SELECT ADVICE LAUTENBERG
ActiveSELECT ADVICE LAUTENBERG has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €400k and a net result of €-57k. Equity is shrinking by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 9519 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency100=
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 31.16 against 2.14 in 2023), and 1.3% of the assets are financed with debt.
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
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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2024Solvency, return and age of the figures
Solvency
98.7%
Return on assets
-14.2%
Age of the figures
20 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
192021222324
2019 to 2024 · latest year -€57k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
82 d late
2022
7 d early
2021
57 d late
2020
150 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€400k▼ 12.5%
2023 · €457k
2019: €744k
2020: €744k
2021: €678k
2022: €569k
2023: €457k
2019 → 2024
Total assets
€405k▼ 27.3%
2023 · €557k
2019: €804k
2020: €792k
2021: €686k
2022: €591k
2023: €557k
2019 → 2024
Net result
€-57k▼ 116%
2023 · €-26k
2019: €-35k
2020: €-738
2021: €-66k
2022: €-59k
2023: €-26k
2019 → 2024
Working capital
€100k▼ 9.8%
2023 · €111k
2019: €208k
2020: €255k
2021: €234k
2022: €174k
2023: €111k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€744k-€678k▼ 8.9%€569k▼ 16.1%€457k▼ 19.6%€400k▼ 12.5%
Operating result€7k-€-61k€-68k▼ 11.6%€-30k▲ 56.3%€-58k▼ 94.2%
Net result€-738-€-66k▼ 8,844%€-59k▲ 11.1%€-26k▲ 54.9%€-57k▼ 116%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €58k in 2024 against €30k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €405k
Fixed assets
€302k▼ 13.6%
Current assets
€103k▼ 50.4%
Equity and liabilities €405k
Equity
€400k▼ 12.5%
Debt
€5k▼ 94.9%
The debt ratio falls from 17.9% to 1.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-9k▼
2023 · €19k
Cash flow
€-9k▼
2023 · €22k
Solvency
98.7%▲
2023 · 82.1%
Current ratio
31.16▲
2023 · 2.14
Quick ratio
31.16▲
2023 · 2.14
Debt / equity
0.01▼
2023 · 0.22
ROE
-14.3%▼
2023 · -5.8%
ROA
-14.2%▼
2023 · -4.8%
Interest coverage
-3.83▼
2023 · 146.98
Debt
€5k▼
2023 · €100k
Debt ≤ 1 year
€3k▼
2023 · €97k
Income taxes
€49▼
2023 · €380
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€557k€405k▼
Fixed assets21/28€349k€302k▼
Tangible fixed assets22/27€349k€302k▼
Land and buildings22€347k€299k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24-€911
Current assets29/58€208k€103k▼
Amounts receivable within one year40/41€117k€46k▼
Trade receivables40€41k€32k▼
Other amounts receivable41€76k€14k▼
Cash at bank and in hand54/58€69k€38k▼
Deferred charges and accrued income490/1€22k€20k▼
Equity and liabilities
Total equity and liabilities10/49€557k€405k▼
Equity10/15€457k€400k▼
Contributions10/11€12k€12k=
Reserves13€182k€182k=
Distributable reserves133€182k€182k=
Profit (loss) carried forward14€263k€206k▼
Amounts payable17/49€100k€5k▼
Amounts payable within one year42/48€97k€3k▼
Trade debts44€12k€3k▼
Suppliers440/4€12k€3k▼
Taxes, remuneration and social security45€722€310▼
Taxes450/3€722€310▼
Other amounts payable47/48€85k-
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€49k▲
Other operating charges640/8€927€9k▲
Gross operating margin9900€20k€203▼
Operating profit (loss)9901€-30k€-58k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€127€2k▲
Recurring financial charges65€127€2k▲
Profit (loss) for the period before taxes9903€-26k€-57k▼
Income taxes67/77€380€49▼
Profit (loss) for the period9904€-26k€-57k▼
Profit (loss) for the period to be appropriated9905€-26k€-57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€263k€206k▼
Profit (loss) brought forward from the previous period14P€289k€263k▼
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
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 15current ratio 31.16
Current ratio from 2.14 to 31.16; short-term debt falls from €97k to €3k.
21-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 82 days late
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
2021
31-12
Financial
Weakest financial yearnet €-66k
Net result drops to €-66k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 35.31
Current ratio from 6.49 to 35.31; short-term debt falls from €46k to €7k.
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 150 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
02-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 306 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 61 days late
02-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 368 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Elsene · 1 establishment unit since 2010
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.
Géo Bernierlaan 151050 ElseneGround area
1,037 m²
Building footprint
359 m²
Volume, LiDAR
7,073 m³
2 parcels, Brussels · tallest building 25.5 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Belle-Vuestraat 16, 1050 Elsene
since 20102.196.603.897
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21444B0077/00W002 | Brussels | 738 m² | 1 · 185 m² | 25.5 m · 8 fl. |
| 21444B0087/00S004 | Brussels | 298 m² | 1 · 174 m² | 22.1 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
8Z Holding
BE 0789.805.573
Turnhout · Eq €401k
BODY & SOUL
BE 0430.272.895
Hoogstraten · Eq €399k
Michael Wincott
BE 0829.089.682
Lasne · Eq €401k
MOUSSERIE
BE 0844.427.560
Celles (lez-Tournai) · Eq €399k
STRABAG BRVZ
BE 0479.247.207
Antwerpen · Eq €401k
Of 11,177 companies in sector 82100 we hold annual accounts for 3,491. 2,107 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2010
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.