LODE HASPESLAGH
ActiveLODE HASPESLAGH has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.54M and a net result of €103k. Equity is shrinking by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 73% of 2935 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+14
Solvency95▲+3
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 3.27 against 3.0 in 2023; short-term debt: 30% and cash: 48.7% of total assets), and 30% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
70%
Return on assets
4.7%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-06-2025, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
59 d early
2023
33 d early
2022
38 d early
2021
6 d early
2020
31 d late
2019
92 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.54M▼ 3.9%
2023 · €1.61M
2018: €1.88M
2019: €2.11M
2020: €1.72M
2021: €1.42M
2022: €1.64M
2023: €1.61M
2018 → 2024
Total assets
€2.20M▼ 7.6%
2023 · €2.39M
2018: €2.43M
2019: €2.58M
2020: €2.20M
2021: €1.96M
2022: €2.22M
2023: €2.39M
2018 → 2024
Net result
€103k▼ 54.3%
2023 · €224k
2018: €197k
2019: €229k
2020: €-33k
2021: €194k
2022: €213k
2023: €224k
2018 → 2024
Working capital
€1.50M▼ 4.0%
2023 · €1.56M
2018: €1.83M
2019: €2.05M
2020: €1.63M
2021: €1.36M
2022: €1.58M
2023: €1.56M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.72M-€1.42M▼ 17.1%€1.64M▲ 15.0%€1.61M▼ 1.8%€1.54M▼ 3.9%
Operating result€70k-€345k▲ 396%€358k▲ 3.8%€310k▼ 13.6%€129k▼ 58.3%
Net result€-33k-€194k€213k▲ 9.8%€224k▲ 5.2%€103k▼ 54.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 58% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.20M
Fixed assets
€45k=
Current assets
€2.16M▼ 7.8%
Equity and liabilities €2.20M
Equity
€1.54M▼ 3.9%
Debt
€661k▼ 15.3%
The debt ratio falls from 32.7% to 30.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€129k▼
2023 · €317k
Cash flow
€103k▼
2023 · €232k
Solvency
70.0%▲
2023 · 67.3%
Current ratio
3.27▲
2023 · 3.00
Quick ratio
3.27▲
2023 · 3.00
Debt / equity
0.43▼
2023 · 0.49
ROE
6.7%▼
2023 · 14.0%
ROA
4.7%▼
2023 · 9.4%
Interest coverage
51.53▲
2023 · -40.40
Debt
€661k▼
2023 · €780k
Debt ≤ 1 year
€661k▼
2023 · €780k
Income taxes
€62k▼
2023 · €95k
Staff costs
€237k▼
2023 · €240k
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€2.39M€2.20M▼
Fixed assets21/28€45k€45k=
Tangible fixed assets22/27€45k€45k=
Plant, machinery and equipment23€0-
Other tangible fixed assets26€45k€45k=
Current assets29/58€2.34M€2.16M▼
Amounts receivable within one year40/41€591k€496k▼
Trade receivables40€585k€452k▼
Other amounts receivable41€6k€44k▲
Current investments50/53€550k€553k▲
Cash at bank and in hand54/58€1.19M€1.07M▼
Deferred charges and accrued income490/1€8k€37k▲
Equity and liabilities
Total equity and liabilities10/49€2.39M€2.20M▼
Equity10/15€1.61M€1.54M▼
Contributions10/11€12k€0▼
Reserves13€1.59M€1.54M▼
Distributable reserves133€1.59M€1.54M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€780k€661k▼
Amounts payable within one year42/48€780k€661k▼
Financial debts43€34k€33k▼
Credit institutions430/8€34k€33k▼
Trade debts44€15k€12k▼
Suppliers440/4€15k€12k▼
Advances received on contracts in progress46€379k€400k▲
Taxes, remuneration and social security45€118k€56k▼
Taxes450/3€65k€11k▼
Remuneration and social security454/9€53k€45k▼
Other amounts payable47/48€234k€160k▼
Income statement
Code20232024
Remuneration, social security and pensions62€240k€237k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€0▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€559k€367k▼
Operating profit (loss)9901€310k€129k▼
Financial income75/76B€2k€38k▲
Recurring financial income75€2k€38k▲
Financial charges65/66B€-8k€3k▲
Recurring financial charges65€-8k€3k▲
Profit (loss) for the period before taxes9903€320k€165k▼
Income taxes67/77€95k€62k▼
Profit (loss) for the period9904€224k€103k▼
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€224k€103k▼
Appropriation of the result
Profit (loss) to be appropriated9906€224k€103k▼
Transfer from equity791/2€254k€153k▼
Transfer to equity691/2€224k€103k▼
To other reserves6921€224k€103k▼
Profit to be distributed694/7€254k€153k▼
Return on contributions (dividend)694€254k€153k▼
Social balance
Average headcount (FTE)90872.05.4▲
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €194k
Net result €194k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-33k ▼115%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €229k ▲16.1%
Operating result €375k, net result €229k, both a record.
31-12
Financial
Equity above €2MEq €2.11M ▲12.1%
2 profitable years in a row build equity to €2.11M.
09-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
16-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ninove · 1 establishment unit since 2004
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.
Bevrijdingslaan 169400 NinoveGround area
519 m²
Building footprint
261 m²
Volume, LiDAR
3,282 m³
Parcel 41362B1596/00N002, Flanders · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Bevrijdingslaan 16, 9400 Ninove
since 20042.228.572.426
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41362B1596/00N002 | Flanders | 519 m² | 1 · 261 m² | 17.3 m · 4 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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Of 1,020 companies in sector 69103 we hold annual accounts for 611. 315 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2004
Fiscal year end31-12
Activities, NACEBEL
69103Activities of bailiffs
74113
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.