Age4 yrs
Real estate1 parcel · 511 m²
Summary
Conclusion
the dossier summarised in one paragraphLeCinq 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 €539k and a net result of €288k. Equity is growing by ~51.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 1216 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 5 annual accounts.
Signals
3 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 81% of 1216 peers (2025). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 5 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 05-06-2026 | 56 d early | 2026-00139419 |
| 31-12-2024 | 31-07-2025 | 27-02-2025 | 154 d early | 2025-00041529 |
| 31-12-2023 | 31-07-2024 | 25-06-2024 | 36 d early | 2024-00160708 |
| 31-12-2022 | 31-07-2023 | 15-06-2023 | 46 d early | 2023-00128367 |
| 31-12-2021 | 31-07-2022 | 28-06-2022 | 33 d early | 2022-20140359 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€539k+114.5%
Net result€288k+497.8%
Total assets€676k+154.7%
Solvency79.7%-14.9pp
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 05-06-2026 with the NBB · fiscal year 2025 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~51.7%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 79.7% | 47.1% | |
| Net result | €288k | €43k | |
| Equity | €539k | €85k | |
| Gross operating margin | €398k | €70k | |
| Total assets | €676k | €211k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P81
Stable position over 2021-2025
· n=939-3146
P95
Improving position over 2021-2025
· n=941-3142
P91
Improving position over 2021-2025
· n=941-3147
P95
Improving position over 2021-2025
· n=934-3139
Describes the position versus peers, not a forecast.
€288k
+497.8%
21-25
€676k
+154.7%
21-25
€539k
+114.5%
21-25
€95k
+688.4%
21-25
€138k
+852.3%
21-25
€137k
+852.9%
21-25
79.7%
-15.8%
21-25
53.4%
+178.6%
21-25
Show 1 other metrics
42.5%
+134.7%
21-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €288k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €95k |
| Dividends | - |
| Total assets | €676k |
| Equity | €539k |
| Debt | €138k |
| of which ≤ 1y | €137k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 79.7% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 42.5% |
| ROE | 53.4% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €676k |
| Fixed assets | 21/28 | €401k |
| Tangible fixed assets | 22/27 | €71k |
| Financial fixed assets | 28 | €330k |
| Current assets | 29/58 | €275k |
| Amounts receivable within one year | 40/41 | €229k |
| Cash & bank | 54/58 | €43k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €676k |
| Equity | 10/15 | €539k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €534k |
| Amounts payable | 17/49 | €138k |
| Amounts payable within one year | 42/48 | €137k |
| Trade debts payable within one year | 44 | €40k |
| Income statement | ||
| Gross operating margin | 9900 | €398k |
| Operating result | 9901 | €382k |
| Financial income | 75 | €800 |
| Financial charges | 65 | €363 |
| Result before taxes | 9903 | €383k |
| Income taxes | 67/77 | €95k |
| Net result for the period | 9904 | €288k |
| Result to be appropriated | 9905 | €288k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computedModel 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.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationLeCinq
since 20212.321.316.205
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area511 m²
Buildings1
Building footprint306 m²
Volume (LiDAR)1,847 m³
Tallest building9.4 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13023E0057/00B002 | Flanders | 511 m² | 1 · 306 m² | 9.4 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Company purpose
De exploitatie van een tuinbouwbedrijf met onder meer de aan- en verkoop, doorvoer, in- en export van alle mogelijke tuinbouwproducten zoals alle mogelijke groenten en fruit, alsook de commercialisatie van alle mogelijke aanverwante producten zoals sproeistoffen, meststoffen, kweekmateriaal, veredelingsmateriaal, gereedschap en alle mogelijke met de tuinbouw verwante artikelen, materialen en grondstoffen. Het markt klaar maken, het verpakken, het conditioneren en de opslag van groenten en fruit. Het investeren, beheren, bedrijven en onderhouden van één of meerdere decentrale productie installaties waaronder warmtekrachtkoppeling en hernieuwbare energieproducten of participeren in een functie van gelijklopend voorwerp. De aankoop en het beheer van onroerende goederen alsmede alle verhandelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengsten van haar onroerende goederen te bevorderen, zoals het onderhoud, de ontwikkeling, de verfraaiing en de verhuring van deze goederen. Het verlenen van technische, administratieve, financiële en commerciële bijstand, in de meest ruime zin; het verrichten van diensten inzake consultancy, management, studie en organisatie; het verlenen van advies en raad inzake commerciële, financiële, juridische, fiscale of sociale aangelegenheden aan alle mogelijke ondernemingen, vennootschappen, verenigingen en organisaties, al dan niet met rechtspersoonlijkheid. De onderneming heeft als bijkomend, sociaal geïnspireerd doel dat zij wenst aanwervingen te doen van mensen uit de kansengroepen en hen ook de vereiste opleidingen wenst te geven. Dit vanuit het standpunt van duurzaam ondernemen. Het uitoefenen van mandaten als bestuurder, zaakvoerder of vereffenaar in andere vennootschappen.
Per act of 04-08-2026
Capital history · 1
04-08-2026
Founding capital: amount: 200000.0, shares: 10000, currency: EUR
All acts · 2
updated 25 days ago
2026
04-08-2026 Act object · Notarial deed · Incorporation · Founder
- Act object: OPRICHTING · Le Doux Soleil
- Publication: 04/08/2026 · Le Doux Soleil
- Filing: 31-07-2026 · Le Doux Soleil
- Notarial deed: 28/07/2026 · Le Doux Soleil
- Incorporation: 28/07/2026 · Le Doux Soleil
- Founder · LECINQ
- Founding capital: amount: 200000.0, shares: 10000, currency: EUR · Le Doux Soleil
- Purpose: De exploitatie van een tuinbouwbedrijf met onder meer de aan- en verkoop, doorvoer, in- en export van alle mogelijke tuinbouwproducten zoals alle mogelijke groenten en fruit, alsook de commercialisatie van alle mogelijke aanverwante producten zoals sproeistoffen, meststoffen, kweekmateriaal, veredelingsmateriaal, gereedschap en alle mogelijke met de tuinbouw verwante artikelen, materialen en grondstoffen. Het markt klaar maken, het verpakken, het conditioneren en de opslag van groenten en fruit. Het investeren, beheren, bedrijven en onderhouden van één of meerdere decentrale productie installaties waaronder warmtekrachtkoppeling en hernieuwbare energieproducten of participeren in een functie van gelijklopend voorwerp. De aankoop en het beheer van onroerende goederen alsmede alle verhandelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengsten van haar onroerende goederen te bevorderen, zoals het onderhoud, de ontwikkeling, de verfraaiing en de verhuring van deze goederen. Het verlenen van technische, administratieve, financiële en commerciële bijstand, in de meest ruime zin; het verrichten van diensten inzake consultancy, management, studie en organisatie; het verlenen van advies en raad inzake commerciële, financiële, juridische, fiscale of sociale aangelegenheden aan alle mogelijke ondernemingen, vennootschappen, verenigingen en organisaties, al dan niet met rechtspersoonlijkheid. De onderneming heeft als bijkomend, sociaal geïnspireerd doel dat zij wenst aanwervingen te doen van mensen uit de kansengroepen en hen ook de vereiste opleidingen wenst te geven. Dit vanuit het standpunt van duurzaam ondernemen. Het uitoefenen van mandaten als bestuurder, zaakvoerder of vereffenaar in andere vennootschappen. · Le Doux Soleil
- Officer appointment: role: bestuurder, term: onbezoldigd, start_date: 2026-07-31 · Lefevre Tom
- First fiscal year: end: 31/12/2027, start: 31/07/2026 · Le Doux Soleil
- Power of attorney: Alle inschrijvingen, wijzigingen, doorhalingen en/of aanvragen met betrekking tot het ondernemingsloket en diensten directe belastingen en B.T.W. uit te voeren en/of alle wijziging hieraan te vorderen alsmede het aansluiten van de vennootschap bij alle mogelijke beroepsorganisaties vast te leggen. · ACS Accountants NV
Summary:
Act object · Notarial deed · Incorporation · Founder
2025
02-09-2025 Discharge granted to the board
Analysis
Financial profile
4 of 5 axes measured93
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
100
Solvency
100
Growth
78
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 5,578 of the 24,684 companies in this sector. 3,483 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
| Legal nameNL | LeCinq |
Registered office
Schoondreef 11 bus A
2330 Merksplas, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.