LPV
ActiveThe computed 12-month bankruptcy probability of LPV is 1.8% (moderate). The 2025 annual accounts show equity of €87k and a net result of €35k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 60% of 13204 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+19
Solvency67▲+9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.61 against 0.55 in 2024; short-term debt: 58.3% and cash: 30.4% of total assets), and 58.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
41.7%
Return on assets
16.8%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
28 d late
2022
27 d late
2021
29 d late
2020
21 d late
2019
20 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€87k▲ 67.2%
2024 · €52k
2019: €17k
2020: €16k
2021: €57k
2022: €48k
2023: €49k
2024: €52k
2019 → 2025
Total assets
€209k▲ 32.9%
2024 · €157k
2019: €221k
2020: €196k
2021: €212k
2022: €184k
2023: €178k
2024: €157k
2019 → 2025
Net result
€35k▲ 1,082%
2024 · €3k
2019: €4k
2020: €-496
2021: €40k
2022: €-8k
2023: €940
2024: €3k
2019 → 2025
Working capital
€-47k▲ 0.2%
2024 · €-47k
2019: €-149k
2020: €-134k
2021: €-80k
2022: €-69k
2023: €-62k
2024: €-47k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€48k▼ 14.7%€49k▲ 1.9%€52k▲ 6.0%€87k▲ 67.2%
Operating result€45k-€-6k€3k€6k▲ 77.2%€48k▲ 740%
Net result€40k-€-8k€940€3k▲ 215%€35k▲ 1,082%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 740% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€134k▲ 35.2%
Current assets
€75k▲ 28.8%
Equity and liabilities €209k
Equity
€87k▲ 67.2%
Debt
€122k▲ 15.8%
The debt ratio falls from 66.9% to 58.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€69k▲
2024 · €19k
Cash flow
€56k▲
2024 · €17k
Solvency
41.7%▲
2024 · 33.1%
Current ratio
0.61▲
2024 · 0.55
Quick ratio
0.55▲
2024 · 0.46
Debt / equity
1.40▼
2024 · 2.02
ROE
40.2%▲
2024 · 5.7%
ROA
16.8%▲
2024 · 1.9%
Interest coverage
36.54▲
2024 · 6.31
Debt
€122k▲
2024 · €105k
Debt ≤ 1 year
€122k▲
2024 · €105k
Income taxes
€12k
Staff costs
€-421▼
2024 · €28k
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€157k€209k▲
Fixed assets21/28€99k€134k▲
Intangible fixed assets21€90k€80k▼
Tangible fixed assets22/27€9k€54k▲
Plant, machinery and equipment23€4k€8k▲
Furniture and vehicles24€3k€35k▲
Other tangible fixed assets26€2k€11k▲
Financial fixed assets28€623€0▼
Current assets29/58€58k€75k▲
Stocks and contracts in progress3€10k€8k▼
Stocks30/36€10k€8k▼
Amounts receivable within one year40/41€555€1k▲
Trade receivables40€555€1k▲
Cash at bank and in hand54/58€43k€64k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€157k€209k▲
Equity10/15€52k€87k▲
Contributions10/11€13k€13k=
Profit (loss) carried forward14€39k€74k▲
Amounts payable17/49€105k€122k▲
Amounts payable within one year42/48€105k€122k▲
Trade debts44€8k€15k▲
Suppliers440/4€8k€15k▲
Taxes, remuneration and social security45€14k€32k▲
Taxes450/3€14k€19k▲
Remuneration and social security454/9-€12k
Other amounts payable47/48€83k€75k▼
Income statement
Code20242025
Remuneration, social security and pensions62€28k€-421▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€21k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€50k€70k▲
Operating profit (loss)9901€6k€48k▲
Financial income75/76B€328€524▲
Recurring financial income75€328€524▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€3k€47k▲
Income taxes67/77-€12k
Profit (loss) for the period9904€3k€35k▲
Profit (loss) for the period to be appropriated9905€3k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€74k▲
Profit (loss) brought forward from the previous period14P€36k€39k▲
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €940
Net result €940 after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
31-12
Financial
Weakest financial yearnet €-8k ▼121%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 21 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
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, Jemeppe-sur-Sambre · 1 establishment unit since 2018
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.
Route de Saussin,Spy 395190 Jemeppe-sur-SambreGround area
1,860 m²
Building footprint
137 m²
Volume, LiDAR
584 m³
Parcel 92119B0059/00R000, Wallonia · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Route de Saussin,Spy 39, 5190 Jemeppe-sur-Sambre
since 20182.279.185.739
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92119B0059/00R000 | Wallonia | 1,860 m² | 1 · 137 m² | 5.4 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteJemeppe-sur-Sambre2.279.185.739
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Of 20,494 companies in sector 56111 we hold annual accounts for 11,454. 9,700 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2018
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.