LZ INVEST
ActiveSummary
LZ INVEST has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €-7k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100▲+1
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 6.45 against 3.86 in 2024; short-term debt: 15.4% and cash: 98.4% of total assets), and 15.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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 2025Solvency, return and age of the figures
Solvency
84.6%
Return on assets
-20.6%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
16 d early
2024
31 d late
2023
6 d early
← 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
€29k▼ 19.6%
2024 · €36k
2023: €18k
2024: €36k
2023 → 2025
Total assets
€34k▼ 29.4%
2024 · €48k
2023: €29k
2024: €48k
2023 → 2025
Net result
€-7k
2024 · €18k
2023: €16k
2024: €18k
2023 → 2025
Working capital
€29k▼ 19.4%
2024 · €36k
2023: €18k
2024: €36k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€18k-€36k▲ 97.3%€29k▼ 19.6%
Operating result€22k-€25k▲ 11.3%€-7k
Net result€16k-€18k▲ 12.7%€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €25k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€204 ▼ 35.5%
Current assets
€34k ▼ 29.3%
Equity and liabilities €34k
Equity
€29k ▼ 19.6%
Debt
€5k ▼ 57.7%
Debt's share of the balance-sheet total falls from 25.7% to 15.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-6k▼
2024 · €25k
Cash flow
€-7k▼
2024 · €18k
Current ratio
6.45▲
2024 · 3.86
Debt to equity
0.18▼
2024 · 0.35
ROE
-24.3%▼
2024 · 49.3%
ROA
-20.6%▼
2024 · 36.6%
Interest coverage
-15.61▼
2024 · 14.49
Debt ≤ 1 year
€5k▼
2024 · €12k
Income taxes
€14▼
2024 · €5k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€48k€34k▼
Fixed assets21/28€317€204▼
Tangible fixed assets22/27€317€204▼
Furniture and vehicles24€317€204▼
Current assets29/58€48k€34k▼
Amounts receivable within one year40/41€3k€345▼
Trade receivables40€3k€36▼
Other amounts receivable41€69€308▲
Cash at bank and in hand54/58€45k€34k▼
Equity and liabilities
Total equity and liabilities10/49€48k€34k▼
Equity10/15€36k€29k▼
Contributions10/11€3k€3k=
Reserves13€33k€26k▼
Distributable reserves133€33k€26k▼
Amounts payable17/49€12k€5k▼
Amounts payable within one year42/48€12k€5k▼
Trade debts44€91-
Suppliers440/4€91-
Taxes, remuneration and social security45€12k€5k▼
Taxes450/3€12k€5k▼
Other amounts payable47/48€125€108▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21€112▲
Other operating charges640/8€361€712▲
Non-recurring operating charges66A-€4k
Gross operating margin9900€25k€-2k▼
Operating profit (loss)9901€25k€-7k▼
Financial charges65/66B€2k€416▼
Recurring financial charges65€2k€416▼
Profit (loss) for the period before taxes9903€23k€-7k▼
Income taxes67/77€5k€14▼
Profit (loss) for the period9904€18k€-7k▼
Profit (loss) for the period to be appropriated9905€18k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€-7k▼
Transfer from equity791/2-€7k
Transfer to equity691/2€18k-
To other reserves6921€18k-
The notes to these accounts (6 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-7k ▼140%
Net result drops to €-7k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2023net €18k ▲12.7%
Operating result €25k, net result €18k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro 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, Heusden-Zolder · 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.
Industrieweg 153550 Heusden-ZolderGround area
1.7 ha
Building footprint
1,213 m²
Volume, LiDAR
6,894 m³
Parcel 71462E0741/00K000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LZ INVEST
since 20222.338.548.848
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71462E0741/00K000 | Flanders | 1.7 ha | 1 · 1,213 m² | 7.0 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 54 EUR awarded · 54 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 54 EUR | 54 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 6,345 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
Founded01-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.