Le Bilan
ActiveLe Bilan has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €40k. Equity is shrinking by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 6% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency27▼-44
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
2%
Return on assets
40.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 12690 sector peers (2025).
NBB · sector comparisonPosition among 12690 sector peers
Solvency
better than 6%
← weakest
strongest →
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 04-06-2026, 57 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
57 d early
2024
14 d early
2023
22 d early
2022
27 d early
2021
23 d early
2020
36 d early
2019
27 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 97.3%
2024 · €74k
2019: €21k
2020: €62k
2021: €67k
2022: €57k
2023: €45k
2024: €74k
2019 → 2025
Total assets
€100k▼ 38.3%
2024 · €162k
2019: €29k
2020: €94k
2021: €110k
2022: €127k
2023: €146k
2024: €162k
2019 → 2025
Net result
€40k▼ 18.8%
2024 · €49k
2019: €19k
2020: €41k
2021: €4k
2022: €52k
2023: €4k
2024: €49k
2019 → 2025
Working capital
€-12k
2024 · €75k
2019: €21k
2020: €53k
2021: €55k
2022: €34k
2023: €27k
2024: €75k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€57k▼ 14.6%€45k▼ 21.2%€74k▲ 65.5%€2k▼ 97.3%
Operating result€8k-€70k▲ 725%€10k▼ 86.1%€66k▲ 581%€54k▼ 18.1%
Net result€4k-€52k▲ 1,075%€4k▼ 91.6%€49k▲ 1,026%€40k▼ 18.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€17k▼ 1.3%
Current assets
€84k▼ 42.6%
Equity and liabilities €100k
Equity
€2k▼ 97.3%
Debt
€98k▲ 11.5%
The debt ratio rises from 54.3% to 98.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€60k▼
2024 · €77k
Cash flow
€46k▼
2024 · €60k
Solvency
2.0%▼
2024 · 45.7%
Current ratio
0.87▼
2024 · 2.07
Quick ratio
0.87▼
2024 · 2.07
Debt / equity
49.03▲
2024 · 1.19
ROA
40.1%▲
2024 · 30.4%
Interest coverage
25.63▼
2024 · 29.29
Debt
€98k▲
2024 · €88k
Debt ≤ 1 year
€96k▲
2024 · €70k
Debt > 1 year
€2k▼
2024 · €16k
Income taxes
€12k▼
2024 · €14k
A ratio outside any meaningful range has been withheld (balance sheet total €100k, equity €2k).
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€162k€100k▼
Fixed assets21/28€17k€17k▼
Tangible fixed assets22/27€17k€17k▼
Plant, machinery and equipment23€192€0▼
Furniture and vehicles24€4k€0▼
Other tangible fixed assets26€13k€17k▲
Current assets29/58€145k€84k▼
Amounts receivable within one year40/41€68k€30k▼
Trade receivables40€61k€21k▼
Other amounts receivable41€7k€9k▲
Cash at bank and in hand54/58€77k€51k▼
Deferred charges and accrued income490/1€700€2k▲
Equity and liabilities
Total equity and liabilities10/49€162k€100k▼
Equity10/15€74k€2k▼
Contributions10/11€2k€2k=
Reserves13€72k€0▼
Distributable reserves133€72k€0▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€88k€98k▲
Amounts payable after more than one year17€16k€2k▼
Financial debts170/4€16k€2k▼
Amounts payable within one year42/48€70k€96k▲
Current portion of amounts payable after more than one year42€17k€21k▲
Financial debts43€4k€0▼
Credit institutions430/8€4k€0▼
Trade debts44€32k€5k▼
Suppliers440/4€32k€5k▼
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€14k€26k▲
Taxes450/3€14k€26k▲
Other amounts payable47/48€605€41k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€6k▼
Other operating charges640/8€1k€749▼
Gross operating margin9900€78k€61k▼
Operating profit (loss)9901€66k€54k▼
Financial income75/76B€73€0▼
Recurring financial income75€73€0▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€64k€52k▼
Income taxes67/77€14k€12k▼
Profit (loss) for the period9904€49k€40k▼
Profit (loss) for the period to be appropriated9905€49k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€40k▼
Transfer from equity791/2€0€72k▲
Transfer to equity691/2€29k€0▼
To other reserves6921€29k€0▼
Profit to be distributed694/7€20k€112k▲
Return on contributions (dividend)694€20k€112k▲
The notes to these accounts (8 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €4k ▼91.6%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €52k ▲1075%
Operating result €70k, net result €52k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herentals · 1 establishment unit since 2019
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.
Markgravenstraat(HRT) 572200 HerentalsGround area
266 m²
Building footprint
117 m²
Volume, LiDAR
1,000 m³
Parcel 13011E0373/00L002, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Le Bilan
since 20192.296.096.304
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13011E0373/00L002 | Flanders | 266 m² | 1 · 117 m² | 12.8 m · 3 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.
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Of 22,051 companies in sector 69101 we hold annual accounts for 9,053. 1,531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-2019
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.