LES TROUVÈRES & ASSOCIÉS
ActiveSummary
The computed 12-month bankruptcy probability of LES TROUVÈRES & ASSOCIÉS is 2.0% (moderate). The 2024 annual accounts show equity of €124k and a net result of €8k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 61% of 26043 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▲+61
Solvency70▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.4 in 2023; short-term debt: 22.5% and cash: 1.9% of total assets), but 55.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
44.9%
Return on assets
2.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
48 d late
2022
92 d late
2021
204 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€0
2022 · €0
2022: €0
2022 → 2023
Total assets
€276k▼ 4.0%
2023 · €288k
2018: €91k
2019: €129k
2020: €199k
2021: €347k
2022: €312k
2023: €288k
2018 → 2024
Net result
€8k
2023 · €-17k
2018: €24k
2019: €16k
2020: €28k
2021: €61k
2022: €-12k
2023: €-17k
2018 → 2024
Working capital
€36k▲ 23.5%
2023 · €29k
2018: €40k
2019: €56k
2020: €134k
2021: €73k
2022: €50k
2023: €29k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€0€0
Equity€84k-€145k▲ 73.2%€133k▼ 8.0%€116k▼ 13.0%€124k▲ 7.0%
Operating result€36k-€72k▲ 100%€-8k€-14k▼ 70.8%€11k
Net result€28k-€61k▲ 122%€-12k€-17k▼ 50.1%€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €11k after a loss of €14k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €276k
Fixed assets
€178k ▼ 4.4%
Current assets
€98k ▼ 3.3%
Equity and liabilities €276k
Equity
€124k ▲ 7.0%
Debt
€152k ▼ 11.5%
Debt's share of the balance-sheet total falls from 59.7% to 55.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▲
2023 · €-5k
Cash flow
€17k▲
2023 · €-8k
Current ratio
1.58▲
2023 · 1.40
Quick ratio
0.41▲
2023 · 0.11
Debt to equity
1.23▼
2023 · 1.48
ROE
6.5%▲
2023 · -14.9%
ROA
2.9%▲
2023 · -6.0%
Interest coverage
6.85▲
2023 · -1.48
Debt ≤ 1 year
€62k▼
2023 · €72k
Debt > 1 year
€90k▼
2023 · €99k
Staff costs
€9k▼
2023 · €16k
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 · 2024 against 2023 · 53 lines
Balance sheet
Code20232024
Assets
Total assets20/58€288k€276k▼
Formation expenses20€0€0=
Fixed assets21/28€186k€178k▼
Tangible fixed assets22/27€186k€178k▼
Land and buildings22€185k€177k▼
Plant, machinery and equipment23€0€570▲
Furniture and vehicles24€1k€307▼
Current assets29/58€101k€98k▼
Stocks and contracts in progress3€93k€73k▼
Stocks30/36€93k€73k▼
Amounts receivable within one year40/41€8k€20k▲
Trade receivables40€3k€14k▲
Other amounts receivable41€5k€5k▲
Cash at bank and in hand54/58€57€5k▲
Deferred charges and accrued income490/1€62€579▲
Equity and liabilities
Total equity and liabilities10/49€288k€276k▼
Equity10/15€116k€124k▲
Contributions10/11€12k€12k=
Reserves13€4k€4k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€100k€108k▲
Amounts payable17/49€172k€152k▼
Amounts payable after more than one year17€99k€90k▼
Financial debts170/4€99k€90k▼
Amounts payable within one year42/48€72k€62k▼
Current portion of amounts payable after more than one year42€10k€9k▼
Financial debts43€4€0▼
Credit institutions430/8€4€0▼
Trade debts44€48k€48k▲
Suppliers440/4€48k€48k▲
Taxes, remuneration and social security45€15k€4k▼
Taxes450/3€14k€4k▼
Remuneration and social security454/9€754€578▼
Other amounts payable47/48€66€66=
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Turnover70€0-
Goods, raw materials, services and sundry goods60/61€0-
Remuneration, social security and pensions62€16k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€12k€30k▲
Operating profit (loss)9901€-14k€11k▲
Financial income75/76B€192€324▲
Recurring financial income75€192€324▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-17k€8k▲
Profit (loss) for the period9904€-17k€8k▲
Profit (loss) for the period to be appropriated9905€-17k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€100k€108k▲
Profit (loss) brought forward from the previous period14P€117k€100k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
20-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 204 days late
2021
31-12
Financial
Highest result since 2018net €61k ▲122%
Operating result €72k, net result €61k, both a record.
31-12
Financial
Equity above €100kEq €145k ▲73.2%
4 profitable years in a row build equity to €145k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Anderlecht · 2 establishment units since 2014
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.
Raymond Vander Bruggenlaan 871070 AnderlechtGround area
1,560 m²
Building footprint
852 m²
Volume, LiDAR
7,560 m³
2 parcels, Brussels · tallest building 19.9 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Raymond Vander Bruggenlaan 87, 1070 Anderlecht
since 20142.229.943.589
Albertlaan 81, 1190 Vorst
since 20212.321.389.746
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0555/00F002 | Brussels | 1,507 m² | 1 · 799 m² | 14.6 m · 3 fl. |
| 21383B0090/00K004 | Brussels | 53 m² | 1 · 53 m² | 19.9 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
HUKLA MATRATZEN BENELUX
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Wellen · Eq €123,883
VERVARCKE INTERIEUR
BE 0873.242.894
Knokke-Heist · Eq €123,681
Confort-Plan
BE 0413.670.356
Antwerpen · Eq €123,498
COFFEEDIS
BE 0465.023.146
Nivelles · Eq €124,543
DARWOOD
BE 0751.905.693
Boutersem · Eq €123,270
Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 1,346 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
Founded17-01-2014
Fiscal year end31-12
Trade name FR
LES TROUVÈRES
Activities, NACEBEL 2025
47551Retail sale of household furniture
95240Repair and maintenance of furniture and upholstery
43320Joinery installation
47791Retail sale of antiques
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.