LIOS
ActiveThe computed 12-month bankruptcy probability of LIOS is 1.8% (moderate). The 2025 annual accounts show equity of €99k and a net result of €33k. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 61% of 17638 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
83
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency88▼-11
Growth42▼-10
Stability94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 3.46 in 2024), but 53.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 10
Relative position
BE, all sectors
reference
Sector 10
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
46.9%
Return on assets
15.8%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-11-2025, 80 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
80 d early
2024
123 d early
2023
58 d early
2022
26 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close07-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k▼ 46.9%
2024 · €186k
2022: €99k
2023: €144k
2024: €186k
2022 → 2025
Total assets
€210k▼ 29.9%
2024 · €300k
2022: €197k
2023: €264k
2024: €300k
2022 → 2025
Net result
€33k▼ 24.2%
2024 · €44k
2022: €94k
2023: €47k
2024: €44k
2022 → 2025
Working capital
€67k▼ 55.3%
2024 · €151k
2022: €77k
2023: €102k
2024: €151k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€99k-€144k▲ 45.8%€186k▲ 29.3%€99k▼ 46.9%
Operating result€135k-€65k▼ 51.5%€62k▼ 5.7%€52k▼ 16.6%
Net result€94k-€47k▼ 50.0%€44k▼ 6.5%€33k▼ 24.2%
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 17% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€62k▼ 29.2%
Current assets
€148k▼ 30.2%
Equity and liabilities €210k
Equity
€99k▼ 46.9%
Debt
€112k▼ 2.1%
The debt ratio rises from 38.0% to 53.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€80k▼
2024 · €89k
Cash flow
€61k▼
2024 · €71k
Solvency
46.9%▼
2024 · 62.0%
Current ratio
1.84▼
2024 · 3.46
Quick ratio
1.78▼
2024 · 3.38
Debt / equity
1.13▲
2024 · 0.61
ROE
33.6%▲
2024 · 23.5%
ROA
15.8%▲
2024 · 14.6%
Interest coverage
13.18▲
2024 · 12.02
Debt
€112k▼
2024 · €114k
Debt ≤ 1 year
€81k▲
2024 · €61k
Debt > 1 year
€31k▼
2024 · €53k
Income taxes
€12k▼
2024 · €13k
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€300k€210k▼
Fixed assets21/28€88k€62k▼
Tangible fixed assets22/27€88k€62k▼
Plant, machinery and equipment23€22k€15k▼
Furniture and vehicles24€66k€48k▼
Current assets29/58€212k€148k▼
Amounts receivable after more than one year29€28k€0▼
Trade receivables290€28k€0▼
Stocks and contracts in progress3€5k€5k▼
Stocks30/36€5k€5k▼
Amounts receivable within one year40/41€19k€6k▼
Trade receivables40€12k€0▼
Other amounts receivable41€7k€6k▼
Cash at bank and in hand54/58€157k€134k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€300k€210k▼
Equity10/15€186k€99k▼
Contributions10/11€5k€5k=
Reserves13€181k€94k▼
Distributable reserves133€181k€94k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€114k€112k▼
Amounts payable after more than one year17€53k€31k▼
Financial debts170/4€53k€31k▼
Amounts payable within one year42/48€61k€81k▲
Current portion of amounts payable after more than one year42€21k€23k▲
Trade debts44€35k€22k▼
Suppliers440/4€35k€22k▼
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€3k€461▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€914€33k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€91k€81k▼
Operating profit (loss)9901€62k€52k▼
Financial income75/76B€2k€199▼
Recurring financial income75€2k€199▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€56k€46k▼
Income taxes67/77€13k€12k▼
Profit (loss) for the period9904€44k€33k▼
Profit (loss) for the period to be appropriated9905€44k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€33k▼
Transfer from equity791/2-€119k
Transfer to equity691/2€42k€31k▼
To other reserves6921€42k€31k▼
Profit to be distributed694/7€2k€121k▲
Return on contributions (dividend)694€2k€121k▲
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
2025
12-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €33k ▼24.2%
Net result drops to €33k, the lowest in the series.
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Equity above €150kEq €186k ▲29.3%
3 profitable years in a row build equity to €186k.
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Equity above €100kEq €144k ▲45.8%
2 profitable years in a row build equity to €144k.
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Stijn Mahieu
CurrentDirector · since 01-01-2026
01-01-2026
Appointed as Director
Not every act has been read: a resignation may be missing here
2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Kruisem · 1 establishment unit since 2020
Ground area
519 m²
Building footprint
494 m²
Volume, LiDAR
2,268 m³
Parcel 45017A1580/00G002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LIOS
since 20202.310.805.165
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017A1580/00G002 | Flanders | 519 m² | 1 · 494 m² | 10.2 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.
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BAKKERIJ WIM VERMEULEN
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Of 4,201 companies in sector 10712 we hold annual accounts for 1,834. 1,578 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2020
Fiscal year end30-06
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.