LFA
ActiveLFA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €50k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 26% of 10877 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
73
/ 100
Healthy▲ +28 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency20▼-9
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.13 in 2024), and 89.4% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
10.6%
Return on assets
26.4%
Age of the figures
8 mo
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 29-03-2026, 124 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
124 d early
2024
42 d early
2023
35 d early
2022
31 d late
2021
30 d late
2020
30 d late
2019
28 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▼ 36.7%
2024 · €32k
2021: €13k
2022: €20k
2023: €33k
2024: €32k
2021 → 2025
Total assets
€189k▲ 22.5%
2024 · €154k
2021: €209k
2022: €214k
2023: €216k
2024: €154k
2021 → 2025
Net result
€50k
2024 · €-1k
2021: €2k
2022: €7k
2023: €13k
2024: €-1k
2021 → 2025
Working capital
€14k▼ 10.2%
2024 · €15k
2021: €-71k
2022: €-42k
2023: €-7k
2024: €15k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€20k▲ 58.3%€33k▲ 65.0%€32k▼ 4.5%€20k▼ 36.7%
Operating result€5k-€12k▲ 118%€20k▲ 66.5%€617▼ 96.9%€62k▲ 9,995%
Net result€2k-€7k▲ 217%€13k▲ 76.4%€-1k€50k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 9,995% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189k
Fixed assets
€6k▼ 73.1%
Current assets
€183k▲ 40.0%
Equity and liabilities €189k
Equity
€20k▼ 36.7%
Debt
€169k▲ 37.7%
The debt ratio rises from 79.5% to 89.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€89k▲
2024 · €33k
Cash flow
€76k▲
2024 · €30k
Solvency
10.6%▼
2024 · 20.5%
Current ratio
1.08▼
2024 · 1.13
Quick ratio
1.08▼
2024 · 1.13
Debt / equity
8.45▲
2024 · 3.89
ROE
249.4%▲
2024 · -4.7%
ROA
26.4%▲
2024 · -1.0%
Interest coverage
66.28▲
2024 · 57.86
Debt
€169k▲
2024 · €123k
Debt ≤ 1 year
€169k▲
2024 · €115k
Income taxes
€11k▲
2024 · €2k
Staff costs
€2k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€154k€189k▲
Fixed assets
21/28€24k€6k▼
Intangible fixed assets
21€23k€2k▼
Tangible fixed assets
22/27€1k€4k▲
Current assets
29/58€130k€183k▲
Amounts receivable within one year
40/41€24k€42k▲
Cash & bank
54/58€78k€119k▲
Total equity & liabilities
10/49€154k€189k▲
Equity
10/15€32k€20k▼
Contributions / capital
10/11€10k€10k=
Reserves
13€22k€10k▼
Amounts payable
17/49€123k€169k▲
Amounts payable after one year
17€8k-
Amounts payable within one year
42/48€115k€169k▲
Trade debts payable within one year
44€6k€4k▼
Income statement
Code20242025
Gross operating margin
9900€35k€91k▲
Operating result
9901€617€62k▲
Financial income
75€220€11▼
Financial charges
65€563€1k▲
Result before taxes
9903€274€61k▲
Income taxes
67/77€2k€11k▲
Net result for the period
9904€-1k€50k▲
Result to be appropriated
9905€-1k€50k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
25-09
State Gazette act
Registered-office change
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-1k ▼111%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 1,273 companies in sector 46160 we hold annual accounts for 658. 428 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2019
Fiscal year end31-12
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 25-08-2026. Scores and ratios are computed by Checked and are not a credit decision.