Financials
- Financial year
- 2025
- Total assets
- €833,371
- Loss
- -€37,522
- Solvency
- 7.5%
Lend Estate
ActiveSummary
Lend Estate has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62,478 and a net result of -€37,522. Its solvency ranks better than 15% of 39,131 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Business and other management consultancy
NACE 70200
8th largest company by total assets in Nieuwerkerken, Professional and technical services sector1 site
Size
€833,371total assets 2025
- Equity
- €62,478
- Loss
- -€37,522
Turnover not published (micro format)
Structure
- DEROY Laura Celine MelanieDirector
- KENENS Didier Hugo DianeDirector
2025 accounts filed 28 days late
Why 85raises riskLiquidity: current ratio 0.65, cash €8,257lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €833,371Figures for financial year 2025 (filed 28-08-2026)Show the evidence
Checked score
Score 2025
85
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 23% of its sector peers (NACE 70, micro)
Financial strength
Weak
Solvency
32
equity 7.5% of total assets
Liquidity
51
short-term debt 4.9% · cash 1.0%
Profitability
22
return on assets -4.5%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2026: 0.4%
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026highest value
09-2026: 0.2%▼ -0.2 percentage points vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.65, below 1; short-term debt: 4.9% and cash: 1% of total assets), and 92.5% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro): better than 15% on solvency, 38% on liquidity and 14% on profitability.
The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Seven signals.
lowers riskraises risk
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 39131 sector peers (2025).
NBB · sector comparisonPosition among 39131 sector peers
Solvency
better than 15%
← weakest
strongest →
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
28 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointments: KENENS Didier Hugo Diane…
Key points
By topic
Board & ownership
- Board
- 2 members
- DEROY Laura Celine MelanieDirector
- KENENS Didier Hugo DianeDirector
Timeline
- Events
- 2
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 17-04-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 12
- Annual meeting
- Third Friday of June at 17:00
- Purpose
- “Onderneming in onroerende goederen,welke onder meer omvat:de verwerving,de…” (deed in Dutch)
Key facts about Lend Estate
- What is the company number of Lend Estate?
- 1022.475.218. In Belgium the VAT number is the company number with BE in front: BE 1022.475.218.
- Where is Lend Estate based?
- The registered office is at Doorstraat 12, 3850 Nieuwerkerken (Limb.).Company details
- What does Lend Estate do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of Lend Estate?
- Private limited company (BV).
- When was Lend Estate founded?
- On 17-04-2025.
- Is Lend Estate still active?
- Yes, Lend Estate is an active enterprise in the KBO register.
- What is the turnover of Lend Estate?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
- Is Lend Estate profitable?
- In financial year 2025, Lend Estate made a loss of €37,522.
- Where can I find the annual accounts of Lend Estate?
- Lend Estate filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Companies related to Lend Estate
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