Thibo Laeremans

Active

Private limited companyfounded 20232 yrs activeDieperstraat 108, 2230 Herselt, BelgiumKBO/BCE: BE 1001.757.602

Summary

Thibo Laeremans has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €350k and a net result of €316k. Its solvency ranks better than 28% of 3121 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2025

65 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability82▲+6

Solvency37▲+6

Growth78

Track record82

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €22k at 30 days only on tighter terms

Liquidity short (current ratio 0.28 against 0.32 in 2024; short-term debt: 6.4% and cash: 1.4% of total assets), and 88.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 01

Relative position

BE, all sectors

reference

Sector 01

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

11.8%

Return on assets

10.6%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

31 d late

2024

61 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€350k▲ 907%

2024 · €35k

2024: €35k

2024 → 2025

Total assets

€2.97M▲ 402%

2024 · €592k

2024: €592k

2024 → 2025

Net result

€316k▲ 878%

2024 · €32k

2024: €32k

2024 → 2025

Working capital

€-138k▼ 116%

2024 · €-64k

2024: €-64k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€35k-€350k▲ 907%

Operating result€34k-€382k▲ 1,027%

Net result€32k-€316k▲ 878%

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 2025; 2025 is 1,027% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €2.97M

98.2%

Fixed assets €2.92M ▲ 419%

Current assets €53k ▲ 79.5%

Equity and liabilities €2.97M

12%

88.2%

Equity €350k ▲ 907%

Debt €2.62M ▲ 370%

Debt's share of the balance-sheet total falls from 94.1% to 88.2%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€537k▲

2024 · €38k

Cash flow

€471k▲

2024 · €36k

Current ratio

0.28▼

2024 · 0.32

Debt to equity

7.48▼

2024 · 16.03

ROE

90.1%▼

2024 · 92.8%

ROA

10.6%▲

2024 · 5.5%

Interest coverage

8.13▼

2024 · 23.61

Debt ≤ 1 year

€191k▲

2024 · €93k

Debt > 1 year

€2.43M▲

2024 · €464k

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 · 40 lines

Balance sheet Code20242025

Assets

Total assets20/58€592k€2.97M▲

Fixed assets21/28€563k€2.92M▲

Tangible fixed assets22/27€563k€2.92M▲

Land and buildings22€530k€1.44M▲

Plant, machinery and equipment23€33k€908k▲

Leasing and similar rights25-€576k

Current assets29/58€29k€53k▲

Amounts receivable within one year40/41€7k€11k▲

Trade receivables40€4k€9k▲

Other amounts receivable41€3k€3k=

Cash at bank and in hand54/58€23k€41k▲

Equity and liabilities

Total equity and liabilities10/49€592k€2.97M▲

Equity10/15€35k€350k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€32k€348k▲

Amounts payable17/49€558k€2.62M▲

Amounts payable after more than one year17€464k€2.43M▲

Financial debts170/4€464k€2.43M▲

Amounts payable within one year42/48€93k€191k▲

Current portion of amounts payable after more than one year42-€66k

Trade debts44€93k€78k▼

Suppliers440/4€93k€78k▼

Taxes, remuneration and social security45-€40k

Taxes450/3-€38k

Remuneration and social security454/9-€2k

Other amounts payable47/48-€6k

Accrued charges and deferred income492/3-€4k

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€156k▲

Other operating charges640/8€118€611▲

Gross operating margin9900€38k€538k▲

Operating profit (loss)9901€34k€382k▲

Financial income75/76B€0€0▼

Recurring financial income75€0€0▼

Financial charges65/66B€2k€66k▲

Recurring financial charges65€2k€66k▲

Profit (loss) for the period before taxes9903€32k€316k▲

Profit (loss) for the period9904€32k€316k▲

Profit (loss) for the period to be appropriated9905€32k€316k▲

Appropriation of the result

Profit (loss) to be appropriated9906€32k€348k▲

Profit (loss) brought forward from the previous period14P-€32k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

31-12

Financial Equity above €200kEq €350k ▲907%

2 profitable years in a row build equity to €350k.

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

Financial milestoneNBB 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, Herselt · 3 establishment units since 2024

establishment approximate All 3 establishment units on the map

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.

Dieperstraat 1082230 Herselt

Ground area

9.0 ha

Building footprint

1,638 m²

Volume, LiDAR

7,495 m³

4 parcels, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.

3 establishment units

Brandstee 1, 2260 Westerlo

Support activities for animal production

since 20242.364.877.519

De Wijk 35, 2260 Westerlo

Growing of cereals (except rice), leguminous crops and oil seeds

since 20252.370.757.895

Dieperstraat 110, 2230 Herselt

Crop and animal production, hunting and related service activities

since 20252.380.485.908

4 parcels

Flanders 4 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13039F0200/00S000	Flanders	8.2 ha	-	-
13049D0267/00_000	Flanders	4,819 m²	1 · 1,248 m²	6.6 m · 1 fl.
13392L0401/00H000	Flanders	1,624 m²	1 · 137 m²	11.0 m · 2 fl.
13392L0397/00E002	Flanders	1,124 m²	1 · 253 m²	7.6 m · 1 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 3

4 of 4 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

2 sites

Westerlo2.364.877.519

2 permissions

Boerderij - akkerbouw · since 17-06-2026

Toelating · Boerderij - varkens · since 01-01-2025

Westerlo2.370.757.895

1 permission

Toelating · Boerderij - varkens · since 24-03-2025

Similar companies · same sector, comparable size

Hoogstraten · Eq €341k

Lichtervelde · Eq €373k

VARKUM

BE 0881.796.118

Tienen · Eq €329k

Of 587 companies in sector 01462 we hold annual accounts for 213. 183 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

Founded30-10-2023

Fiscal year end31-12

Activities, NACEBEL 2025

01462Crop and animal production, hunting and related service activities

01110Growing of cereals (except rice), leguminous crops and oil seeds

01130Growing of vegetables, melons, roots and tubers

01610Support activities for crop production

01630Crop and animal production, hunting and related service activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.