LINOR
ActiveLINOR has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €57k and a net result of €-10k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 67% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability6▼-72
Solvency85▼-10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.87 in 2023; short-term debt: 39.7% and cash: 2.5% of total assets), and 39.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
60.3%
Return on assets
-10.6%
Age of the figures
21 mo
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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
29 d late
2022
70 d late
2021
31 d late
2020
31 d late
2019
98 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€57k▼ 22.5%
2023 · €73k
2018: €46k
2019: €53k
2020: €56k
2021: €58k
2022: €65k
2023: €73k
2018 → 2024
Total assets
€94k▼ 10.2%
2023 · €105k
2018: €82k
2019: €89k
2020: €100k
2021: €101k
2022: €96k
2023: €105k
2018 → 2024
Net result
€-10k
2023 · €8k
2018: €5k
2019: €7k
2020: €3k
2021: €2k
2022: €7k
2023: €8k
2018 → 2024
Working capital
€16k▼ 43.7%
2023 · €28k
2018: €-12k
2019: €-1k
2020: €5k
2021: €10k
2022: €16k
2023: €28k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€56k-€58k▲ 4.2%€65k▲ 11.5%€73k▲ 12.6%€57k▼ 22.5%
Operating result€5k-€4k▼ 26.4%€10k▲ 175%€10k▼ 3.2%€-9k
Net result€3k-€2k▼ 27.4%€7k▲ 187%€8k▲ 21.7%€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €9k after €10k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €94k
Fixed assets
€41k▼ 9.7%
Current assets
€53k▼ 10.6%
Equity and liabilities €94k
Equity
€57k▼ 22.5%
Debt
€37k▲ 18.2%
The debt ratio rises from 30.1% to 39.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-4k▼
2023 · €14k
Cash flow
€-5k▼
2023 · €13k
Solvency
60.3%▼
2023 · 69.9%
Current ratio
1.42▼
2023 · 1.87
Quick ratio
1.42▼
2023 · 1.87
Debt / equity
0.66▲
2023 · 0.43
ROE
-17.5%▼
2023 · 11.2%
ROA
-10.6%▼
2023 · 7.8%
Interest coverage
-2.00▼
2023 · 66.32
Debt
€37k▲
2023 · €32k
Debt ≤ 1 year
€37k▲
2023 · €32k
Income taxes
€0▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€105k€94k▼
Fixed assets21/28€46k€41k▼
Tangible fixed assets22/27€46k€41k▼
Land and buildings22€46k€41k▼
Current assets29/58€59k€53k▼
Amounts receivable after more than one year29€43k€43k=
Other amounts receivable291€43k€43k=
Amounts receivable within one year40/41€4k€7k▲
Trade receivables40€2k€0▼
Other amounts receivable41€3k€7k▲
Cash at bank and in hand54/58€8k€2k▼
Deferred charges and accrued income490/1€4k€963▼
Equity and liabilities
Total equity and liabilities10/49€105k€94k▼
Equity10/15€73k€57k▼
Contributions10/11€19k€19k=
Reserves13€29k€22k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€27k€20k▼
Profit (loss) carried forward14€26k€16k▼
Amounts payable17/49€32k€37k▲
Amounts payable within one year42/48€32k€37k▲
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€4k€4k=
Taxes450/3€4k€4k=
Other amounts payable47/48€28k€33k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€448€451▲
Gross operating margin9900€15k€-4k▼
Operating profit (loss)9901€10k€-9k▼
Financial income75/76B€3k€963▼
Recurring financial income75€3k€963▼
Financial charges65/66B€216€2k▲
Recurring financial charges65€216€2k▲
Profit (loss) for the period before taxes9903€12k€-10k▼
Income taxes67/77€4k€0▼
Profit (loss) for the period9904€8k€-10k▼
Profit (loss) for the period to be appropriated9905€8k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€16k▼
Profit (loss) brought forward from the previous period14P€26k€26k=
Transfer from equity791/2-€7k
Transfer to equity691/2€8k€0▼
To other reserves6921€8k€0▼
Profit to be distributed694/7-€7k
Return on contributions (dividend)694-€7k
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-10k ▼222%
Net result drops to €-10k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €8k ▲21.7%
Net result €8k, the highest in the series.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 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, Wemmel · 1 establishment unit since 1998
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.
Zwaluwenlaan 201780 WemmelGround area
7,372 m²
Building footprint
415 m²
Volume, LiDAR
3,473 m³
2 parcels, Flanders · tallest building 17.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LINOR
since 19982.087.790.287
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0526/00W000 | Flanders | 6,145 m² | 1 · 237 m² | 17.8 m · 4 fl. |
| 22005A0328/00A003 | Flanders | 1,227 m² | 1 · 178 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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J. VERREYKEN
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GOLD & SILVER COMPANY
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ART INTER BENELUX
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Of 567 companies in sector 46480 we hold annual accounts for 353. 252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-1998
Fiscal year end31-12
Activities, NACEBEL
46480Wholesale trade
51474
47770Retail sale of watches and jewellery
52484
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.