DE LAENDER
ActiveDE LAENDER has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €896k and a net result of €93k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 794 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-4
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 24.26 against 10.06 in 2024), and 3.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
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
96.3%
Return on assets
9.9%
Age of the figures
8 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 19-08-2026, 19 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
19 d late
2024
27 d late
2023
19 d late
2022
8 d late
2021
2 d late
2020
9 d late
2019
25 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€896k▲ 6.6%
2024 · €841k
2018: €478k
2019: €515k
2020: €606k
2021: €732k
2022: €748k
2023: €826k
2024: €841k
2018 → 2025
Total assets
€931k▲ 0.9%
2024 · €923k
2018: €630k
2019: €637k
2020: €844k
2021: €824k
2022: €846k
2023: €926k
2024: €923k
2018 → 2025
Net result
€93k▼ 1.3%
2024 · €94k
2018: €48k
2019: €37k
2020: €91k
2021: €126k
2022: €118k
2023: €78k
2024: €94k
2018 → 2025
Working capital
€801k▲ 8.8%
2024 · €737k
2018: €335k
2019: €382k
2020: €499k
2021: €621k
2022: €625k
2023: €707k
2024: €737k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€732k-€748k▲ 2.2%€826k▲ 10.5%€841k▲ 1.8%€896k▲ 6.6%
Operating result€183k-€171k▼ 6.6%€110k▼ 35.8%€122k▲ 11.8%€124k▲ 1.2%
Net result€126k-€118k▼ 6.4%€78k▼ 33.5%€94k▲ 19.7%€93k▼ 1.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €931k
Fixed assets
€95k▼ 9.6%
Current assets
€836k▲ 2.2%
Equity and liabilities €931k
Equity
€896k▲ 6.6%
Debt
€34k▼ 57.8%
The debt ratio falls from 8.8% to 3.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€140k▲
2024 · €138k
Cash flow
€108k▼
2024 · €110k
Solvency
96.3%▲
2024 · 91.2%
Current ratio
24.26▲
2024 · 10.06
Quick ratio
18.84▲
2024 · 7.63
Debt / equity
0.04▼
2024 · 0.10
ROE
10.3%▼
2024 · 11.2%
ROA
9.9%▼
2024 · 10.2%
Interest coverage
1435.46▲
2024 · -309.90
Debt
€34k▼
2024 · €82k
Debt ≤ 1 year
€34k▼
2024 · €81k
Income taxes
€43k▼
2024 · €44k
Staff costs
€35k▼
2024 · €37k
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€923k€931k▲
Fixed assets21/28€105k€95k▼
Tangible fixed assets22/27€104k€94k▼
Land and buildings22€63k€59k▼
Furniture and vehicles24€14k€10k▼
Other tangible fixed assets26€27k€25k▼
Financial fixed assets28€762€762=
Current assets29/58€818k€836k▲
Stocks and contracts in progress3€198k€187k▼
Stocks30/36€198k€187k▼
Amounts receivable within one year40/41€149k€99k▼
Trade receivables40€149k€94k▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€469k€549k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€923k€931k▲
Equity10/15€841k€896k▲
Contributions10/11€19k€19k=
Reserves13€544k€599k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€13k€13k=
Distributable reserves133€529k€584k▲
Profit (loss) carried forward14€279k€279k=
Amounts payable17/49€82k€34k▼
Amounts payable within one year42/48€81k€34k▼
Trade debts44€66k€23k▼
Suppliers440/4€66k€23k▼
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€6k▲
Remuneration and social security454/9€211€2k▲
Other amounts payable47/48€10k€3k▼
Accrued charges and deferred income492/3€376-
Income statement
Code20242025
Non-recurring operating income76A€25-
Remuneration, social security and pensions62€37k€35k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€177k€177k▼
Operating profit (loss)9901€122k€124k▲
Financial income75/76B€15k€12k▼
Recurring financial income75€15k€12k▼
Financial charges65/66B€-447€97▲
Recurring financial charges65€-447€97▲
Profit (loss) for the period before taxes9903€138k€136k▼
Income taxes67/77€44k€43k▼
Profit (loss) for the period9904€94k€93k▼
Profit (loss) for the period to be appropriated9905€94k€93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€372k€371k▼
Profit (loss) brought forward from the previous period14P€279k€279k=
Transfer from equity791/2€79k€37k▼
Transfer to equity691/2€94k€93k▼
To the legal reserve6920€94k€93k▼
Profit to be distributed694/7€79k€37k▼
Return on contributions (dividend)694€79k€37k▼
The notes to these accounts (8 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 24.26
Current ratio from 10.06 to 24.26; short-term debt falls from €81k to €34k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 19 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 8 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
31-12
Financial
Highest result since 2018net €126k ▲38.3%
Operating result €183k, net result €126k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 8.46
Current ratio from 3.25 to 8.46; short-term debt falls from €222k to €83k.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 9 days late
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €37k ▼21.5%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €515k ▲7.8%
2 profitable years in a row build equity to €515k.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Sint-Lievens-Houtem · 1 establishment unit since 1992
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.
Wettersesteenweg 129520 Sint-Lievens-HoutemGround area
664 m²
Building footprint
171 m²
Volume, LiDAR
942 m³
Parcel 41063A0223/00S002, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Wettersesteenweg 12, 9520 Sint-Lievens-Houtem
since 19922.057.996.342
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41063A0223/00S002 | Flanders | 664 m² | 1 · 171 m² | 10.3 m · 2 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.
Similar companies · same sector, comparable size
VLEESGROOTHANDEL HAUSPIE
BE 0449.011.812
De Panne · Eq €907k
TAMPERE
BE 0459.930.646
Lichtervelde · Eq €878k
ROB ET PIRON
BE 0841.652.469
Gesves · Eq €920k
VEEGRO
BE 0470.305.884
Lommel · Eq €936k
LA BOUCHERIE
BE 0453.156.581
Anderlecht · Eq €848k
Of 595 companies in sector 10111 we hold annual accounts for 327. 196 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-1992
Fiscal year end31-12
Activities, NACEBEL
10110Manufacture of food products
10111Manufacture of food products
15111
46423Wholesale of clothing, excluding workwear and underwear
51421
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.