LGD HOME
ActiveThe computed 12-month bankruptcy probability of LGD HOME is 1.8% (moderate). The 2025 annual accounts show equity of €64k and a net result of €21k. Equity is growing by ~29.4% per year across the filed fiscal years. Its solvency ranks better than 20% of 7415 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+4
Solvency39▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.24 in 2024; short-term debt: 84.3% and cash: 14.4% of total assets), and 86.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 41
Relative position
BE, all sectors
reference
Sector 41
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
13.5%
Return on assets
4.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 7415 sector peers (2025).
NBB · sector comparisonPosition among 7415 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
50 d late
2022
59 d late
2021
74 d late
2020
31 d late
2019
83 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▲ 49.1%
2024 · €43k
2019: €14k
2020: €18k
2021: €18k
2022: €25k
2023: €38k
2024: €43k
2019 → 2025
Total assets
€475k▲ 64.3%
2024 · €289k
2019: €62k
2020: €179k
2021: €164k
2022: €155k
2023: €290k
2024: €289k
2019 → 2025
Net result
€21k▲ 348%
2024 · €5k
2019: €4k
2020: €3k
2021: €86
2022: €8k
2023: €13k
2024: €5k
2019 → 2025
Working capital
€65k▲ 15.8%
2024 · €56k
2019: €13k
2020: €16k
2021: €11k
2022: €35k
2023: €62k
2024: €56k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€25k▲ 42.5%€38k▲ 52.0%€43k▲ 12.3%€64k▲ 49.1%
Operating result€7k-€14k▲ 104%€26k▲ 82.2%€17k▼ 33.8%€40k▲ 133%
Net result€86-€8k▲ 8,612%€13k▲ 74.4%€5k▼ 64.0%€21k▲ 348%
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 133% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €475k
Fixed assets
€9k▲ 295%
Current assets
€466k▲ 62.4%
Equity and liabilities €475k
Equity
€64k▲ 49.1%
Debt
€411k▲ 66.9%
The debt ratio rises from 85.1% to 86.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€42k▲
2024 · €19k
Cash flow
€23k▲
2024 · €6k
Solvency
13.5%▼
2024 · 14.9%
Current ratio
1.16▼
2024 · 1.24
Quick ratio
1.15▼
2024 · 1.23
Debt / equity
6.40▲
2024 · 5.71
ROE
32.9%▲
2024 · 11.0%
ROA
4.5%▲
2024 · 1.6%
Interest coverage
3.46▲
2024 · 3.40
Debt
€411k▲
2024 · €246k
Debt ≤ 1 year
€401k▲
2024 · €231k
Debt > 1 year
€10k▼
2024 · €15k
Income taxes
€7k▼
2024 · €7k
Staff costs
€326k▲
2024 · €116k
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
Assets
Total assets20/58€289k€475k▲
Fixed assets21/28€2k€9k▲
Tangible fixed assets22/27€2k€9k▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€204€7k▲
Current assets29/58€287k€466k▲
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€238k€393k▲
Trade receivables40€219k€379k▲
Other amounts receivable41€20k€13k▼
Cash at bank and in hand54/58€42k€69k▲
Deferred charges and accrued income490/1€3k€63▼
Equity and liabilities
Total equity and liabilities10/49€289k€475k▲
Equity10/15€43k€64k▲
Contributions10/11€10k€10k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€31k€52k▲
Amounts payable17/49€246k€411k▲
Amounts payable after more than one year17€15k€10k▼
Financial debts170/4€15k€10k▼
Amounts payable within one year42/48€231k€401k▲
Current portion of amounts payable after more than one year42€9k€5k▼
Trade debts44€198k€352k▲
Suppliers440/4€198k€352k▲
Advances received on contracts in progress46€6k€253▼
Taxes, remuneration and social security45€15k€30k▲
Taxes450/3€7k€14k▲
Remuneration and social security454/9€8k€16k▲
Other amounts payable47/48€3k€14k▲
Income statement
Code20242025
Remuneration, social security and pensions62€116k€326k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€137k€369k▲
Operating profit (loss)9901€17k€40k▲
Financial income75/76B€42€5▼
Recurring financial income75€42€5▼
Financial charges65/66B€6k€12k▲
Recurring financial charges65€6k€12k▲
Profit (loss) for the period before taxes9903€12k€28k▲
Income taxes67/77€7k€7k▼
Profit (loss) for the period9904€5k€21k▲
Profit (loss) for the period to be appropriated9905€5k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€52k▲
Profit (loss) brought forward from the previous period14P€26k€31k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2019net €21k ▲348%
Operating result €40k, net result €21k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
2021
31-12
Financial
Weakest financial yearnet €86 ▼97.2%
Net result drops to €86, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 83 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Chapelle-lez-Herlaimont · 1 establishment unit since 2018
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.
Rue Ferrer 297160 Chapelle-lez-HerlaimontGround area
292 m²
Building footprint
43 m²
Volume, LiDAR
400 m³
Parcel 52027A0224/00K004, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LGD Home
since 20182.280.609.461
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52027A0224/00K004 | Wallonia | 292 m² | 1 · 43 m² | 10.3 m · 3 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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 13,202 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-10-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:lgdhome@outlook.be
Phone:0478/294556