Summary
LDL IMMO 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 €614,208 and a net result of -€132,643. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 10% of 5585 sector peers (fiscal year 2025). The company has been active since 2014 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 5585 sector peers (2025).
NBB · sector comparisonPosition among 5585 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
39 d early
2023
41 d early
2022
41 d early
2021
31 d early
2020
31 d early
2019
88 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 35 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 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 23 December (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€614,208▼ 17.8%
2024 · €746,851
Net result
-€132,643
2024 · €45,469
Total assets
€9.7m▲ 10.1%
2024 · €8.8m
Solvency
6.3%▼ 2.1pp
2024 · 8.5%
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
Turnover€20,560
Operating result€265,516▲ 39.4%€185,684▼ 30.1%€407,688▲ 120%€309,865▼ 24.0%€165,763▼ 46.5%
Net result€97,402within the sector's middle half▲ 43.9%€42,508within the sector's middle half▼ 56.4%€182,392within the sector's middle half▲ 329%€45,469within the sector's middle half▼ 75.1%-€132,643below the sector's middle half
Equity€476,482within the sector's middle half▲ 25.7%€518,990within the sector's middle half▲ 8.9%€701,382within the sector's middle half▲ 35.1%€746,851within the sector's middle half▲ 6.5%€614,208within the sector's middle half▼ 17.8%
Total assets€4.1mabove the sector's middle half▼ 3.5%€4.6mabove the sector's middle half▲ 11.9%€7.4mabove the sector's middle half▲ 60.7%€8.8mabove the sector's middle half▲ 19.6%€9.7mabove the sector's middle half▲ 10.1%
Debt€3.6m▼ 6.3%€4.1m▲ 12.3%€6.7m▲ 63.9%€8.1m▲ 21.0%€9.1m▲ 12.7%
Working capital-€87,798within the sector's middle half-€258,433below the sector's middle half▼ 194%€775,684above the sector's middle half-€493,278below the sector's middle half-€909,520below the sector's middle half▼ 84.4%
Solvency11.6%below the sector's middle half▲ 2.7pp11.3%below the sector's middle half▼ 0.3pp9.5%below the sector's middle half▼ 1.8pp8.5%below the sector's middle half▼ 1.0pp6.3%below the sector's middle half▼ 2.1pp
Current ratio0.67within the sector's middle half▼ 1.060.48within the sector's middle half▼ 0.191.77within the sector's middle half▲ 1.290.64within the sector's middle half▼ 1.130.28below the sector's middle half▼ 0.36
Return on assets (ROA)2.4%within the sector's middle half▲ 0.8pp0.9%within the sector's middle half▼ 1.4pp2.5%within the sector's middle half▲ 1.5pp0.5%within the sector's middle half▼ 2.0pp-1.4%below the sector's middle half▼ 1.9pp
Staff (FTE)1.9within the sector's middle half=1.9within the sector's middle half=1.9above the sector's middle half=1.9above the sector's middle half=1.4above the sector's middle half▼ 26.3%
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 schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 47% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.7m
Fixed assets
€9.4m ▲ 17.8%
Current assets
€350,224 ▼ 59.8%
Equity and liabilities €9.7m
Equity
€614,208 ▼ 17.8%
Debt
€9.1m ▲ 12.7%
Debt's share of the balance-sheet total rises from 91.5% to 93.7%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-21.6%▼
2024 · 6.1%
Debt ≤ 1 year
€1.3m▼
2024 · €1.4m
Debt > 1 year
€7.8m▲
2024 · €6.7m
Income taxes
€196▼
2024 · €23,356
Staff costs
€127,927▼
2024 · €159,013
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 |
|---|---|---|---|---|---|---|
| Turnover70 | - | €20,560 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €65,775 | - | - | - | - |
| Remuneration, social security and pensions62 | - | €144,285 | €148,899 | €159,013 | €127,927 | ▼ 19.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €158,434 | €193,374 | €245,449 | €351,770 | €458,876 | ▲ 30.4% |
| Other operating charges640/8 | - | €4,695 | €14,240 | €36,911 | €47,042 | ▲ 27.4% |
| Gross operating margin9900 | €540,353 | €528,038 | €816,277 | €857,560 | €799,607 | ▼ 6.8% |
| Operating profit (loss)9901 | €265,516 | €185,684 | €407,688 | €309,865 | €165,763 | ▼ 46.5% |
| Financial income75/76B | - | €0 | €610 | €205 | €6 | ▼ 97.1% |
| Recurring financial income75 | €529 | €0 | €610 | €205 | €6 | ▼ 97.1% |
| Non-recurring financial income76B | - | €0 | - | - | - | - |
| Financial charges65/66B | - | €120,270 | €156,571 | €241,245 | €298,215 | ▲ 23.6% |
| Recurring financial charges65 | €129,668 | €120,270 | €156,571 | €241,245 | €298,215 | ▲ 23.6% |
| Profit (loss) for the period before taxes9903 | €139,849 | €65,414 | €251,726 | €68,825 | -€132,447 | ▼ 292% |
| Income taxes67/77 | €42,447 | €22,906 | €69,334 | €23,356 | €196 | ▼ 99.2% |
| Profit (loss) for the period9904 | €97,402 | €42,508 | €182,392 | €45,469 | -€132,643 | ▼ 392% |
| Transfer from tax-exempt reserves789 | - | - | - | €42,100 | €0 | ▼ 100% |
| Transfer to tax-exempt reserves689 | - | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €55,302 | €42,508 | €182,392 | €87,569 | -€132,643 | ▼ 251% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.1m | €4.6m | €7.4m | €8.8m | €9.7m | ▲ 10.1% |
| Fixed assets21/28 | €3.9m | €4.4m | €5.6m | €8.0m | €9.4m | ▲ 17.8% |
| Intangible fixed assets21 | €74,387 | €53,117 | €31,846 | €10,576 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €3.0m | €3.4m | €4.7m | €7.0m | €8.5m | ▲ 20.2% |
| Land and buildings22 | - | €3.4m | €4.7m | €7.0m | €8.5m | ▲ 20.3% |
| Plant, machinery and equipment23 | - | €22,528 | €13,528 | €4,528 | €0 | ▼ 100% |
| Financial fixed assets28 | €902,283 | €902,283 | €902,283 | €902,283 | €902,283 | = |
| Current assets29/58 | €176,696 | €241,072 | €1.8m | €871,841 | €350,224 | ▼ 59.8% |
| Amounts receivable within one year40/41 | €52,747 | €167,503 | €1.6m | €842,720 | €289,671 | ▼ 65.6% |
| Trade receivables40 | - | €11,613 | €8,119 | €6,242 | €257,590 | ▲ 4,027% |
| Other amounts receivable41 | - | €155,890 | €1.6m | €836,478 | €32,082 | ▼ 96.2% |
| Cash at bank and in hand54/58 | €116,883 | €73,228 | €164,733 | €23,107 | €53,599 | ▲ 132% |
| Deferred charges and accrued income490/1 | - | €341 | €15,000 | €6,014 | €6,954 | ▲ 15.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.1m | €4.6m | €7.4m | €8.8m | €9.7m | ▲ 10.1% |
| Equity10/15 | €476,482 | €518,990 | €701,382 | €746,851 | €614,208 | ▼ 17.8% |
| Contributions10/11 | €326,017 | €326,017 | €326,017 | €326,017 | €326,017 | = |
| Capital10 | - | €326,017 | €326,017 | €326,017 | €326,017 | = |
| Issued capital100 | - | €326,017 | €326,017 | €326,017 | €326,017 | = |
| Reserves13 | €129,922 | €172,430 | €375,365 | €420,834 | €288,191 | ▼ 31.5% |
| Non-distributable reserves130/1 | - | €32,602 | €32,602 | €32,602 | €32,602 | = |
| Legal reserve130 | - | €32,602 | €32,602 | €32,602 | €32,602 | = |
| Tax-exempt reserves132 | - | €42,100 | €42,100 | €0 | - | - |
| Distributable reserves133 | - | €97,728 | €300,663 | €388,232 | €255,589 | ▼ 34.2% |
| Profit (loss) carried forward14 | €20,543 | €20,543 | €0 | - | - | - |
| Amounts payable17/49 | €3.6m | €4.1m | €6.7m | €8.1m | €9.1m | ▲ 12.7% |
| Amounts payable after more than one year17 | €3.4m | €3.6m | €5.7m | €6.7m | €7.8m | ▲ 16.7% |
| Financial debts170/4 | - | €2.7m | €4.8m | €5.8m | €7.0m | ▲ 19.3% |
| Other amounts payable178/9 | - | €864,300 | €864,900 | €882,400 | €882,400 | = |
| Amounts payable within one year42/48 | €264,494 | €499,505 | €1.0m | €1.4m | €1.3m | ▼ 7.7% |
| Current portion of amounts payable after more than one year42 | - | €229,971 | €368,087 | €475,282 | €609,550 | ▲ 28.3% |
| Financial debts43 | - | €15,014 | €35,135 | €29,421 | €14,672 | ▼ 50.1% |
| Other loans439 | - | €15,014 | €35,135 | €29,421 | €14,672 | ▼ 50.1% |
| Trade debts44 | €3,510 | €0 | €8,377 | €4,208 | €4,879 | ▲ 15.9% |
| Suppliers440/4 | - | €0 | €8,377 | €4,208 | €4,879 | ▲ 15.9% |
| Taxes, remuneration and social security45 | - | €54,520 | €58,677 | €54,742 | €38,761 | ▼ 29.2% |
| Taxes450/3 | - | €26,204 | €26,763 | €21,495 | €24,011 | ▲ 11.7% |
| Remuneration and social security454/9 | - | €28,316 | €31,915 | €33,247 | €14,750 | ▼ 55.6% |
| Other amounts payable47/48 | - | €200,000 | €534,817 | €801,467 | €591,883 | ▼ 26.2% |
| Accrued charges and deferred income492/3 | - | €4,529 | €2,000 | €2,550 | €10,774 | ▲ 322% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €97,402 | €42,508 | €182,392 | €45,469 | -€132,643 | ▼ 392% |
| + Depreciation and write-downs630 | €158,434 | €193,374 | €245,449 | €351,770 | €458,876 | ▲ 30.4% |
| Operating cash flow (approximation) | €255,837 | €235,882 | €427,841 | €397,239 | €326,233 | ▼ 17.9% |
| Investment in fixed assets (approximation) | - | -€617,603 | -€1.5m | -€2.7m | -€1.9m | ▲ 30.9% |
| Change in cash | - | -€43,655 | €91,505 | -€141,626 | €30,492 | ▲ 122% |
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
16-06
State Gazette act
Appointment: BV 2PARFIN (managing director)Permanent representative: Frank Lampole4 facts ▸
State Gazette act
Appointment: BV 2PARFIN (managing director)
Permanent representative: Frank Lampole4 facts ▸
- Board meeting, 26-03-2026
- Director appointment, BV 2PARFIN (managing director)
- Permanent representative, Frank Lampole (permanent representative)
- Other statement, bestuursorgaan, kennisname en akkoord met benoeming vaste vertegenwoordiger
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
30-06
Financial
Weakest financial yearnet -€132,643
Net result drops to -€132,643, the lowest in the series.
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Highest result since 2018net €182,392 ▲329%
Operating result €407,688, net result €182,392, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 1.77
Current ratio from 0.48 to 1.77.
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Equity above €500,000Eq €518,990 ▲8.9%
5 profitable years in a row build equity to €518,990.
2021
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
30-06
Financial
Liquidity doublescurrent ratio 1.12
Current ratio from 0.46 to 1.12; short-term debt falls from €1.2m to €926,950.
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 15 acts read
About the unread acts
Of the 15 Belgian State Gazette acts we know for this company, 1 has been read. The other 14 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 office holders, last change in 2026
Day-to-day management 2
BV 2Parfin
CurrentManaging director · since 26-03-2026 · Legal entity · perm. rep.: Frank Lampole
BV 2PARFIN
CurrentManaging director · since 16-06-2026 · Legal entity · from a recent act
Permanent representatives 1
Frank Lampole
CurrentPermanent representative · since 26-03-2026 · for BV 2Parfin
"From a recent act": read from a Gazette act not yet processed into our list of directors.
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
14 of this company's 15 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Tielt · 1 establishment unit since 2014
Ground area
1,043 m²
Building footprint
347 m²
Volume, LiDAR
1,899 m³
Parcel 37001A0629/00F000, Flanders · tallest building 12.6 m, ±2 floors. Linked by address, not a title deed.
10
companies at this address
See who is registered here
1 establishment unit
LDL Group
since 20142.229.626.360
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37001A0629/00F000 | Flanders | 1,043 m² | 1 · 347 m² | 12.6 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.
Mandate history
2 people since 2026, 2 in office
- Day-to-day management
| Name | Functions and periods |
|---|---|
| BV 2Parfin |
|
| BV 2PARFINfrom an act |
|
Structure & network
Owners and holdings
1 owner · 1 holdingOwners 1
-
50%
Holdings 1
-
12.72%
According to the annual accounts to 30-06-2023 of LDL IMMO 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
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
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Identification & contact
Identification
Legal formPublic limited company
Founded27-03-2014
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0549942983
Also
9925:BE0549942983
Registered
18-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.