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LEONORE

Active Risk: not assessed
Private limited companyfounded 201213 yrs activeStationsstraat 5, 9860 Oosterzele, BelgiumKBO/BCE: BE 0501.542.062
Summary

LEONORE 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 €772k and a net result of €71k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 59% of 5527 sector peers (fiscal year 2025). The company has been active since 2012 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 check for your own amount and term

Signals

1 signal. The signal on the left, the evidence on the right.
neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
33 d early
2024
14 d early
2023
1 d early
2022
1 d early
2021
7 d early
2020
4 d early
2019
42 d early
← 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 months
Position in the running window
30-06-2026 close24-09-2026 today31-01-2027 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

Financials · fiscal year 2025, abbreviated schema

Equity
€772k▲ 10.0%
2024 · €701k
2019: €224k 2020: €304k 2021: €398k 2022: €538k 2023: €649k 2024: €701k
2019 → 2025
Net result
€71k▲ 33.2%
2024 · €54k
2019: €86k 2020: €80k 2021: €94k 2022: €140k 2023: €112k 2024: €54k
2019 → 2025
Total assets
€1.27M▼ 2.3%
2024 · €1.30M
2019: €927k 2020: €949k 2021: €963k 2022: €1.09M 2023: €1.61M 2024: €1.30M
2019 → 2025
Solvency
60.8%▲ 6.8pp
2024 · 54.0%
2019: 24.2% 2020: 32.1% 2021: 41.4% 2022: 49.4% 2023: 40.3% 2024: 54.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€398k-€538k▲ 35.0%€649k▲ 20.6%€701k▲ 8.1%€772k▲ 10.0%
Operating result€150k-€216k▲ 43.7%€172k▼ 20.2%€91k▼ 46.9%€122k▲ 33.0%
Net result€94k-€140k▲ 48.9%€112k▼ 20.2%€54k▼ 52.0%€71k▲ 33.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€0€100k€200kOperating result 2021: €150k€150kNet result 2021: €94k€94kOperating result 2022: €216k€216kNet result 2022: €140k€140kOperating result 2023: €172k€172kNet result 2023: €112k€112kOperating result 2024: €91k€91kNet result 2024: €54k€54kOperating result 2025: €122k€122kNet result 2025: €71k€71k20212022202320242025€0€50k€100k€150kOperating result 2023: €172k€172kNet result 2023: €112k€112kOperating result 2024: €91k€91kNet result 2024: €54k€54kOperating result 2025: €122k€122kNet result 2025: €71k€71k202320242025
The operating result recovers in 2025; 2025 is 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets €1.10M ▼ 2.1%
Current assets €166k ▼ 3.5%
Equity and liabilities €1.27M
Equity €772k ▲ 10.0%
Debt €497k ▼ 16.8%
Debt's share of the balance-sheet total falls from 46.0% to 39.2%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
9.2%
2024 · 7.6%
ROA
5.6%
2024 · 4.1%
Debt ≤ 1 year
€162k
2024 · €197k
Debt > 1 year
€333k
2024 · €396k
Income taxes
€34k
2024 · €21k
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 · 55 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.30M€1.27M
Fixed assets21/28€1.13M€1.10M
Tangible fixed assets22/27€367k€343k
Land and buildings22€289k€284k
Plant, machinery and equipment23€771€2k
Furniture and vehicles24€77k€57k
Financial fixed assets28€760k€760k=
Current assets29/58€172k€166k
Amounts receivable within one year40/41€125k€124k
Trade receivables40€116k€116k
Other amounts receivable41€9k€8k
Cash at bank and in hand54/58€37k€34k
Deferred charges and accrued income490/1€10k€8k
Equity and liabilities
Total equity and liabilities10/49€1.30M€1.27M
Equity10/15€701k€772k
Contributions10/11€12k€12k=
Reserves13€689k€759k
Non-distributable reserves130/1€2k€0
Reserves not available under the articles1311€2k€0
Distributable reserves133€687k€759k
Profit (loss) carried forward14€0€0=
Amounts payable17/49€597k€497k
Amounts payable after more than one year17€396k€333k
Financial debts170/4€396k€333k
Amounts payable within one year42/48€197k€162k
Current portion of amounts payable after more than one year42€72k€67k
Financial debts43€8k€8k
Credit institutions430/8€8k€8k
Trade debts44€4k€980
Suppliers440/4€4k€980
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€6k€14k
Taxes450/3€6k€14k
Other amounts payable47/48€107k€73k
Accrued charges and deferred income492/3€4k€1k
Income statement Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€26k
Other operating charges640/8€2k€2k
Non-recurring operating charges66A€0€771
Gross operating margin9900€152k€150k
Operating profit (loss)9901€91k€122k
Financial income75/76B-€53
Recurring financial income75-€53
Financial charges65/66B€16k€17k
Recurring financial charges65€16k€17k
Profit (loss) for the period before taxes9903€75k€105k
Income taxes67/77€21k€34k
Profit (loss) for the period9904€54k€71k
Profit (loss) for the period to be appropriated9905€54k€71k
Appropriation of the result
Profit (loss) to be appropriated9906€54k€71k
Transfer to equity691/2€53k€70k
To other reserves6921€53k€70k
Profit to be distributed694/7€800€859
Return on contributions (dividend)694€800€859
Social balance
Average headcount (FTE)90870.00.0=

The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2025
29-12
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
17-01
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial Weakest financial yearnet €54k ▼52%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
30-01
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial Highest result since 2019net €140k ▲48.9%
Operating result €216k, net result €140k, both a record.
30-06
Financial Equity above €500kEq €538k ▲35%
4 profitable years in a row build equity to €538k.
24-01
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-01
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
20-12
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
25-01
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2017
21-12
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
11-01
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Oosterzele · 1 establishment unit since 2012
establishment approximate The establishment unit on the map
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.

Stationsstraat 59860 Oosterzele
Ground area
1,552 m²
Building footprint
232 m²
Volume, LiDAR
1,243 m³
Parcel 44059A0497/00X002, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LEONORE
Stationsstraat 5, 9860 OosterzeleFinancial service activities, except insurance and pension funding
since 20122.215.545.623
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44059A0497/00X002 Flanders 1,552 m² 1 · 232 m² 9.7 m · 2 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.

Similar companies · same sector, comparable size

Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,199 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
Founded20-11-2012
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.