CHEZ LEO
ActiveCHEZ LEO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €86k and a net result of €20k. Equity is growing by ~51.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 18039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-1
Solvency66▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.84 against 0.78 in 2024; short-term debt: 35.8% and cash: 7.5% of total assets), and 59% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
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
41%
Return on assets
9.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
22 d late
2023
23 d late
2022
31 d early
2021
5 d late
2020
27 d late
2019
39 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€20k▼ 8.5%
2024 · €22k
2018: €-13k
2019: €20k
2020: €49k
2021: €37k
2022: €53k
2023: €20k
2024: €22k
2018 → 2025
Working capital
€-12k▲ 16.7%
2024 · €-15k
2018: €-158k
2019: €-142k
2020: €-93k
2021: €-72k
2022: €-32k
2023: €-28k
2024: €-15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-30k-€23k€44k▲ 87.8%€66k▲ 50.9%€86k▲ 30.8%
Operating result€50k-€77k▲ 55.6%€37k▼ 52.6%€44k▲ 20.9%€36k▼ 18.4%
Net result€37k-€53k▲ 43.9%€20k▼ 61.5%€22k▲ 8.8%€20k▼ 8.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€147k▼ 0.8%
Current assets
€63k▲ 23.8%
Equity and liabilities €210k
Equity
€86k▲ 30.8%
Debt
€124k▼ 7.0%
The debt ratio falls from 67.0% to 59.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▼
2024 · €50k
Cash flow
€28k▲
2024 · €28k
Solvency
41.0%▲
2024 · 33.0%
Current ratio
0.84▲
2024 · 0.78
Quick ratio
0.83▲
2024 · 0.77
Debt / equity
1.44▼
2024 · 2.03
ROE
23.6%▼
2024 · 33.7%
ROA
9.7%▼
2024 · 11.1%
Interest coverage
4.79▲
2024 · 4.68
Debt
€124k▼
2024 · €133k
Debt ≤ 1 year
€75k▲
2024 · €66k
Debt > 1 year
€49k▼
2024 · €68k
Income taxes
€8k▼
2024 · €12k
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€199k€210k▲
Fixed assets21/28€148k€147k▼
Tangible fixed assets22/27€148k€147k▼
Land and buildings22€95k€95k=
Plant, machinery and equipment23€53k€52k▼
Furniture and vehicles24€571€158▼
Current assets29/58€51k€63k▲
Stocks and contracts in progress3€422€428▲
Stocks30/36€422€428▲
Amounts receivable within one year40/41€23k€45k▲
Trade receivables40€17-
Other amounts receivable41€23k€45k▲
Cash at bank and in hand54/58€25k€16k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€199k€210k▲
Equity10/15€66k€86k▲
Contributions10/11€12k€12k=
Reserves13€32k€52k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€8k€8k=
Distributable reserves133€22k€42k▲
Profit (loss) carried forward14€21k€21k=
Amounts payable17/49€133k€124k▼
Amounts payable after more than one year17€68k€49k▼
Financial debts170/4€68k€49k▼
Amounts payable within one year42/48€66k€75k▲
Current portion of amounts payable after more than one year42€24k€28k▲
Trade debts44€23k€26k▲
Suppliers440/4€23k€26k▲
Taxes, remuneration and social security45€19k€21k▲
Taxes450/3€19k€21k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€52k€47k▼
Operating profit (loss)9901€44k€36k▼
Financial income75/76B€432€2k▲
Recurring financial income75€432€2k▲
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Profit (loss) for the period before taxes9903€34k€29k▼
Income taxes67/77€12k€8k▼
Profit (loss) for the period9904€22k€20k▼
Profit (loss) for the period to be appropriated9905€22k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€42k▼
Profit (loss) brought forward from the previous period14P€21k€21k=
Transfer to equity691/2€22k€20k▼
To other reserves6921€22k€20k▼
The notes to these accounts (7 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €53k ▲43.9%
Operating result €77k, net result €53k, both a record.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 21 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
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, Lessines · 1 establishment unit since 2004
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.
Grand'Place(L) 27860 LessinesGround area
98 m²
Building footprint
48 m²
Parcel 55023D0150/00B000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CHEZ LEO
since 20042.144.178.763
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55023D0150/00B000 | Wallonia | 98 m² | 1 · 48 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLessines2.144.178.763
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VERSO RETAIL
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Beenhouwerij Ayoub
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Of 3,043 companies in sector 47221 we hold annual accounts for 1,561. 1,366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-11-2004
Fiscal year end31-12
Activities, NACEBEL
47221Retail sale of meat and meat products, excluding game and poultry
52220
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.