LYSINVEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.62M and a net result of €-49k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 35% of 2394 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
28 d early
2023
37 d early
2022
45 d early
2021
38 d early
2020
45 d early
2019
33 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€1.62M▼ 2.9%
2024 · €1.66M
2018: €949k
2019: €1.04M
2020: €1.17M
2021: €1.27M
2022: €1.34M
2023: €1.52M
2024: €1.66M
2018 → 2025
Net result
€-49k
2024 · €146k
2018: €-240k
2019: €334k
2020: €468k
2021: €100k
2022: €73k
2023: €524k
2024: €146k
2018 → 2025
Total assets
€3.76M▲ 0.1%
2024 · €3.76M
2018: €3.30M
2019: €3.58M
2020: €2.52M
2021: €3.49M
2022: €3.50M
2023: €3.74M
2024: €3.76M
2018 → 2025
Solvency
43.0%▼ 1.4pp
2024 · 44.3%
2018: 28.7%
2019: 29.2%
2020: 46.2%
2021: 36.4%
2022: 38.2%
2023: 40.6%
2024: 44.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€157k-€207k▲ 31.8%€0▼ 100%€200k€0▼ 100%
Equity€1.27M-€1.34M▲ 5.8%€1.52M▲ 13.3%€1.66M▲ 9.6%€1.62M▼ 2.9%
Operating result€74k-€9k▼ 87.5%€-109k€112k€-88k
Net result€100k-€73k▼ 26.7%€524k▲ 615%€146k▼ 72.1%€-49k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €88k after €112k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.76M
Fixed assets
€3.43M=
Current assets
€326k▲ 1.6%
Equity and liabilities €3.76M
Equity
€1.62M▼ 2.9%
Debt
€2.14M▲ 2.6%
The debt ratio rises from 55.7% to 57.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
43.0%▼
2024 · 44.3%
ROE
-3.0%▼
2024 · 8.8%
ROA
-1.3%▼
2024 · 3.9%
Debt
€2.14M▲
2024 · €2.09M
Debt ≤ 1 year
€1.85M▲
2024 · €1.58M
Debt > 1 year
€223k▼
2024 · €439k
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€3.76M€3.76M▲
Fixed assets21/28€3.43M€3.43M=
Financial fixed assets28€3.43M€3.43M=
Affiliated companies280/1€2.00M€2.00M=
Participating interests280€2.00M€2.00M=
Companies linked by participating interests282/3€1.43M€1.43M=
Participating interests282€1.43M€1.43M=
Current assets29/58€321k€326k▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€283k€297k▲
Other amounts receivable41€283k€297k▲
Cash at bank and in hand54/58€24k€17k▼
Deferred charges and accrued income490/1€14k€12k▼
Equity and liabilities
Total equity and liabilities10/49€3.76M€3.76M▲
Equity10/15€1.66M€1.62M▼
Contributions10/11€125k€125k=
Capital10€125k€125k=
Issued capital100€125k€125k=
Reserves13€1.54M€1.49M▼
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Distributable reserves133€1.53M€1.48M▼
Profit (loss) carried forward14€2k€0▼
Amounts payable17/49€2.09M€2.14M▲
Amounts payable after more than one year17€439k€223k▼
Financial debts170/4€439k€223k▼
Credit institutions173€439k€223k▼
Amounts payable within one year42/48€1.58M€1.85M▲
Current portion of amounts payable after more than one year42€211k€217k▲
Trade debts44€26k€25k▼
Suppliers440/4€26k€25k▼
Other amounts payable47/48€1.34M€1.61M▲
Accrued charges and deferred income492/3€76k€71k▼
Income statement
Code20242025
Operating income70/76A€200k€0▼
Turnover70€200k€0▼
Operating charges60/66A€88k€88k▼
Services and other goods61€86k€86k▼
Other operating charges640/8€1k€1k▲
Operating profit (loss)9901€112k€-88k▼
Financial income75/76B€119k€117k▼
Recurring financial income75€119k€117k▼
Income from financial fixed assets750€105k€105k=
Income from current assets751€14k€12k▼
Financial charges65/66B€85k€78k▼
Recurring financial charges65€85k€78k▼
Debt charges650€85k€78k▼
Other financial charges652/9€381€353▼
Profit (loss) for the period before taxes9903€146k€-49k▼
Profit (loss) for the period9904€146k€-49k▼
Profit (loss) for the period to be appropriated9905€146k€-49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€147k€-47k▼
Profit (loss) brought forward from the previous period14P€1k€2k▲
Transfer from equity791/2€0€47k▲
From reserves792€0€47k▲
Transfer to equity691/2€145k€0▼
To other reserves6921€145k€0▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (28 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €524k ▲615%
Net result €524k, the highest in the series.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 33 days late
2019
31-12
Financial
Back to profitnet €334k
Net result €334k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.04M ▲10%
Equity rises from €949k to €1.04M.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Waregem · 1 establishment unit since 2007
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.
Emiel Clausstraat 238793 WaregemGround area
1.5 ha
Building footprint
484 m²
Volume, LiDAR
3,277 m³
Parcel 34035A0042/00W000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LYSINVEST
since 20072.163.709.912
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34035A0042/00W000 | Flanders | 1.5 ha | 1 · 484 m² | 7.5 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 11,537 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-06-2007
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.