LVER
ActiveLVER has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €183k and a net result of €108k. Equity is growing by ~112.9% per year across the filed fiscal years. Its solvency ranks better than 72% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
100
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+3
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 3.82 against 1.91 in 2023), and 22.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
77.3%
Return on assets
45.6%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
155 d late
2022
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€183k▲ 144%
2023 · €75k
2022: €13k
2023: €75k
2022 → 2024
Total assets
€237k▲ 98.9%
2023 · €119k
2022: €24k
2023: €119k
2022 → 2024
Net result
€108k▲ 74.7%
2023 · €62k
2022: €11k
2023: €62k
2022 → 2024
Working capital
€151k▲ 308%
2023 · €37k
2022: €13k
2023: €37k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€13k-€75k▲ 461%€183k▲ 144%
Operating result€15k-€76k▲ 411%€132k▲ 72.8%
Net result€11k-€62k▲ 468%€108k▲ 74.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 73% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €237k
Fixed assets
€31k▼ 23.0%
Current assets
€205k▲ 163%
Equity and liabilities €237k
Equity
€183k▲ 144%
Debt
€54k▲ 22.5%
The debt ratio falls from 36.9% to 22.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€141k▲
2023 · €81k
Cash flow
€117k▲
2023 · €66k
Solvency
77.3%▲
2023 · 63.1%
Current ratio
3.82▲
2023 · 1.91
Quick ratio
3.82▲
2023 · 1.91
Debt / equity
0.29▼
2023 · 0.58
ROE
58.9%▼
2023 · 82.2%
ROA
45.6%▼
2023 · 51.9%
Interest coverage
170.77▼
2023 · 657.20
Debt
€54k▲
2023 · €44k
Debt ≤ 1 year
€54k▲
2023 · €41k
Income taxes
€30k▲
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€119k€237k▲
Fixed assets21/28€41k€31k▼
Tangible fixed assets22/27€41k€31k▼
Furniture and vehicles24€41k€31k▼
Current assets29/58€78k€205k▲
Amounts receivable within one year40/41€38k€204k▲
Trade receivables40€10k€23k▲
Other amounts receivable41€28k€181k▲
Cash at bank and in hand54/58€40k€0▼
Deferred charges and accrued income490/1€805€950▲
Equity and liabilities
Total equity and liabilities10/49€119k€237k▲
Equity10/15€75k€183k▲
Contributions10/11€3k€3k=
Reserves13€73k€180k▲
Distributable reserves133€73k€180k▲
Amounts payable17/49€44k€54k▲
Amounts payable within one year42/48€41k€54k▲
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44-€415
Suppliers440/4-€415
Taxes, remuneration and social security45€41k€52k▲
Taxes450/3€32k€52k▲
Remuneration and social security454/9€9k€0▼
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€9k▲
Other operating charges640/8€272€648▲
Gross operating margin9900€81k€142k▲
Operating profit (loss)9901€76k€132k▲
Financial income75/76B€916€6k▲
Recurring financial income75€916€6k▲
Financial charges65/66B€123€828▲
Recurring financial charges65€123€828▲
Profit (loss) for the period before taxes9903€77k€138k▲
Income taxes67/77€16k€30k▲
Profit (loss) for the period9904€62k€108k▲
Profit (loss) for the period to be appropriated9905€62k€108k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€108k▲
Transfer to equity691/2€62k€108k▲
To other reserves6921€62k€108k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 155 days late
2024
31-12
Financial
Highest result since 2022net €108k ▲74.7%
Operating result €132k, net result €108k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.82
Current ratio from 1.91 to 3.82.
31-12
Financial
Equity above €150kEq €183k ▲144%
3 profitable years in a row build equity to €183k.
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
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, Sint-Niklaas · 1 establishment unit since 2022
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.
Hoogstraat 1819100 Sint-NiklaasGround area
1,602 m²
Building footprint
128 m²
Volume, LiDAR
902 m³
Parcel 46021A0072/00C000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LVER
since 20222.337.600.822
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46021A0072/00C000 | Flanders | 1,602 m² | 1 · 127 m² | 11.0 m · 2 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.
Similar companies · same sector, comparable size
QUALEAN
BE 0770.805.550
Eghezée · Eq €183k
RED ORIGIN
BE 0745.550.215
Beyne-Heusay · Eq €183k
BORDON
BE 0713.913.763
Gent · Eq €183k
TVV Consultancy
BE 0763.647.544
Denderleeuw · Eq €183k
Orphée consulting
BE 1001.152.836
Bilzen-Hoeselt · Eq €183k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 40,448 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64999Other financial services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
69202Legal and accounting activities
69209Other tax advisory services
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.