Summary
LTCI 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 €32,690 and a net result of €7,214. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 64% of 8074 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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 check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
9 d early
2024
15 d early
2023
22 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 15 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€32,690▲ 28.3%
2024 · €25,476
Net result
€7,214▼ 39.3%
2024 · €11,885
Total assets
€48,333▲ 38.0%
2024 · €35,025
Solvency
67.6%▼ 5.1pp
2024 · 72.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€19,802-€18,704▼ 5.5%€12,211▼ 34.7%
Net result€11,591within the sector's middle half-€11,885within the sector's middle half▲ 2.5%€7,214within the sector's middle half▼ 39.3%
Equity€13,591below the sector's middle half-€25,476below the sector's middle half▲ 87.4%€32,690below the sector's middle half▲ 28.3%
Total assets€35,490below the sector's middle half-€35,025below the sector's middle half▼ 1.3%€48,333below the sector's middle half▲ 38.0%
Debt€21,898-€9,549▼ 56.4%€15,643▲ 63.8%
Working capital-€2,413-€13,449€13,316▼ 1.0%
Solvency38.3%within the sector's middle half-72.7%within the sector's middle half▲ 34.4pp67.6%within the sector's middle half▼ 5.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 two years in a row; 2025 is 35% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48,333
Fixed assets
€19,375 ▲ 61.1%
Current assets
€28,959 ▲ 25.9%
Equity and liabilities €48,333
Equity
€32,690 ▲ 28.3%
Debt
€15,643 ▲ 63.8%
Debt's share of the balance-sheet total rises from 27.3% to 32.4%. Equity and debt are higher.
Key figures and ratios
ROE
22.1%▼
2024 · 46.7%
ROA
14.9%▼
2024 · 33.9%
Debt ≤ 1 year
€15,643▲
2024 · €9,549
Income taxes
€4,341▼
2024 · €5,536
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,884 | €3,978 | €4,868 | ▲ 22.4% |
| Other operating charges640/8 | €2,775 | €983 | €1,352 | ▲ 37.5% |
| Gross operating margin9900 | €26,460 | €23,665 | €18,431 | ▼ 22.1% |
| Operating profit (loss)9901 | €19,802 | €18,704 | €12,211 | ▼ 34.7% |
| Financial charges65/66B | €2,058 | €1,284 | €655 | ▼ 49.0% |
| Recurring financial charges65 | €2,058 | €1,284 | €655 | ▼ 49.0% |
| Profit (loss) for the period before taxes9903 | €17,744 | €17,421 | €11,555 | ▼ 33.7% |
| Income taxes67/77 | €6,152 | €5,536 | €4,341 | ▼ 21.6% |
| Profit (loss) for the period9904 | €11,591 | €11,885 | €7,214 | ▼ 39.3% |
| Profit (loss) for the period to be appropriated9905 | €11,591 | €11,885 | €7,214 | ▼ 39.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €35,490 | €35,025 | €48,333 | ▲ 38.0% |
| Fixed assets21/28 | €16,005 | €12,027 | €19,375 | ▲ 61.1% |
| Tangible fixed assets22/27 | €16,005 | €12,027 | €19,375 | ▲ 61.1% |
| Land and buildings22 | €4,476 | €3,388 | €2,299 | ▼ 32.1% |
| Furniture and vehicles24 | €11,529 | €8,640 | €17,075 | ▲ 97.6% |
| Current assets29/58 | €19,485 | €22,998 | €28,959 | ▲ 25.9% |
| Stocks and contracts in progress3 | €1,087 | €2,648 | €3,601 | ▲ 36.0% |
| Stocks30/36 | €1,087 | €2,648 | €3,601 | ▲ 36.0% |
| Amounts receivable within one year40/41 | €10,374 | €11,200 | €14,804 | ▲ 32.2% |
| Trade receivables40 | €10,286 | €10,701 | €12,145 | ▲ 13.5% |
| Other amounts receivable41 | €89 | €499 | €2,659 | ▲ 433% |
| Cash at bank and in hand54/58 | €8,024 | €9,149 | €10,554 | ▲ 15.4% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €35,490 | €35,025 | €48,333 | ▲ 38.0% |
| Equity10/15 | €13,591 | €25,476 | €32,690 | ▲ 28.3% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €11,591 | €23,476 | €30,690 | ▲ 30.7% |
| Distributable reserves133 | €11,591 | €23,476 | €30,690 | ▲ 30.7% |
| Amounts payable17/49 | €21,898 | €9,549 | €15,643 | ▲ 63.8% |
| Amounts payable within one year42/48 | €21,898 | €9,549 | €15,643 | ▲ 63.8% |
| Financial debts43 | €147 | €0 | €333 | - |
| Credit institutions430/8 | €147 | €0 | €333 | - |
| Trade debts44 | €3,294 | €813 | €703 | ▼ 13.6% |
| Suppliers440/4 | €3,294 | €813 | €703 | ▼ 13.6% |
| Advances received on contracts in progress46 | €284 | €0 | €1,152 | - |
| Taxes, remuneration and social security45 | €15,602 | €6,011 | €7,483 | ▲ 24.5% |
| Taxes450/3 | €12,701 | €6,011 | €7,483 | ▲ 24.5% |
| Remuneration and social security454/9 | €2,900 | €0 | - | - |
| Other amounts payable47/48 | €2,571 | €2,725 | €5,973 | ▲ 119% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,591 | €11,885 | €7,214 | ▼ 39.3% |
| + Depreciation and write-downs630 | €3,884 | €3,978 | €4,868 | ▲ 22.4% |
| Operating cash flow (approximation) | €15,475 | €15,863 | €12,082 | ▼ 23.8% |
| Investment in fixed assets (approximation) | - | €0 | -€12,216 | - |
| Change in cash | - | €1,125 | €1,405 | ▲ 24.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €7,214 ▼39.3%
Net result drops to €7,214, the lowest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €11,885 ▲2.5%
Net result €11,885, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 2.41
Current ratio from 0.89 to 2.41; short-term debt falls from €21,898 to €9,549.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Keerbergen · 1 establishment unit since 2022
Ground area
1,313 m²
Building footprint
147 m²
Volume, LiDAR
3 m³
Parcel 24048D0255/00X000, Flanders · tallest building 0.6 m. Linked by address, not a title deed.
1 establishment unit
LTCI
since 20222.331.309.282
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24048D0255/00X000 | Flanders | 1,313 m² | 1 · 147 m² | 0.6 m |
Linked by address, not proof of ownership
Good to know
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
2022 to 2024 · 3 entries · 1,993 EUR awarded · 1,993 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 336 EUR | 336 EUR |
| 2023 | 1 | 983 EUR | 983 EUR |
| 2022 | 1 | 674 EUR | 674 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteKeerbergen2.331.309.282
Similar companies · same sector, comparable size
J.A.W. Management
BE 0779.907.714
Borgloon · Eq €32,690
Jimmy A
BE 0775.761.557
Antwerpen · Eq €32,692
CELIA INVEST
BE 1003.248.729
Neupré · Eq €32,696
Geroma Consulting
BE 0720.496.994
Dendermonde · Eq €32,675
CHARMONY
BE 0768.582.468
Antwerpen · Eq €32,668
Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 9,055 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-05-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
47120Other non-specialised retail sale
E-invoicing
Reachable via Peppol
Peppol ID
0208:0786261610
Also
9925:BE0786261610
Registered
11-04-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.