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LEONARD - LOVATO

Active
Private limited companyfounded 199036 yrs activeRue de Rotheux 190, 4100 Seraing, BelgiumKBO/BCE: BE 0442.771.148
Summary

LEONARD - LOVATO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €290,605 and a net result of €77,124. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 5520 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
LEONARD - LOVATOActiveChecked score 99/100
Risk analysis ReportCompare

Overview

Activity
Launderettes and laundries for private customers
NACE 96102NACE 93012NACE 96012
#4 oldest company in Seraing, Other services sector1 site
Size
€296,984total assets 2025
Staff
0.7 FTE
Equity
€290,605
Profit
€77,124
Turnover not published (abridged schema)
Financial health
99 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 114 d early0 of 2 deeds read
Why 99+ Liquidity: current ratio 46.56, cash €112,217+ Founded in 1990+ Equity €290,605 (97.9% of total assets)+ Figures for FY 2025 (filed 08-04-2026)Show the evidence

Checked score

Score 2025
99 / 100
Excellent
Probability in this band: under 0.55%
Better than 89% of its sector peers (NACE 96, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 97.9% of total assets
Liquidity 97-3
short-term debt 2.1% · cash 37.8%
Profitability 100+20
return on assets 26.0%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,591 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%▼ -6.9% vs 12-2024lowest value 02-2025: < 0.1%● 0.0% vs 01-2025lowest value 03-2025: < 0.1%● 0.0% vs 02-2025lowest value 04-2025: < 0.1%▲ +7.4% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%● 0.0% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▼ -3.4% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▲ +3.6% vs 03-2026 05-2026: < 0.1%▲ +3.4% vs 04-2026highest value 06-2026: < 0.1%● 0.0% vs 05-2026highest value 07-2026: < 0.1%● 0.0% vs 06-2026highest value 08-2026: < 0.1%● 0.0% vs 07-2026highest value 09-2026: < 0.1%● 0.0% vs 08-2026highest value 10-2026: < 0.1%● 0.0% vs 09-2026highest value
  • Liquidity: current ratio 46.56, cash €112,217 lowers the probability
  • Founded in 1990 lowers the probability for this profile
  • Equity €290,605 (97.9% of total assets) lowers the probability
  • Figures for FY 2025 (filed 08-04-2026) lowers the probability
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 46.56 against 18.9 in 2024; short-term debt: 2.1% and cash: 37.8% of total assets), and 2.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 93%, liquidity 95%, profitability 93%, growth against the median 76%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 46.56, cash €112,217
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1990
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €290,605 (97.9% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 08-04-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 08-04-2026, 114 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
114 d early
2024
149 d early
2023
30 d late
2022
27 d late
2021
6 d early
2020
30 d late
2019
16 d early
← 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 28 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% 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 25 July (4 of the last 5 filed years within 108 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2018net €77,124 ▲89.7%
  3. Liquidity doublescurrent ratio 46.56

Key points

  • Positive: Among the best 5% on solvencysector median 27.7% · 5,520 companies 97.9% View
  • Positive: 8 profitable years in a rowprofit 2025: €77,124 8 years View
  • Positive: Equity rose in 2025from €213,480 to €290,605 ▲ 36.1% View

By topic

Financials

Fiscal year
2025
Total assets
€296,984
Profit
€77,124
Solvency
97.9%
Total assets▲ 23.4%
Net result
20182025
Go to Financials

Timeline

Events
17
Since
2017
Next accounts
by 31-07-2027
  1. 08-04-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 31-12-2025Liquidity doubles
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Launderettes and laundries for private customersNACE 96102
Founded
25-06-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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