Summary
LENOIR 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 €129,158 and a net result of €16,457. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 70% of 2463 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €129,158
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
8 d late
2023
5 d early
2022
25 d late
2021
30 d early
2020
27 d late
2019
34 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€129,158▲ 14.6%
2024 · €112,702
Net result
€16,457▲ 120%
2024 · €7,495
Total assets
€181,888▲ 0.6%
2024 · €180,835
Solvency
71.0%▲ 8.7pp
2024 · 62.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€9,241▲ 2.8%€11,350▲ 22.8%€9,149▼ 19.4%€14,784▲ 61.6%€26,315▲ 78.0%
Net result€4,969within the sector's middle half▼ 6.7%€6,208within the sector's middle half▲ 24.9%€4,279within the sector's middle half▼ 31.1%€7,495within the sector's middle half▲ 75.2%€16,457within the sector's middle half▲ 120%
Equity€114,720within the sector's middle half▼ 1.9%€110,928within the sector's middle half▼ 3.3%€105,206within the sector's middle half▼ 5.2%€112,702within the sector's middle half▲ 7.1%€129,158within the sector's middle half▲ 14.6%
Total assets€150,475within the sector's middle half▼ 1.6%€158,820within the sector's middle half▲ 5.5%€195,370within the sector's middle half▲ 23.0%€180,835within the sector's middle half▼ 7.4%€181,888within the sector's middle half▲ 0.6%
Debt€35,754▼ 0.4%€47,892▲ 33.9%€90,164▲ 88.3%€68,133▼ 24.4%€52,730▼ 22.6%
Working capital€103,285within the sector's middle half▲ 2.5%€97,483within the sector's middle half▼ 5.6%€47,233within the sector's middle half▼ 51.5%€44,633within the sector's middle half▼ 5.5%€76,893within the sector's middle half▲ 72.3%
Solvency76.2%above the sector's middle half▼ 0.3pp69.8%within the sector's middle half▼ 6.4pp53.8%within the sector's middle half▼ 16.0pp62.3%within the sector's middle half▲ 8.5pp71.0%within the sector's middle half▲ 8.7pp
Current ratio8.30above the sector's middle half▼ 1.504.34above the sector's middle half▼ 3.961.63within the sector's middle half▼ 2.711.81within the sector's middle half▲ 0.172.78within the sector's middle half▲ 0.98
Return on assets (ROA)3.3%within the sector's middle half▼ 0.2pp3.9%within the sector's middle half▲ 0.6pp2.2%within the sector's middle half▼ 1.7pp4.1%within the sector's middle half▲ 2.0pp9.0%within the sector's middle half▲ 4.9pp
Staff (FTE)1▲ 25.0%1=1=1=0.8▼ 20.0%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 78% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €181,888
Fixed assets
€61,895 ▼ 23.4%
Current assets
€119,993 ▲ 19.9%
Equity and liabilities €181,888
Equity
€129,158 ▲ 14.6%
Debt
€52,730 ▼ 22.6%
Debt's share of the balance-sheet total falls from 37.7% to 29.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
12.7%▲
2024 · 6.7%
Debt ≤ 1 year
€43,101▼
2024 · €55,419
Debt > 1 year
€9,629▼
2024 · €12,714
Income taxes
€7,742▲
2024 · €3,998
Staff costs
€41,117▼
2024 · €41,928
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €6,500 | - | €400 | - |
| Remuneration, social security and pensions62 | €34,672 | €38,649 | €41,489 | €41,928 | €41,117 | ▼ 1.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,650 | €5,821 | €10,330 | €17,738 | €18,898 | ▲ 6.5% |
| Other operating charges640/8 | €12,081 | €2,688 | €7,477 | €4,258 | €9,572 | ▲ 125% |
| Gross operating margin9900 | €63,645 | €58,508 | €68,446 | €78,708 | €95,901 | ▲ 21.8% |
| Operating profit (loss)9901 | €9,241 | €11,350 | €9,149 | €14,784 | €26,315 | ▲ 78.0% |
| Financial income75/76B | - | €0 | €156 | €288 | - | - |
| Recurring financial income75 | - | €0 | €156 | €288 | - | - |
| Financial charges65/66B | €590 | €540 | €1,730 | €3,580 | €2,117 | ▼ 40.9% |
| Recurring financial charges65 | €590 | €540 | €1,730 | €3,580 | €2,117 | ▼ 40.9% |
| Profit (loss) for the period before taxes9903 | €8,650 | €10,810 | €7,575 | €11,493 | €24,198 | ▲ 111% |
| Income taxes67/77 | €3,682 | €4,603 | €3,297 | €3,998 | €7,742 | ▲ 93.6% |
| Profit (loss) for the period9904 | €4,969 | €6,208 | €4,279 | €7,495 | €16,457 | ▲ 120% |
| Profit (loss) for the period to be appropriated9905 | €4,969 | €6,208 | €4,279 | €7,495 | €16,457 | ▲ 120% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €150,475 | €158,820 | €195,370 | €180,835 | €181,888 | ▲ 0.6% |
| Fixed assets21/28 | €33,048 | €32,149 | €73,713 | €80,784 | €61,895 | ▼ 23.4% |
| Intangible fixed assets21 | - | - | - | €3,619 | €2,733 | ▼ 24.5% |
| Tangible fixed assets22/27 | €32,677 | €31,778 | €73,341 | €76,793 | €58,781 | ▼ 23.5% |
| Land and buildings22 | €30,634 | €25,881 | €21,423 | €35,246 | €29,016 | ▼ 17.7% |
| Plant, machinery and equipment23 | - | €2,995 | €2,392 | €1,790 | €1,187 | ▼ 33.7% |
| Furniture and vehicles24 | €2,042 | €2,902 | €49,526 | €39,758 | €28,578 | ▼ 28.1% |
| Financial fixed assets28 | €372 | €372 | €372 | €372 | €381 | ▲ 2.4% |
| Current assets29/58 | €117,426 | €126,670 | €121,657 | €100,051 | €119,993 | ▲ 19.9% |
| Amounts receivable within one year40/41 | €54,614 | €61,347 | €52,650 | €51,990 | €42,631 | ▼ 18.0% |
| Trade receivables40 | €50,721 | €59,038 | €50,580 | €48,437 | €40,874 | ▼ 15.6% |
| Other amounts receivable41 | €3,893 | €2,308 | €2,070 | €3,553 | €1,757 | ▼ 50.5% |
| Current investments50/53 | €62,812 | - | - | - | - | - |
| Cash at bank and in hand54/58 | - | €65,323 | €69,006 | €48,062 | €77,362 | ▲ 61.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €150,475 | €158,820 | €195,370 | €180,835 | €181,888 | ▲ 0.6% |
| Equity10/15 | €114,720 | €110,928 | €105,206 | €112,702 | €129,158 | ▲ 14.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €8,067 | €14,275 | €18,554 | €26,049 | €42,506 | ▲ 63.2% |
| Non-distributable reserves130/1 | €3,099 | €3,099 | - | - | - | - |
| Reserves not available under the articles1311 | €3,099 | €3,099 | - | - | - | - |
| Distributable reserves133 | €4,969 | €11,176 | €18,554 | €26,049 | €42,506 | ▲ 63.2% |
| Profit (loss) carried forward14 | €88,053 | €78,053 | €68,053 | €68,053 | €68,053 | = |
| Amounts payable17/49 | €35,754 | €47,892 | €90,164 | €68,133 | €52,730 | ▼ 22.6% |
| Amounts payable after more than one year17 | €21,613 | €18,705 | €15,739 | €12,714 | €9,629 | ▼ 24.3% |
| Financial debts170/4 | €21,613 | €18,705 | €15,739 | €12,714 | €9,629 | ▼ 24.3% |
| Amounts payable within one year42/48 | €14,141 | €29,187 | €74,424 | €55,419 | €43,101 | ▼ 22.2% |
| Current portion of amounts payable after more than one year42 | €2,852 | €2,908 | €2,965 | €3,025 | €3,085 | ▲ 2.0% |
| Trade debts44 | - | €5,964 | €7,521 | €6,755 | €344 | ▼ 94.9% |
| Suppliers440/4 | - | €5,964 | €7,521 | €6,755 | €344 | ▼ 94.9% |
| Taxes, remuneration and social security45 | €4,697 | €5,319 | €5,620 | €6,318 | €15,067 | ▲ 138% |
| Taxes450/3 | €4,697 | €5,319 | €5,620 | €6,318 | €8,216 | ▲ 30.0% |
| Remuneration and social security454/9 | - | - | - | - | €6,852 | - |
| Other amounts payable47/48 | €6,593 | €14,997 | €58,318 | €39,321 | €24,604 | ▼ 37.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,969 | €6,208 | €4,279 | €7,495 | €16,457 | ▲ 120% |
| + Depreciation and write-downs630 | €7,650 | €5,821 | €10,330 | €17,738 | €18,898 | ▲ 6.5% |
| Operating cash flow (approximation) | €12,619 | €12,028 | €14,609 | €25,233 | €35,355 | ▲ 40.1% |
| Investment in fixed assets (approximation) | - | -€4,922 | -€51,894 | -€24,808 | -€9 | ▲ 100.0% |
| Change in cash | - | - | €3,683 | -€20,945 | €29,301 | ▲ 240% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €4,279 ▼31.1%
Net result drops to €4,279, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 9.80
Current ratio from 2.55 to 9.80; short-term debt falls from €43,784 to €11,446.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 34 days late
2019
31-12
Financial
Highest result since 2018net €28,005 ▲22.5%
Operating result €35,307, net result €28,005, both a record.
31-12
Financial
Equity above €100,000Eq €111,624 ▲33.5%
2 profitable years in a row build equity to €111,624.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-07
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Ellezelles · 1 establishment unit since 1995
Ground area
1,902 m²
Building footprint
298 m²
Volume, LiDAR
1,281 m³
2 parcels, Wallonia · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
LENOIR SPRL
since 19952.070.361.169
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51063A0149/00C000 | Wallonia | 952 m² | 1 · 217 m² | 12.7 m · 2 fl. |
| 51063A0149/00E000 | Wallonia | 950 m² | 1 · 81 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,778 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-01-1995
Fiscal year end31-12
Activities, NACEBEL 2025
01500Mixed farming
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0454326818
Also
9925:BE0454326818
Registered
05-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.