1 year
€7k▼
2024 · €13k
Income taxes
€27▲
2024 · €0
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.84M€1.82M▼
Fixed assets21/28€1.23M€1.19M▼
Tangible fixed assets22/27€1.23M€1.19M▼
Land and buildings22€1.10M€1.08M▼
Furniture and vehicles24€46k€31k▼
Other tangible fixed assets26€33k€29k▼
Assets under construction and advance payments27€45k€45k=
Current assets29/58€614k€633k▲
Stocks and contracts in progress3€196k€196k=
Stocks30/36€196k€196k=
Amounts receivable within one year40/41€318k€290k▼
Trade receivables40€9k€6k▼
Other amounts receivable41€309k€283k▼
Cash at bank and in hand54/58€53k€115k▲
Deferred charges and accrued income490/1€47k€33k▼
Equity and liabilities
Total equity and liabilities10/49€1.84M€1.82M▼
Equity10/15€1.83M€1.81M▼
Contributions10/11€175k€175k=
Reserves13€36k€36k=
Distributable reserves133€36k€36k=
Profit (loss) carried forward14€1.62M€1.60M▼
Amounts payable17/49€13k€7k▼
Amounts payable within one year42/48€13k€7k▼
Trade debts44€12k€6k▼
Suppliers440/4€12k€6k▼
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3-€23
Remuneration and social security454/9€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€39k▲
Other operating charges640/8€7k€9k▲
Gross operating margin9900€-11k€21k▲
Operating profit (loss)9901€-44k€-27k▲
Financial income75/76B€10k€14k▲
Recurring financial income75€10k€14k▲
Financial charges65/66B€215€274▲
Recurring financial charges65€215€274▲
Profit (loss) for the period before taxes9903€-35k€-13k▲
Income taxes67/77€0€27▲
Profit (loss) for the period9904€-35k€-13k▲
Profit (loss) for the period to be appropriated9905€-35k€-13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.62M€1.60M▼
Profit (loss) brought forward from the previous period14P€1.65M€1.62M▼
The notes to these accounts (4 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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €-35k
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 256 days late
31-03
Financial
Liquidity times 5current ratio 42.39
Current ratio from 8.35 to 42.39; short-term debt falls from €87k to €16k.
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity times 6current ratio 96.80
Current ratio from 16.29 to 96.80; short-term debt falls from €66k to €11k.
2020
11-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
31-03
Financial
Highest result since 2019net €1.29M ▲7,997%
Operating result €1.30M, net result €1.29M, both a record.
31-03
Financial
Liquidity times 5current ratio 16.29
Current ratio from 3.18 to 16.29; short-term debt falls from €93k to €66k.
31-03
Financial
Equity above €1MEq €1.79M ▲254%
2 profitable years in a row build equity to €1.79M.
Show earlier events
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
06-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Sint-Truiden · 1 establishment unit since 2009
Ground area
3,762 m²
Building footprint
556 m²
Volume, LiDAR
1,190 m³
2 parcels, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
LDL BEHEER
since 20092.183.514.540
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71064A0552/00M000 | Flanders | 2,210 m² | 1 · 184 m² | 8.6 m · 2 fl. |
| 71064C0664/00S000 | Flanders | 1,553 m² | 1 · 371 m² | 7.8 m |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 183 EUR awarded · 183 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 183 EUR | 183 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 11,210 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
Founded15-12-2009
Fiscal year end31-03
Abbreviation NL
LDL
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.