LTB & DANIEL RENOVATION
ActiveThe computed 12-month bankruptcy probability of LTB & DANIEL RENOVATION is 3.8% (moderate). The 2025 annual accounts show equity of €36k and a net result of €7k. Equity is growing by ~71.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 27787 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
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-12
Solvency74▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.91 in 2024; short-term debt: 26.4% and cash: 37.6% of total assets), but 51.3% 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.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 29-01-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
46 d early
2023
44 d early
2022
46 d early
2021
46 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 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€7k▼ 55.0%
2024 · €17k
2021: €342
2022: €9k
2023: €137
2024: €17k
2021 → 2025
Working capital
€15k▼ 56.6%
2024 · €36k
2021: €3k
2022: €12k
2023: €12k
2024: €36k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€12k▲ 305%€12k▲ 1.2%€28k▲ 142%€36k▲ 26.4%
Operating result€478-€11k▲ 2,200%€443▼ 96.0%€21k▲ 4,661%€9k▼ 56.5%
Net result€342-€9k▲ 2,441%€137▼ 98.4%€17k▲ 12,039%€7k▼ 55.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€39k
Current assets
€35k
Equity and liabilities €73k
Equity
€36k▲ 26.4%
Debt
€38k▼ 19.4%
The debt ratio falls from 62.3% to 51.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k
Cash flow
€11k
Solvency
48.7%▲
2024 · 37.7%
Current ratio
1.80▼
2024 · 1.91
Quick ratio
1.80▼
2024 · 1.91
Debt / equity
1.06▼
2024 · 1.66
ROE
20.9%▼
2024 · 58.7%
ROA
10.2%▼
2024 · 22.1%
Interest coverage
14.95
Debt
€38k▼
2024 · €47k
Debt ≤ 1 year
€19k▼
2024 · €39k
Debt > 1 year
€18k
Income taxes
€892▼
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€75k€73k▼
Fixed assets21/28-€39k
Tangible fixed assets22/27-€39k
Furniture and vehicles24-€39k
Current assets29/58€75k€35k▼
Stocks and contracts in progress3€0€0=
Stocks30/36€0€0=
Amounts receivable within one year40/41€35k€7k▼
Trade receivables40€32k€4k▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€36k€28k▼
Deferred charges and accrued income490/1€4k€0▼
Equity and liabilities
Total equity and liabilities10/49€75k€73k▼
Equity10/15€28k€36k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€26k€33k▲
Amounts payable17/49€47k€38k▼
Amounts payable after more than one year17-€18k
Financial debts170/4-€18k
Amounts payable within one year42/48€39k€19k▼
Current portion of amounts payable after more than one year42€1k€6k▲
Trade debts44€20k€655▼
Suppliers440/4€20k€655▼
Taxes, remuneration and social security45€3k€632▼
Taxes450/3€799€632▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€16k€12k▼
Accrued charges and deferred income492/3€7k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€3k
Other operating charges640/8€2k€661▼
Gross operating margin9900€23k€13k▼
Operating profit (loss)9901€21k€9k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€245€833▲
Recurring financial charges65€245€833▲
Profit (loss) for the period before taxes9903€21k€8k▼
Income taxes67/77€4k€892▼
Profit (loss) for the period9904€17k€7k▼
Profit (loss) for the period to be appropriated9905€17k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€33k▲
Profit (loss) brought forward from the previous period14P€9k€26k▲
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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Highest result since 2021net €17k ▲12039%
Operating result €21k, net result €17k, both a record.
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €137 ▼98.4%
Net result drops to €137, the lowest in the series; recovery starts the following year.
2022
16-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
16-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Elsene · 1 establishment unit since 2020
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.
Generaal Jacqueslaan 2271050 ElseneGround area
240 m²
Building footprint
88 m²
Volume, LiDAR
980 m³
Parcel 21445C0230/00G005, Brussels · tallest building 17.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Generaal Jacqueslaan 227, 1050 Elsene
since 20202.300.804.366
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0230/00G005 | Brussels | 240 m² | 1 · 88 m² | 17.6 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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BERKVENS
BE 0832.936.822
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ALFA BETONVLOEREN
BE 1003.246.947
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Of 751 companies in sector 43422 we hold annual accounts for 424. 330 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2020
Fiscal year end30-06
Activities, NACEBEL
43422Screed work
43310Plastering work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.