LE TRIO
ActiveLE TRIO has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €241k and a net result of €3k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 87% of 432 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-20
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 3.5 against 3.61 in 2024; short-term debt: 9.5% and cash: 22.1% of total assets), and 12.8% of the assets are financed with debt.
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 · Long track record
A company with a long track record statistically fails less often than a young one.
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 77
Relative position
BE, all sectors
reference
Sector 77
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
87.2%
Return on assets
1.2%
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 17-06-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
48 d early
2023
41 d early
2022
32 d early
2021
31 d early
2020
30 d late
2019
31 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3k▼ 93.6%
2024 · €50k
2018: €21k
2019: €34k
2020: €-25k
2021: €43k
2022: €81k
2023: €57k
2024: €50k
2018 → 2025
Working capital
€66k▼ 34.5%
2024 · €100k
2018: €62k
2019: €54k
2020: €73k
2021: €83k
2022: €117k
2023: €78k
2024: €100k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€195k▲ 71.5%€188k▼ 3.9%€238k▲ 26.7%€241k▲ 1.3%
Operating result€44k-€93k▲ 112%€75k▼ 18.7%€67k▼ 11.4%€4k▼ 94.1%
Net result€43k-€81k▲ 90.8%€57k▼ 29.7%€50k▼ 12.6%€3k▼ 93.6%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 94% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €277k
Fixed assets
€185k▲ 21.8%
Current assets
€92k▼ 33.7%
Equity and liabilities €277k
Equity
€241k▲ 1.3%
Debt
€36k▼ 32.1%
The debt ratio falls from 18.0% to 12.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€55k▼
2024 · €106k
Cash flow
€54k▼
2024 · €90k
Solvency
87.2%▲
2024 · 82.0%
Current ratio
3.50▼
2024 · 3.61
Quick ratio
3.50▼
2024 · 3.61
Debt / equity
0.15▼
2024 · 0.22
ROE
1.3%▼
2024 · 21.1%
ROA
1.2%▼
2024 · 17.3%
Interest coverage
44.68▼
2024 · 73.45
Debt
€36k▼
2024 · €52k
Debt ≤ 1 year
€26k▼
2024 · €38k
Debt > 1 year
€9k▼
2024 · €14k
Staff costs
€88k▲
2024 · €76k
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€290k€277k▼
Fixed assets21/28€151k€185k▲
Intangible fixed assets21€631€130▼
Tangible fixed assets22/27€151k€184k▲
Land and buildings22€5k€4k▼
Plant, machinery and equipment23€92k€100k▲
Furniture and vehicles24€48k€77k▲
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€172€172=
Current assets29/58€139k€92k▼
Amounts receivable within one year40/41€18k€28k▲
Trade receivables40€15k€1k▼
Other amounts receivable41€3k€27k▲
Cash at bank and in hand54/58€120k€61k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€290k€277k▼
Equity10/15€238k€241k▲
Contributions10/11€19k€19k=
Reserves13€51k€51k=
Distributable reserves133€51k€51k=
Profit (loss) carried forward14€168k€172k▲
Amounts payable17/49€52k€36k▼
Amounts payable after more than one year17€14k€9k▼
Financial debts170/4€14k€9k▼
Amounts payable within one year42/48€38k€26k▼
Current portion of amounts payable after more than one year42€4k€5k▲
Trade debts44€23k€13k▼
Suppliers440/4€23k€13k▼
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€5k€626▼
Remuneration and social security454/9€6k€7k▲
Other amounts payable47/48€664€615▼
Income statement
Code20242025
Remuneration, social security and pensions62€76k€88k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€51k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-130
Other operating charges640/8€5k€6k▲
Non-recurring operating charges66A€162€300▲
Gross operating margin9900€188k€148k▼
Operating profit (loss)9901€67k€4k▼
Financial income75/76B€369€472▲
Recurring financial income75€369€472▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€66k€3k▼
Income taxes67/77€16k-
Profit (loss) for the period9904€50k€3k▼
Profit (loss) for the period to be appropriated9905€50k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€168k€172k▲
Profit (loss) brought forward from the previous period14P€118k€168k▲
Social balance
Average headcount (FTE)90871.61.8▲
The notes to these accounts (14 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
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €200kEq €238k ▲26.7%
4 profitable years in a row build equity to €238k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €81k ▲90.8%
Operating result €93k, net result €81k, both a record.
31-12
Financial
Equity above €150kEq €195k ▲71.5%
2 profitable years in a row build equity to €195k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
31-12
Financial
Equity above €100kEq €114k ▲59.9%
Equity rises from €71k to €114k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-25k ▼175%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 7current ratio 13.08
Current ratio from 1.83 to 13.08; short-term debt falls from €65k to €6k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
13-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 44 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 13 days late
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Namur · 1 establishment unit since 1975
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 de l'Artisanat(RH) 65020 NamurGround area
1,751 m²
Building footprint
722 m²
Parcel 92120F0021/00Z006, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de l'Artisanat(RH) 6, 5020 Namur
since 19752.102.176.971
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92120F0021/00Z006 | Wallonia | 1,751 m² | 1 · 722 m² | - |
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
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IMMO TIJE
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M-Services
BE 0436.489.310
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HUBEAU
BE 0878.960.550
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Verhuurbedrijf Remmerie
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Of 305 companies in sector 77223 we hold annual accounts for 139. 105 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-08-1975
Fiscal year end31-12
Activities, NACEBEL
71404
77223Rental and leasing activities
55302
55522
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.