Petit Lardier is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €164k and a net result of €65k. Its solvency ranks better than 20% of 97 sector peers (fiscal year 2026). The company has been active since 2024 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 09-07-2026, 206 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2026
206 d early
2025
134 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-06-2027 close31-01-2028 deadline
Financials · fiscal year 2026, micro schema
Equity
€164k▲ 64.6%
2025 · €100k
2025: €100k
2025 → 2026
Net result
€65k▲ 90.1%
2025 · €34k
2025: €34k
2025 → 2026
Total assets
€833k▲ 600%
2025 · €119k
2025: €119k
2025 → 2026
Solvency
19.8%▼ 64.2pp
2025 · 84.0%
2025: 84.0%
2025 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20252026Trend
Equity€100k-€164k▲ 64.6%
Operating result€43k-€105k▲ 143%
Net result€34k-€65k▲ 90.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2026; 2026 is 143% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €833k
Fixed assets
€800k▲ 14,636%
Current assets
€33k▼ 70.9%
Equity and liabilities €833k
Equity
€164k▲ 64.6%
Debt
€668k▲ 3,406%
The debt ratio rises from 16.0% to 80.2%. Equity and debt are higher.
Key figures and ratios
Solvency
19.8%▼
2025 · 84.0%
ROE
39.2%▲
2025 · 34.0%
ROA
7.7%▼
2025 · 28.5%
Debt
€668k▲
2025 · €19k
Debt ≤ 1 year
€141k▲
2025 · €19k
Debt > 1 year
€527k
Income taxes
€22k▲
2025 · €9k
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€119k€833k▲
Fixed assets21/28€5k€800k▲
Intangible fixed assets21€592€426▼
Tangible fixed assets22/27€5k€79k▲
Plant, machinery and equipment23€5k€6k▲
Leasing and similar rights25-€73k
Financial fixed assets28-€720k
Current assets29/58€114k€33k▼
Amounts receivable within one year40/41-€21k
Trade receivables40-€21k
Current investments50/53€114k€12k▼
Equity and liabilities
Total equity and liabilities10/49€119k€833k▲
Equity10/15€100k€164k▲
Contributions10/11€66k€66k=
Reserves13€34k€98k▲
Distributable reserves133€34k€98k▲
Amounts payable17/49€19k€668k▲
Amounts payable after more than one year17-€527k
Financial debts170/4-€527k
Amounts payable within one year42/48€19k€141k▲
Current portion of amounts payable after more than one year42-€96k
Trade debts44€118€4k▲
Suppliers440/4€118€4k▲
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45€16k€34k▲
Taxes450/3€16k€31k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48-€8k
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€18k▲
Other operating charges640/8€387€571▲
Gross operating margin9900€45k€123k▲
Operating profit (loss)9901€43k€105k▲
Financial income75/76B€125€109▼
Recurring financial income75€125€109▼
Financial charges65/66B€271€18k▲
Recurring financial charges65€271€18k▲
Profit (loss) for the period before taxes9903€43k€87k▲
Income taxes67/77€9k€22k▲
Profit (loss) for the period9904€34k€65k▲
Profit (loss) for the period to be appropriated9905€34k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€65k▲
Transfer to equity691/2€34k€65k▲
To other reserves6921€34k€65k▲
The notes to these accounts (12 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
09-07
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
30-06
Financial
Equity above €150kEq €164k ▲64.6%
2 profitable years in a row build equity to €164k.
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2025 · 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, Roeselare · 1 establishment unit since 2024
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.
Prins Albertstraat 1088800 RoeselareGround area
437 m²
Building footprint
157 m²
Volume, LiDAR
679 m³
Parcel 36015A0995/00W000, Flanders · tallest building 9.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Petit Lardier
since 20242.354.847.818
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36015A0995/00W000 | Flanders | 437 m² | 1 · 157 m² | 9.3 m · 1 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,364 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2024
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.