Summary
LEDAF SERVICES & CONSULTING 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 €242k and a net result of €113k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 57% of 8023 sector peers (fiscal year 2025). The company has been active since 2005 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 advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-03-2026, 59 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
59 d late
2024
163 d late
2023
77 d late
2022
179 d late
2021
539 d late
2020
26 d late
2019
384 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€242k▲ 28.3%
2024 · €188k
2019: €157k
2020: €164k
2021: €128k
2022: €148k
2023: €157k
2024: €188k
2019 → 2025
Net result
€113k▲ 263%
2024 · €31k
2019: €10k
2020: €7k
2021: €-36k
2022: €20k
2023: €9k
2024: €31k
2019 → 2025
Total assets
€406k▲ 11.6%
2024 · €364k
2019: €558k
2020: €484k
2021: €390k
2022: €370k
2023: €356k
2024: €364k
2019 → 2025
Solvency
59.5%▲ 7.7pp
2024 · 51.8%
2019: 28.2%
2020: 33.9%
2021: 32.8%
2022: 40.0%
2023: 44.2%
2024: 51.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€148k▲ 15.6%€157k▲ 6.2%€188k▲ 19.9%€242k▲ 28.3%
Operating result€-28k-€24k€18k▼ 25.7%€46k▲ 157%€130k▲ 185%
Net result€-36k-€20k€9k▼ 54.2%€31k▲ 241%€113k▲ 263%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 185% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €406k
Fixed assets
€293k ▲ 6.7%
Current assets
€113k ▲ 26.7%
Equity and liabilities €406k
Equity
€242k ▲ 28.3%
Debt
€164k ▼ 6.3%
Debt's share of the balance-sheet total falls from 48.2% to 40.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
46.9%▲
2024 · 16.6%
ROA
27.9%▲
2024 · 8.6%
Debt ≤ 1 year
€36k▲
2024 · €30k
Debt > 1 year
€128k▼
2024 · €145k
Income taxes
€13k▲
2024 · €10k
Staff costs
€26k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€364k€406k▲
Fixed assets21/28€275k€293k▲
Tangible fixed assets22/27€230k€248k▲
Land and buildings22€224k€248k▲
Plant, machinery and equipment23€624-
Other tangible fixed assets26€5k-
Financial fixed assets28€45k€45k=
Current assets29/58€89k€113k▲
Amounts receivable after more than one year29€15k-
Trade receivables290€15k-
Amounts receivable within one year40/41€40k€46k▲
Trade receivables40€36k€46k▲
Other amounts receivable41€4k-
Cash at bank and in hand54/58€34k€67k▲
Equity and liabilities
Total equity and liabilities10/49€364k€406k▲
Equity10/15€188k€242k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€101k€101k=
Reserves13€10k€10k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€8k€8k=
Profit (loss) carried forward14€58k€112k▲
Amounts payable17/49€175k€164k▼
Amounts payable after more than one year17€145k€128k▼
Financial debts170/4€145k€128k▼
Amounts payable within one year42/48€30k€36k▲
Current portion of amounts payable after more than one year42€17k€16k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€10k€13k▲
Taxes450/3€10k€13k▲
Other amounts payable47/48-€5k
Income statement
Code20242025
Remuneration, social security and pensions62-€26k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€29k▲
Non-recurring operating charges66A€2k-
Gross operating margin9900€71k€184k▲
Operating profit (loss)9901€46k€130k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€42k€127k▲
Income taxes67/77€10k€13k▲
Profit (loss) for the period9904€31k€113k▲
Profit (loss) for the period to be appropriated9905€31k€113k▲
Appropriation of the result
Profit (loss) to be appropriated9906€58k€172k▲
Profit (loss) brought forward from the previous period14P€27k€58k▲
Profit to be distributed694/7-€60k
Directors or managers695-€60k
The notes to these accounts (11 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 59 days late
2025
13-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 163 days late
30-06
Financial
Highest result since 2019net €113k ▲263%
Operating result €130k, net result €113k, both a record.
30-06
Financial
Equity above €200kEq €242k ▲28.3%
4 profitable years in a row build equity to €242k.
2024
17-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 77 days late
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 179 days late
24-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 539 days late
30-06
Financial
Equity above €150kEq €157k ▲6.2%
2 profitable years in a row build equity to €157k.
2022
30-06
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
2021
30-06
Financial
Weakest financial yearnet €-36k ▼620%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
18-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 384 days late
Show earlier events
2020
30-06
Financial
Liquidity doublescurrent ratio 1.29
Current ratio from 0.60 to 1.29; short-term debt falls from €171k to €101k.
2019
22-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
23-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 51 days late
05-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 398 days late
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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2006
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.
Brugmannlaan 101060 Sint-Gillis (bij-Brussel)Ground area
510 m²
Building footprint
289 m²
Volume, LiDAR
6,140 m³
Parcel 21013B0371/00R019, Brussels · tallest building 26.2 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
LEDAF SERVICES & CONSULTING
since 20062.156.043.150
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0371/00R019 | Brussels | 510 m² | 1 · 289 m² | 26.2 m · 7 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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JULAN
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TQB
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MAHE Services
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,614 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 (pre-2019)
Founded26-10-2005
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.