LGW CONSULT 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 €422k and a net result of €18k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 47% of 7980 sector peers (fiscal year 2025). The company has been active since 2009 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 advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-05-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
28 d late
2023
26 d late
2022
9 d late
2021
30 d late
2020
29 d late
2019
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€422k▲ 4.5%
2024 · €404k
2018: €212k
2019: €244k
2020: €301k
2021: €312k
2022: €343k
2023: €376k
2024: €404k
2018 → 2025
Net result
€18k▼ 34.3%
2024 · €28k
2018: €19k
2019: €32k
2020: €58k
2021: €11k
2022: €70k
2023: €33k
2024: €28k
2018 → 2025
Total assets
€891k▼ 4.3%
2024 · €931k
2018: €598k
2019: €1.37M
2020: €913k
2021: €915k
2022: €940k
2023: €959k
2024: €931k
2018 → 2025
Solvency
47.3%▲ 4.0pp
2024 · 43.3%
2018: 35.4%
2019: 17.9%
2020: 32.9%
2021: 34.0%
2022: 36.5%
2023: 39.2%
2024: 43.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€312k-€343k▲ 10.0%€376k▲ 9.7%€404k▲ 7.3%€422k▲ 4.5%
Operating result€29k-€113k▲ 292%€55k▼ 51.4%€52k▼ 4.8%€42k▼ 18.6%
Net result€11k-€70k▲ 530%€33k▼ 52.5%€28k▼ 17.0%€18k▼ 34.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €891k
Fixed assets
€759k▼ 4.2%
Current assets
€132k▼ 5.0%
Equity and liabilities €891k
Equity
€422k▲ 4.5%
Provisions
€15k=
Debt
€454k▼ 11.4%
The debt ratio falls from 55.0% to 51.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
47.3%▲
2024 · 43.3%
ROE
4.3%▼
2024 · 6.8%
ROA
2.0%▼
2024 · 3.0%
Debt
€454k▼
2024 · €513k
Debt ≤ 1 year
€58k▼
2024 · €82k
Debt > 1 year
€396k▼
2024 · €430k
Income taxes
€9k▼
2024 · €12k
Staff costs
€56k▼
2024 · €66k
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€931k€891k▼
Fixed assets21/28€793k€759k▼
Tangible fixed assets22/27€792k€759k▼
Land and buildings22€788k€757k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€483€70▼
Financial fixed assets28€400€400=
Current assets29/58€139k€132k▼
Amounts receivable within one year40/41€43k€48k▲
Trade receivables40€16k€17k▲
Other amounts receivable41€27k€32k▲
Cash at bank and in hand54/58€54k€46k▼
Deferred charges and accrued income490/1€42k€37k▼
Equity and liabilities
Total equity and liabilities10/49€931k€891k▼
Equity10/15€404k€422k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€251k€269k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Tax-exempt reserves132€19k€19k=
Distributable reserves133€230k€250k▲
Profit (loss) carried forward14€147k€147k=
Provisions and deferred taxes16€15k€15k=
Provisions for liabilities and charges160/5€15k€15k=
Pensions and similar obligations160€15k€15k=
Amounts payable17/49€513k€454k▼
Amounts payable after more than one year17€430k€396k▼
Financial debts170/4€430k€396k▼
Amounts payable within one year42/48€82k€58k▼
Current portion of amounts payable after more than one year42€42k€35k▼
Trade debts44€10k-
Suppliers440/4€10k-
Taxes, remuneration and social security45€29k€22k▼
Taxes450/3€16k€17k▲
Remuneration and social security454/9€13k€5k▼
Accrued charges and deferred income492/3€1k€749▼
Income statement
Code20242025
Remuneration, social security and pensions62€66k€56k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€34k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€160k€138k▼
Operating profit (loss)9901€52k€42k▼
Financial income75/76B-€186
Recurring financial income75-€186
Financial charges65/66B€12k€16k▲
Recurring financial charges65€12k€10k▼
Non-recurring financial charges66B-€6k
Profit (loss) for the period before taxes9903€40k€27k▼
Income taxes67/77€12k€9k▼
Profit (loss) for the period9904€28k€18k▼
Profit (loss) for the period to be appropriated9905€28k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€175k€165k▼
Profit (loss) brought forward from the previous period14P€147k€147k=
Transfer to equity691/2€28k€18k▼
To other reserves6921€28k€18k▼
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
Next filing, fiscal year 2026, expected by
2026
25-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
26-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
30-09
Financial
Highest result since 2018net €70k ▲530%
Operating result €113k, net result €70k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-09
Financial
Weakest financial yearnet €11k ▼80.8%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
29-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-03
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, Kontich · 1 establishment unit since 2009
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.
Groeningenlei 982550 KontichGround area
2,701 m²
Building footprint
377 m²
Volume, LiDAR
2,100 m³
Parcel 11024B0019/00C002, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LGW Consult
since 20092.175.696.934
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0019/00C002 | Flanders | 2,701 m² | 1 · 377 m² | 11.0 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,995 EUR awarded · 1,995 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,995 EUR | 1,995 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteKontich2.175.696.934
Similar companies · same sector, comparable size
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BE 0864.343.937
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EMKABEE
BE 0543.600.074
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Real Line
BE 0778.758.956
Lier · Eq €422k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,712 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2009
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
47279Other retail sale of food
47299Retail trade
68110Buying and selling of own real estate
82300Organisation of conventions and trade shows
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.