SA & LAA
ActiveThe computed 12-month bankruptcy probability of SA & LAA is 1.9% (moderate). The 2025 annual accounts show equity of €1k and a net result of €176k. Equity is shrinking by ~53.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 14% of 7027 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency25▼-17
Growth58=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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 · 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
0.4%
Return on assets
69.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7027 sector peers (2025).
NBB · sector comparisonPosition among 7027 sector peers
Solvency
better than 14%
← weakest
strongest →
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 30-03-2026, 123 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
123 d early
2024
65 d early
2023
113 d early
2022
168 d early
2021
31 d late
2020
66 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 97.2%
2024 · €35k
2020: €91k
2021: €186k
2022: €1k
2023: €32k
2024: €35k
2020 → 2025
Total assets
€252k▲ 21.1%
2024 · €208k
2020: €126k
2021: €251k
2022: €355k
2023: €190k
2024: €208k
2020 → 2025
Net result
€176k▲ 18.5%
2024 · €149k
2020: €90k
2021: €95k
2022: €100k
2023: €131k
2024: €149k
2020 → 2025
Working capital
€725▼ 97.9%
2024 · €35k
2020: €91k
2021: €186k
2022: €-187
2023: €31k
2024: €35k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€186k-€1k▼ 99.5%€32k▲ 3,077%€35k▲ 11.3%€1k▼ 97.2%
Operating result€120k-€127k▲ 6.2%€169k▲ 32.6%€198k▲ 17.7%€249k▲ 25.4%
Net result€95k-€100k▲ 5.6%€131k▲ 30.6%€149k▲ 13.6%€176k▲ 18.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 25% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €252k
Fixed assets
€275▲ 28.2%
Current assets
€252k▲ 21.0%
Equity and liabilities €252k
Equity
€1k▼ 97.2%
Debt
€251k▲ 45.2%
The debt ratio rises from 83.0% to 99.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€249k▲
2024 · €199k
Cash flow
€176k▲
2024 · €149k
Solvency
0.4%▼
2024 · 17.0%
Current ratio
1.00▼
2024 · 1.20
Quick ratio
1.00▼
2024 · 1.20
ROA
69.8%▼
2024 · 71.3%
Interest coverage
155.37▼
2024 · 1659.04
Debt
€251k▲
2024 · €173k
Debt ≤ 1 year
€251k▲
2024 · €173k
Income taxes
€71k▲
2024 · €50k
A ratio outside any meaningful range has been withheld (balance sheet total €252k, equity €1k).
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€208k€252k▲
Fixed assets21/28€214€275▲
Tangible fixed assets22/27€214€275▲
Furniture and vehicles24€214€275▲
Current assets29/58€208k€252k▲
Amounts receivable within one year40/41€4k€7k▲
Trade receivables40€0-
Other amounts receivable41€4k€7k▲
Cash at bank and in hand54/58€204k€241k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€208k€252k▲
Equity10/15€35k€1k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€34k€0▼
Amounts payable17/49€173k€251k▲
Amounts payable within one year42/48€173k€251k▲
Trade debts44€417€3k▲
Suppliers440/4€417€3k▲
Taxes, remuneration and social security45€25k€32k▲
Taxes450/3€25k€32k▲
Other amounts payable47/48€147k€216k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€486€269▼
Other operating charges640/8€437€465▲
Gross operating margin9900€199k€250k▲
Operating profit (loss)9901€198k€249k▲
Financial charges65/66B€120€2k▲
Recurring financial charges65€120€2k▲
Profit (loss) for the period before taxes9903€198k€247k▲
Income taxes67/77€50k€71k▲
Profit (loss) for the period9904€149k€176k▲
Profit (loss) for the period to be appropriated9905€149k€176k▲
Appropriation of the result
Profit (loss) to be appropriated9906€179k€210k▲
Profit (loss) brought forward from the previous period14P€31k€34k▲
Profit to be distributed694/7€145k€210k▲
Return on contributions (dividend)694€145k€210k▲
The notes to these accounts (11 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €176k ▲18.5%
Operating result €249k, net result €176k, both a record.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
03-04
State Gazette act
General meeting · Director reappointment
Mandate compensation · Director resignation
2024
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €150kEq €186k ▲104%
2 profitable years in a row build equity to €186k.
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-11
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2019
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.
Vervloesemstraat 1281200 Sint-Lambrechts-WoluweGround area
127 m²
Building footprint
66 m²
Volume, LiDAR
632 m³
Parcel 21672C0058/00Y003, Brussels · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SA & LAA SRL
since 20192.298.805.572
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21672C0058/00Y003 | Brussels | 127 m² | 1 · 66 m² | 12.8 m · 4 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.
Structure & network
Ownership & control
1 partySA & LAABE 0740.463.851
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 830 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2019
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
62010Computer programming, consultancy and related activities
62100Computer programming
70200Business and other management consultancy
70220Business consulting
82300Organisation of conventions and trade shows
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.