LILU
ActiveThe computed 12-month bankruptcy probability of LILU is 2.7% (moderate). The 2025 annual accounts show equity of €27k and a net result of €6k. Equity is growing by ~28.7% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency5▲+1
Growth78=
Stability94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.02 against 0.07 in 2024), and 92.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
7.4%
Return on assets
1.6%
Age of the figures
8 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 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
25 d late
2023
26 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 27.7%
2024 · €21k
2023: €15k
2024: €21k
2023 → 2025
Total assets
€369k▼ 3.3%
2024 · €382k
2023: €391k
2024: €382k
2023 → 2025
Net result
€6k▼ 6.6%
2024 · €6k
2023: €5k
2024: €6k
2023 → 2025
Working capital
€-77k▼ 6.3%
2024 · €-72k
2023: €-69k
2024: €-72k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€15k-€21k▲ 42.2%€27k▲ 27.7%
Operating result€22k-€21k▼ 8.4%€19k▼ 7.6%
Net result€5k-€6k▲ 27.0%€6k▼ 6.6%
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 two years in a row; 2025 is 8% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €369k
Fixed assets
€368k▼ 2.4%
Current assets
€2k▼ 67.3%
Equity and liabilities €369k
Equity
€27k▲ 27.7%
Debt
€342k▼ 5.1%
The debt ratio falls from 94.4% to 92.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€28k▼
2024 · €30k
Cash flow
€15k▼
2024 · €15k
Solvency
7.4%▲
2024 · 5.6%
Current ratio
0.02▼
2024 · 0.07
Quick ratio
0.02▼
2024 · 0.07
Debt / equity
12.58▼
2024 · 16.93
ROE
21.7%▼
2024 · 29.7%
ROA
1.6%▼
2024 · 1.7%
Interest coverage
2.51▲
2024 · 2.43
Debt
€342k▼
2024 · €360k
Debt ≤ 1 year
€79k▲
2024 · €78k
Debt > 1 year
€264k▼
2024 · €283k
Income taxes
€2k▼
2024 · €2k
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€382k€369k▼
Fixed assets
21/28€377k€368k▼
Tangible fixed assets
22/27€377k€368k▼
Current assets
29/58€5k€2k▼
Cash & bank
54/58€5k€2k▼
Total equity & liabilities
10/49€382k€369k▼
Equity
10/15€21k€27k▲
Contributions / capital
10/11€10k€10k=
Accumulated profits (losses)
14€11k€17k▲
Amounts payable
17/49€360k€342k▼
Amounts payable after one year
17€283k€264k▼
Amounts payable within one year
42/48€78k€79k▲
Income statement
Code20242025
Gross operating margin
9900€32k€31k▼
Operating result
9901€21k€19k▼
Financial charges
65€12k€11k▼
Result before taxes
9903€8k€8k▼
Income taxes
67/77€2k€2k▼
Net result for the period
9904€6k€6k▼
Result to be appropriated
9905€6k€6k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Highest result since 2023net €6k ▲27%
Net result €6k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-07-2026. Scores and ratios are computed by Checked and are not a credit decision.