LVLM RETAIL
ActiveLVLM RETAIL has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show negative equity (€-235k) and a net result of €-105k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 123 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2026
15
/ 100
Critical▲ +8 vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability100=
Solvency40▼-2
Growth32=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.82 against 0.9 in 2025), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
-37.1%
Return on assets
-16.7%
Age of the figures
7 mo
raises risk · Negative equity
Equity is negative for financial year 2026: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2026Equity per financial year
1920212223242526
2019 to 2026 · latest year -€235k
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 14-08-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
17 d early
2025
5 d early
2024
2 d early
2023
31 d early
2022
27 d early
2021
19 d early
2020
36 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-105k▲ 35.3%
2025 · €-163k
2019: €-48k
2020: €-33k
2021: €200k
2022: €-13k
2023: €-53k
2024: €12k
2025: €-163k
2019 → 2026
Working capital
€-137k▼ 92.5%
2025 · €-71k
2019: €76k
2020: €-49k
2021: €141k
2022: €-8k
2023: €-127k
2024: €-73k
2025: €-71k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€75k-€21k▼ 71.4%€34k▲ 57.3%€-129k€-235k▼ 81.5%
Operating result€-796-€-39k▼ 4,785%€4k€-152k€-103k▲ 32.6%
Net result€-13k-€-53k▼ 317%€12k€-163k€-105k▲ 35.3%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €103k in 2026 against €152k in 2025; the loss shrinks.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €633k
Fixed assets
€27k▼ 59.4%
Current assets
€606k▼ 4.8%
Key figures and ratios
EBITDA
€-63k▲
2025 · €-109k
Cash flow
€-66k▲
2025 · €-120k
Solvency
-37.1%▼
2025 · -18.4%
Current ratio
0.82▼
2025 · 0.90
Quick ratio
0.15▲
2025 · 0.13
Debt / equity
-3.70▲
2025 · -6.44
ROE
44.9%▼
2025 · 126.0%
ROA
-16.7%▲
2025 · -23.2%
Interest coverage
-22.44▼
2025 · -10.26
Debt
€868k▲
2025 · €833k
Debt ≤ 1 year
€742k▲
2025 · €707k
Debt > 1 year
€125k=
2025 · €125k
Income taxes
€141▲
2025 · €140
Staff costs
€230k▼
2025 · €260k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€703k€633k▼
Fixed assets21/28€67k€27k▼
Intangible fixed assets21€28k-
Tangible fixed assets22/27€40k€27k▼
Land and buildings22€28k€23k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€7k€1k▼
Current assets29/58€636k€606k▼
Stocks and contracts in progress3€543k€491k▼
Stocks30/36€543k€491k▼
Amounts receivable within one year40/41€73k€78k▲
Trade receivables40€68k€73k▲
Other amounts receivable41€5k€5k=
Current investments50/53€1€3k▲
Cash at bank and in hand54/58€18k€31k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€703k€633k▼
Equity10/15€-129k€-235k▼
Contributions10/11€50k€50k=
Outside capital11€50k€50k=
Share premium1100/10€50k€50k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€-183k€-288k▼
Amounts payable17/49€833k€868k▲
Amounts payable after more than one year17€125k€125k=
Financial debts170/4€125k€125k=
Amounts payable within one year42/48€707k€742k▲
Current portion of amounts payable after more than one year42€48k€4k▼
Trade debts44€425k€493k▲
Suppliers440/4€425k€493k▲
Taxes, remuneration and social security45€37k€19k▼
Taxes450/3€8k€11k▲
Remuneration and social security454/9€29k€8k▼
Other amounts payable47/48€197k€227k▲
Income statement
Code20252026
Remuneration, social security and pensions62€260k€230k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€40k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€14k€10k▼
Other operating charges640/8€10k-
Gross operating margin9900€175k€177k▲
Operating profit (loss)9901€-152k€-103k▲
Financial income75/76B-€10
Recurring financial income75-€10
Financial charges65/66B€11k€3k▼
Recurring financial charges65€11k€3k▼
Profit (loss) for the period before taxes9903€-163k€-105k▲
Income taxes67/77€140€141▲
Profit (loss) for the period9904€-163k€-105k▲
Profit (loss) for the period to be appropriated9905€-163k€-105k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-183k€-288k▼
Profit (loss) brought forward from the previous period14P€-20k€-183k▼
Social balance
Average headcount (FTE)90878.58.8▲
The notes to these accounts (9 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 2027, expected by
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-01
Financial
Weakest financial yearnet €-163k ▼1429%
Net result drops to €-163k, the lowest in the series; recovery starts the following year.
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-01
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-01
Financial
Back to profitnet €200k
Net result €200k after 2 loss-making years.
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 36 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
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, Lasne · 1 establishment unit since 2016
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.
Chemin des Baraques 381380 LasneGround area
8,908 m²
Building footprint
2,136 m²
Volume, LiDAR
12,984 m³
2 parcels, Wallonia · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LVLM RETAIL
since 20162.251.369.802
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61061A0350/00D003 | Wallonia | 4,524 m² | 1 · 1,949 m² | 11.6 m · 2 fl. |
| 25076F0623/00B000 | Wallonia | 4,383 m² | 1 · 187 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHuy2.251.369.802
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Of 1,722 companies in sector 47521 we hold annual accounts for 1,289. 568 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2016
Fiscal year end31-01
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
47525Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.