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LESPOIR

Active
Public limited companyfounded 199036 yrs activeRue des Canadiens(S-B) 117, 7110 La Louvière, BelgiumKBO/BCE: BE 0440.126.909
Summary

LESPOIR has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €213,202 and a net result of -€23,901. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 25% of 615 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
LESPOIRActiveChecked score 91/100
Risk analysis ReportCompare

Overview

Activity
Residential care activities
NACE 87101
#10 employer in La Louvière, Health and social work sector1 site
Size
€5.2mturnover 2025
Staff
49.5 FTE
Equity
€213,202
Loss
-€23,901
Financial health
91 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Parent
IMMO HOLD · 74.19%
Holdings
1
Accounts filed 27 d late1 of 6 deeds read
Why 91- Size: turnover €5.2m, 49.5 FTE, total assets €1.1m- Loss of €23,901 (FY 2025)+ Sector Residential care activities (NACE 87)+ Liquidity: current ratio 0.83, cash €262,789Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Better than 32% of its sector peers (NACE 87, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 45-4
equity 19.5% of total assets
Liquidity 43-17
short-term debt 68.6% · cash 24.1%
Profitability 53-7
return on assets -2.2%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median < 0.1% (608 companies)
Last 9 months 02-2026: 0.1%lowest value 03-2026: 0.1%▲ +5.2% vs 02-2026 04-2026: 0.1%▼ -3.3% vs 03-2026 05-2026: 0.1%● 0.0% vs 04-2026 06-2026: 0.1%▲ +10.2% vs 05-2026 07-2026: 0.1%▲ +10.8% vs 06-2026 08-2026: 0.1%▲ +107% vs 07-2026highest value 09-2026: 0.1%▼ -30.9% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • Sector Residential care activities (NACE 87) lowers the probability
  • Liquidity: current ratio 0.83, cash €262,789 lowers the probability
  • Size: turnover €5.2m, 49.5 FTE, total assets €1.1m raises the probability for this profile
  • Loss of €23,901 (FY 2025) raises the probability
Credit up to €19,000 at 30 days acceptable
Liquidity short (current ratio 0.83 against 1.02 in 2024; short-term debt: 68.6% and cash: 24.1% of total assets), and 80.5% 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 87, small). Better than this share of them on solvency 25%, liquidity 27%, profitability 28%, growth against the median 50%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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+raises risk○neutral
lowers risk · Sector Residential care activities (NACE 87)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Liquidity: current ratio 0.83, cash €262,789
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Size: turnover €5.2m, 49.5 FTE, total assets €1.1m
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Loss of €23,901 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
27 d late
2024
98 d early
2023
77 d early
2022
87 d early
2021
101 d early
2020
102 d early
2019
114 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 79 days before the deadline; the sector median for financial year 2024 is 27 days before the deadline, and 25% 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 5 May (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 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 · full…
  2. Resignation: Mireille Sottiaux (director)State Gazette act
  3. Weakest financial yearnet -€23,901

Key points

  • Caution: From profit to loss in 2025after €49,291 in 2024 -€23,901 View
  • Positive: Employer in La Louvière, Health and social work…in the Checked rankings #10 View
  • Controlled by IMMO HOLDitself parent of 2 companies 74.19% View
  • A director leftlatest change 01-07-2026 · 0 in office 1 left View

By topic

Financials

Fiscal year
2025
Turnover
€5.2m
Loss
-€23,901
Solvency
19.5%
Turnover▲ 21.9%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 27-08-2026Annual accounts filed
  2. 01-07-2026Resignation: Mireille Sottiaux (director)
  3. 31-12-2025Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Residential care activitiesNACE 87101
Founded
03-01-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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