LX Finance
ActiveSummary
LX Finance has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €89k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.73 against 5.01 in 2024; short-term debt: 13.6% and cash: 22% of total assets), and 13.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 2025Solvency, return and age of the figures
Solvency
86.4%
Return on assets
85.2%
Age of the figures
9 mo
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 14-04-2026, 108 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
108 d early
2024
35 d early
2023
23 d early
2022
22 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▼ 73.8%
2024 · €346k
2022: €149k
2023: €241k
2024: €346k
2022 → 2025
Total assets
€105k▼ 74.8%
2024 · €417k
2022: €210k
2023: €328k
2024: €417k
2022 → 2025
Net result
€89k▼ 15.1%
2024 · €105k
2022: €150k
2023: €93k
2024: €105k
2022 → 2025
Working capital
€39k▼ 86.3%
2024 · €284k
2022: €145k
2023: €161k
2024: €284k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€149k-€241k▲ 61.4%€346k▲ 43.7%€91k▼ 73.8%
Operating result€197k-€119k▼ 39.6%€131k▲ 10.4%€111k▼ 15.3%
Net result€150k-€93k▼ 37.8%€105k▲ 12.8%€89k▼ 15.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€52k ▼ 16.5%
Current assets
€53k ▼ 85.0%
Equity and liabilities €105k
Equity
€91k ▼ 73.8%
Debt
€14k ▼ 79.9%
Debt's share of the balance-sheet total falls from 17.0% to 13.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€131k▼
2024 · €150k
Cash flow
€109k▼
2024 · €124k
Current ratio
3.73▼
2024 · 5.01
Debt to equity
0.16▼
2024 · 0.20
ROE
98.6%▲
2024 · 30.4%
ROA
85.2%▲
2024 · 25.2%
Interest coverage
1382.96▼
2024 · 2965.99
Debt ≤ 1 year
€14k▼
2024 · €71k
Income taxes
€26k▼
2024 · €31k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€417k€105k▼
Fixed assets21/28€62k€52k▼
Tangible fixed assets22/27€62k€52k▼
Plant, machinery and equipment23-€8k
Furniture and vehicles24€62k€44k▼
Current assets29/58€355k€53k▼
Amounts receivable within one year40/41€1k-
Trade receivables40€1k-
Current investments50/53€278k-
Cash at bank and in hand54/58€30k€23k▼
Deferred charges and accrued income490/1€46k€30k▼
Equity and liabilities
Total equity and liabilities10/49€417k€105k▼
Equity10/15€346k€91k▼
Contributions10/11€120€120=
Reserves13€346k€91k▼
Distributable reserves133€346k€91k▼
Amounts payable17/49€71k€14k▼
Amounts payable within one year42/48€71k€14k▼
Trade debts44€2k€197▼
Suppliers440/4€2k€197▼
Taxes, remuneration and social security45€67k€14k▼
Taxes450/3€67k€12k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€2k€221▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€20k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€151k€132k▼
Operating profit (loss)9901€131k€111k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€51€95▲
Recurring financial charges65€51€95▲
Profit (loss) for the period before taxes9903€136k€115k▼
Income taxes67/77€31k€26k▼
Profit (loss) for the period9904€105k€89k▼
Profit (loss) for the period to be appropriated9905€105k€89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€89k▼
Transfer from equity791/2-€345k
Transfer to equity691/2€105k€89k▼
To other reserves6921€105k€89k▼
Profit to be distributed694/7-€345k
Return on contributions (dividend)694-€345k
The notes to these accounts (5 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
14-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €89k ▼15.1%
Net result drops to €89k, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €241k ▲61.4%
2 profitable years in a row build equity to €241k.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 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, Aartselaar · 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.
Kleistraat 1182630 AartselaarGround area
1,090 m²
Building footprint
201 m²
Volume, LiDAR
1,389 m³
Parcel 11001C0133/00T000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LX Finance
since 20222.327.400.479
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001C0133/00T000 | Flanders | 1,090 m² | 1 · 201 m² | 10.7 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
Leporium
BE 1028.691.730
Knokke-Heist · Eq €90,732
Delicada
BE 0792.480.496
Landen · Eq €90,778
MMT HOLDING
BE 1003.500.236
Izegem · Eq €90,845
PACE
BE 0786.384.542
Schelle · Eq €90,590
IanM
BE 0838.893.216
Hoogstraten · Eq €90,907
Of 5,699 companies in sector 70100 we hold annual accounts for 3,494. 2,254 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.