LH@YB INVEST
ActiveSummary
LH@YB INVEST has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €3k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▲+2
Solvency65▼-35
Growth47▲+4
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 2.39 in 2024; short-term debt: 59.6% and cash: 0.6% of total assets), and 59.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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
40.4%
Return on assets
1.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 9 filingsDeviation from the deadline
2025
21 d late
2024
1 d early
2023
27 d late
2022
29 d late
2021
586 d late
2020
149 d late
2019
514 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€683k▲ 25.4%
2024 · €545k
2018: €630k
2019: €741k
2020: €753k
2021: €713k
2022: €673k
2023: €652k
2024: €545k
2018 → 2025
EBIT margin
0.9%▲ 0.8pp
2024 · 0.2%
2018: 0.5%
2019: 0.7%
2020: 5.9%
2021: 0.6%
2022: 0.6%
2023: 1.0%
2024: 0.2%
2018 → 2025
Net result
€3k▲ 242%
2024 · €971
2018: €4k
2019: €6k
2020: €33k
2021: €3k
2022: €3k
2023: €5k
2024: €971
2018 → 2025
Working capital
€60k▲ 31.5%
2024 · €46k
2018: €-20k
2019: €-16k
2020: €17k
2021: €17k
2022: €50k
2023: €33k
2024: €46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€713k-€673k▼ 5.7%€652k▼ 3.1%€545k▼ 16.5%€683k▲ 25.4%
Equity€99k-€102k▲ 3.5%€107k▲ 4.8%€108k▲ 0.9%€111k▲ 3.1%
Operating result€4k-€4k▼ 1.5%€7k▲ 61.1%€971▼ 85.1%€6k▲ 555%
Net result€3k-€3k▲ 8.1%€5k▲ 44.0%€971▼ 80.2%€3k▲ 242%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 555% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €275k
Fixed assets
€51k ▼ 17.9%
Current assets
€224k ▲ 185%
Equity and liabilities €275k
Equity
€111k ▲ 3.1%
Debt
€164k ▲ 399%
Debt's share of the balance-sheet total rises from 23.3% to 59.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€18k▲
2024 · €13k
Cash flow
€15k▲
2024 · €13k
Current ratio
1.37▼
2024 · 2.39
Quick ratio
0.11▼
2024 · 1.32
Debt to equity
1.47▲
2024 · 0.30
ROE
3.0%▲
2024 · 0.9%
ROA
1.2%▲
2024 · 0.7%
Debt ≤ 1 year
€164k▲
2024 · €33k
Income taxes
€3k
Staff costs
€43k▲
2024 · €18k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€141k€275k▲
Fixed assets21/28€62k€51k▼
Tangible fixed assets22/27€62k€50k▼
Plant, machinery and equipment23€35k€30k▼
Furniture and vehicles24€14k€8k▼
Other tangible fixed assets26€14k€12k▼
Financial fixed assets28€584€584=
Current assets29/58€79k€224k▲
Stocks and contracts in progress3€35k€206k▲
Stocks30/36€35k€206k▲
Amounts receivable within one year40/41€42k€16k▼
Trade receivables40€23k-
Other amounts receivable41€19k€16k▼
Cash at bank and in hand54/58€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€141k€275k▲
Equity10/15€108k€111k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€100k€103k▲
Amounts payable17/49€33k€164k▲
Amounts payable within one year42/48€33k€164k▲
Trade debts44€29k€153k▲
Suppliers440/4€29k€153k▲
Taxes, remuneration and social security45€4k€10k▲
Taxes450/3€1k€107▼
Remuneration and social security454/9€3k€10k▲
Other amounts payable47/48-€1k
Income statement
Code20242025
Turnover70€545k€683k▲
Goods, raw materials, services and sundry goods60/61€505k€616k▲
Remuneration, social security and pensions62€18k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€9k€5k▼
Gross operating margin9900€39k€67k▲
Operating profit (loss)9901€971€6k▲
Profit (loss) for the period before taxes9903€971€6k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€971€3k▲
Profit (loss) for the period to be appropriated9905€971€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€100k€103k▲
Profit (loss) brought forward from the previous period14P€99k€100k▲
The notes to these accounts (6 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €971 ▼80.2%
Net result drops to €971, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
08-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 586 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Liquidity times 6current ratio 8.36
Current ratio from 1.36 to 8.36; short-term debt falls from €46k to €7k.
31-12
Financial
Equity above €100kEq €102k ▲3.5%
5 profitable years in a row build equity to €102k.
2021
27-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 149 days late
27-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 514 days late
2020
31-12
Financial
Highest result since 2018net €33k ▲446%
Operating result €45k, net result €33k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.36
Current ratio from 0.64 to 1.36.
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Boussu · 1 establishment unit since 2016
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 de Mons(H) 2247301 BoussuGround area
74 m²
Building footprint
53 m²
Volume, LiDAR
401 m³
Parcel 53041A0106/00S002, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B&B EXPRESS
since 20162.255.516.155
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53041A0106/00S002indicative | Wallonia | 74 m² | 1 · 53 m² | 9.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBoussu2.255.516.155
Similar companies · same sector, comparable size
Express Invest Groep
BE 0501.635.005
Beveren-Kruibeke-Zwijndrecht · Eq €111,256
TOP BIZ
BE 0883.266.558
Ledegem · Eq €111,278
SAFINA
BE 0449.871.548
Antwerpen · Eq €111,170
SODHI
BE 0843.683.531
Glabbeek · Eq €111,309
ADROPICO
BE 1007.685.191
Jodoigne · Eq €111,120
Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,615 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
Founded30-06-2016
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
46349Wholesale of beverages, general range
47252Retail sale of beverages, general range
47260Retail trade
56112Limited-service restaurants, excluding mobile food services
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.