LV Patrimo

Active

Private limited companyfounded 2020active for 6 yearsHertstraat 43, 3080 Tervuren, BelgiumKBO/BCE: BE 0752.969.329

Summary

The computed 12-month bankruptcy probability of LV Patrimo is 3.8% (moderate). The 2025 annual accounts show equity of €37,257 and a net result of -€3,016. Equity is shrinking by about 6.9% per year across the filed financial years. Its solvency ranks better than 21% of 2,787 sector peers (NACE 41, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

LV PatrimoActiveChecked score 47/100

Risk analysis Report Compare

Activity

General construction of other non-residential buildings

NACE 41003

1 site

Size

€294,139total assets 2025

Equity: €37,257
Loss: -€3,016

Turnover not published (abbreviated or micro format)

Financial health

47 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 3.8%

Structure

2025 accounts on time1 deed in the Belgian Official Gazette

Why 47raises riskSector: Construction of residential and non-residential buildings (NACE 41)Founded in 2020Liquidity: current ratio 1.15, cash €999Equity €37,257 (12.7% of total assets)Show the evidence

Checked score

Score 2025

47 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 18% of its sector peers (NACE 41, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 38-1

equity 12.7% of total assets

Liquidity 2-1

short-term debt 87.3% · cash 0.3%

Profitability 35=

return on assets -1.0%

Bankruptcy probability, 12 months

3.8% Moderate

0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,448 companies, NACE 41, micro)

Last 24 months 11-2024: 4.3% 12-2024: 4.3%● unchanged vs 11-2024 01-2025: 4.3%● unchanged vs 12-2024 02-2025: 4.5%▲ +0.2 percentage points vs 01-2025 03-2025: 4.5%● unchanged vs 02-2025 04-2025: 4.5%● unchanged vs 03-2025 05-2025: 4.6%▲ +0.1 percentage points vs 04-2025highest value 06-2025: 4.5%▼ -0.1 percentage points vs 05-2025 07-2025: 4.6%▲ +0.1 percentage points vs 06-2025 08-2025: 4.1%▼ -0.5 percentage points vs 07-2025 09-2025: 4.1%● unchanged vs 08-2025 10-2025: 4.1%● unchanged vs 09-2025 11-2025: 3.9%▼ -0.2 percentage points vs 10-2025 12-2025: 3.7%▼ -0.2 percentage points vs 11-2025 01-2026: 3.7%● unchanged vs 12-2025 02-2026: 3.7%● unchanged vs 01-2026 03-2026: 3.8%▲ +0.1 percentage points vs 02-2026 04-2026: 3.7%▼ -0.1 percentage points vs 03-2026 05-2026: 3.7%● unchanged vs 04-2026 06-2026: 3.5%▼ -0.2 percentage points vs 05-2026lowest value 07-2026: 3.7%▲ +0.2 percentage points vs 06-2026 08-2026: 3.8%▲ +0.1 percentage points vs 07-2026 09-2026: 3.8%● unchanged vs 08-2026 10-2026: 3.8%● unchanged vs 09-2026

Credit of up to €1,500 on 30-day terms is acceptable

Liquidity tight (current ratio 1.15, compared with 1.16 in 2024, below the usual 1.5; short-term debt: 87.3% and cash: 0.3% of total assets), and 87.3% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 20% on solvency, 4% on liquidity, 21% on profitability and 27% on growth.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.

raises riskneutral

Sector: Construction of residential and non-residential buildings (NACE 41)

KBO

Founded in 2020

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 1.15, cash €999

NBB · annual accounts

Equity €37,257 (12.7% of total assets)

NBB · annual accounts

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

2122232425

2021 to 2025 · latest year -€3,016

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 2787 sector peers (2025).

NBB · sector comparison

Position among 2787 sector peers

Solvency

better than 21%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

on the day

2024

8 days early

2023

on the day

2022

30 days late

2021

18 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 8 days after the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

31-07-2026 Annual accounts filedfinancial year 2025 · abbreviated…
31-12-2025 Weakest financial yearnet -€3,016
23-07-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Risk: 3 loss-making years in a rowloss financial year 2025 -€3,016 View
Total assets 20255 financial years filed €294,139 View
Active since 2020founded 26-08-2020 6 years View

By topic

Financials

Financial year: 2025
Total assets: €294,139
Loss: -€3,016
Solvency: 12.7%

Total assets=

Net result

20212025

Go to Financials

Timeline

Events: 7
Since: 2022
Next accounts: by 31-07-2027

31-07-2024Annual accounts filed
30-08-2023Annual accounts filed
31-12-2022Highest result from 2021 to 2025

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: General construction of other non-residential buildingsNACE 41003
Founded: 26-08-2020
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about LV Patrimo

What is the company number of LV Patrimo?: 0752.969.329. In Belgium the VAT number is the company number with BE in front: BE 0752.969.329.
Where is LV Patrimo based?: The registered office is at Hertstraat 43, 3080 Tervuren.Company details
What does LV Patrimo do?: According to the KBO register, the main activity is general construction of other non-residential buildings (NACE 41003).
What is the legal form of LV Patrimo?: Private limited company (BV).
When was LV Patrimo founded?: On 26-08-2020.
Is LV Patrimo still active?: Yes, LV Patrimo is an active enterprise in the KBO register.
What is the turnover of LV Patrimo?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is LV Patrimo profitable?: In financial year 2025, LV Patrimo made a loss of €3,016.
Where can I find the annual accounts of LV Patrimo?: LV Patrimo filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of LV Patrimo due?: By 31-07-2027, for financial year 2026.Timeline