LUDOVIC DE BLOCK
ActiveLUDOVIC DE BLOCK has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €490k and a net result of €256k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 26% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-8
Solvency53▼-45
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 2.79 in 2024; short-term debt: 13.9% and cash: 12% of total assets), but 72.2% 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
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 · 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
27.8%
Return on assets
14.5%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 10 filingsDeviation from the deadline
2025
5 d late
2024
49 d early
2023
30 d late
2022
29 d late
2021
33 d early
2020
41 d late
2019
11 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€490k▲ 35.5%
2024 · €362k
2018: €265k
2019: €313k
2020: €282k
2021: €282k
2022: €308k
2023: €367k
2024: €362k
2018 → 2025
Total assets
€1.77M▲ 258%
2024 · €493k
2018: €293k
2019: €362k
2020: €335k
2021: €328k
2022: €375k
2023: €480k
2024: €493k
2018 → 2025
Net result
€256k▲ 145%
2024 · €104k
2018: €46k
2019: €48k
2020: €37k
2021: €31k
2022: €61k
2023: €105k
2024: €104k
2018 → 2025
Working capital
€305k▲ 29.7%
2024 · €235k
2018: €121k
2019: €135k
2020: €105k
2021: €111k
2022: €151k
2023: €226k
2024: €235k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€282k-€308k▲ 8.9%€367k▲ 19.4%€362k▼ 1.5%€490k▲ 35.5%
Operating result€48k-€89k▲ 84.3%€149k▲ 68.5%€145k▼ 2.9%€375k▲ 159%
Net result€31k-€61k▲ 101%€105k▲ 71.1%€104k▼ 0.4%€256k▲ 145%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 159% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.77M
Fixed assets
€1.22M▲ 861%
Current assets
€550k▲ 50.0%
Equity and liabilities €1.77M
Equity
€490k▲ 35.5%
Provisions
€23k
Debt
€1.25M▲ 854%
The debt ratio rises from 26.6% to 70.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€390k▲
2024 · €166k
Cash flow
€271k▲
2024 · €125k
Solvency
27.8%▼
2024 · 73.4%
Current ratio
2.25▼
2024 · 2.79
Quick ratio
2.25▼
2024 · 2.79
Debt / equity
2.55▲
2024 · 0.36
ROE
52.2%▲
2024 · 28.8%
ROA
14.5%▼
2024 · 21.2%
Interest coverage
31.57▼
2024 · 154.51
Debt
€1.25M▲
2024 · €131k
Debt ≤ 1 year
€245k▲
2024 · €131k
Debt > 1 year
€1.01M
Income taxes
€85k▲
2024 · €44k
Staff costs
€29k▲
2024 · €9k
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€493k€1.77M▲
Fixed assets21/28€127k€1.22M▲
Tangible fixed assets22/27€126k€1.22M▲
Land and buildings22€103k€1.20M▲
Plant, machinery and equipment23€21k€11k▼
Furniture and vehicles24€3k€3k▲
Financial fixed assets28€150€150=
Current assets29/58€366k€550k▲
Amounts receivable within one year40/41€163k€316k▲
Trade receivables40€81k€155k▲
Other amounts receivable41€83k€161k▲
Current investments50/53€15k€19k▲
Cash at bank and in hand54/58€188k€212k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€493k€1.77M▲
Equity10/15€362k€490k▲
Contributions10/11€12k€12k=
Reserves13€336k€465k▲
Tax-exempt reserves132-€70k
Distributable reserves133€336k€395k▲
Profit (loss) carried forward14€13k€13k▲
Provisions and deferred taxes16-€23k
Deferred taxes168-€23k
Amounts payable17/49€131k€1.25M▲
Amounts payable after more than one year17-€1.01M
Financial debts170/4-€1.01M
Amounts payable within one year42/48€131k€245k▲
Current portion of amounts payable after more than one year42€11k-
Trade debts44€23k€173k▲
Suppliers440/4€23k€173k▲
Taxes, remuneration and social security45€77k€64k▼
Taxes450/3€75k€60k▼
Remuneration and social security454/9€2k€5k▲
Other amounts payable47/48€21k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€9k€29k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€15k▼
Other operating charges640/8€6k€52k▲
Gross operating margin9900€181k€471k▲
Operating profit (loss)9901€145k€375k▲
Financial income75/76B€5k€682▼
Recurring financial income75€5k€682▼
Financial charges65/66B€1k€12k▲
Recurring financial charges65€1k€12k▲
Profit (loss) for the period before taxes9903€149k€364k▲
Transfer to deferred taxes680-€23k
Income taxes67/77€44k€85k▲
Profit (loss) for the period9904€104k€256k▲
Transfer to tax-exempt reserves689-€70k
Profit (loss) for the period to be appropriated9905€104k€186k▲
Appropriation of the result
Profit (loss) to be appropriated9906€176k€199k▲
Profit (loss) brought forward from the previous period14P€72k€13k▼
Transfer from equity791/2€50k€127k▲
Transfer to equity691/2€103k€186k▲
To other reserves6921€103k€186k▲
Profit to be distributed694/7€110k€127k▲
Return on contributions (dividend)694€110k€127k▲
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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Highest result since 2018net €256k ▲145%
Operating result €375k, net result €256k, both a record.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €31k ▼18.1%
Net result drops to €31k, the lowest in the series; recovery starts the following year.
10-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 41 days late
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Watermaal-Bosvoorde · 1 establishment unit since 2009
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.
Kolonialelaan 351170 Watermaal-BosvoordeGround area
464 m²
Building footprint
82 m²
Volume, LiDAR
680 m³
Parcel 21017D0373/00G005, Brussels · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kolonialelaan 35, 1170 Watermaal-Bosvoorde
since 20092.182.907.103
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0373/00G005 | Brussels | 464 m² | 1 · 82 m² | 10.6 m · 3 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
Legal Entity Identifier
894500TCJV3EPWAPV569
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CONSTANTIJN
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BART JACQMAIN
BE 0474.872.606
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STEPHANE MARTIN
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MEUWISSEN & C° ADVOCATEN
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Antwerpen · Eq €489k
Of 22,049 companies in sector 69101 we hold annual accounts for 9,048. 5,922 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-11-2009
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:l.de.block@avocat.be
Phone:0477/935547