LML VASTGOED 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 €147k and a net result of €34k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 41% of 8013 sector peers (fiscal year 2025). The company has been active since 2015 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 · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-03-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
44 d early
2023
32 d early
2022
24 d early
2021
33 d early
2020
29 d early
2019
28 d early
← 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
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€147k▲ 30.3%
2024 · €113k
2018: €104k
2019: €73k
2020: €108k
2021: €128k
2022: €111k
2023: €109k
2024: €113k
2018 → 2025
Net result
€34k▲ 956%
2024 · €3k
2018: €44k
2019: €11k
2020: €23k
2021: €20k
2022: €17k
2023: €-2k
2024: €3k
2018 → 2025
Total assets
€359k▲ 11.5%
2024 · €322k
2018: €157k
2019: €171k
2020: €164k
2021: €161k
2022: €214k
2023: €187k
2024: €322k
2018 → 2025
Solvency
40.9%▲ 5.9pp
2024 · 35.0%
2018: 66.6%
2019: 42.6%
2020: 65.8%
2021: 79.6%
2022: 52.0%
2023: 58.4%
2024: 35.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€111k▼ 12.9%€109k▼ 1.8%€113k▲ 3.0%€147k▲ 30.3%
Operating result€28k-€25k▼ 8.9%€4k▼ 85.9%€10k▲ 178%€57k▲ 481%
Net result€20k-€17k▼ 15.8%€-2k€3k€34k▲ 956%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 481% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €359k
Fixed assets
€291k▲ 2.8%
Current assets
€68k▲ 74.2%
Equity and liabilities €359k
Equity
€147k▲ 30.3%
Debt
€212k▲ 1.3%
The debt ratio falls from 65.0% to 59.1%. Equity and debt are higher.
Key figures and ratios
Solvency
40.9%▲
2024 · 35.0%
ROE
23.2%▲
2024 · 2.9%
ROA
9.5%▲
2024 · 1.0%
Debt
€212k▲
2024 · €209k
Debt ≤ 1 year
€80k▲
2024 · €72k
Debt > 1 year
€130k▼
2024 · €135k
Income taxes
€18k▲
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€322k€359k▲
Fixed assets21/28€283k€291k▲
Tangible fixed assets22/27€283k€291k▲
Land and buildings22€277k€267k▼
Furniture and vehicles24€6k€24k▲
Current assets29/58€39k€68k▲
Amounts receivable within one year40/41€3k€19k▲
Trade receivables40€413€19k▲
Other amounts receivable41€3k€0▼
Cash at bank and in hand54/58€33k€46k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€322k€359k▲
Equity10/15€113k€147k▲
Contributions10/11€19k€19k=
Reserves13€94k€128k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€94k€128k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€209k€212k▲
Amounts payable after more than one year17€135k€130k▼
Financial debts170/4€135k€130k▼
Amounts payable within one year42/48€72k€80k▲
Current portion of amounts payable after more than one year42€20k€21k▲
Financial debts43€4k€4k▼
Credit institutions430/8€4k€4k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€10k€22k▲
Taxes450/3€10k€20k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€35k€31k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€413€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€17k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€21k€78k▲
Operating profit (loss)9901€10k€57k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€8k€52k▲
Income taxes67/77€4k€18k▲
Profit (loss) for the period9904€3k€34k▲
Profit (loss) for the period to be appropriated9905€3k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€34k▲
Profit (loss) brought forward from the previous period14P€-2k€0▲
Transfer to equity691/2€1k€34k▲
To other reserves6921€1k€34k▲
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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-2k ▼112%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Liquidity triplescurrent ratio 2.25
Current ratio from 0.89 to 2.25; short-term debt falls from €70k to €31k.
30-09
Financial
Equity above €100kEq €108k ▲48.3%
3 profitable years in a row build equity to €108k.
02-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-04
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
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, Kinrooi · 1 establishment unit since 2015
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.
Letterveld (Oph) 63640 KinrooiGround area
2,104 m²
Building footprint
207 m²
Volume, LiDAR
1,019 m³
Parcel 72026B0316/00V000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Letterveld (Oph) 6, 3640 Kinrooi
since 20152.239.373.474
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72026B0316/00V000 | Flanders | 2,103 m² | 1 · 206 m² | 7.6 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
2024 · 1 entry · 173 EUR awarded · 173 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 173 EUR | 173 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,196 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2015
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.