Immo Lava
ActiveImmo Lava has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €30k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 21% of 8592 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency13▲+4
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.27 against 0.21 in 2024), and 81.2% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
18.8%
Return on assets
4.8%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 8592 sector peers (2025).
NBB · sector comparisonPosition among 8592 sector peers
Solvency
better than 21%
← weakest
strongest →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €116k
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
23 d early
2023
26 d early
2022
27 d early
2021
3 d early
2020
89 d late
2019
167 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€116k▲ 34.0%
2024 · €87k
2018: €76k
2019: €95k
2020: €97k
2021: €96k
2022: €86k
2023: €89k
2024: €87k
2018 → 2025
Total assets
€620k▼ 3.8%
2024 · €644k
2018: €898k
2019: €884k
2020: €787k
2021: €762k
2022: €694k
2023: €670k
2024: €644k
2018 → 2025
Net result
€30k
2024 · €-2k
2018: €7k
2019: €19k
2020: €1k
2021: €-170
2022: €-11k
2023: €3k
2024: €-2k
2018 → 2025
Working capital
€-143k▲ 19.3%
2024 · €-178k
2018: €-219k
2019: €-195k
2020: €-180k
2021: €-177k
2022: €-185k
2023: €-180k
2024: €-178k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€86k▼ 11.2%€89k▲ 3.5%€87k▼ 1.9%€116k▲ 34.0%
Operating result€7k-€-4k€9k€4k▼ 53.9%€36k▲ 733%
Net result€-170-€-11k▼ 6,273%€3k€-2k€30k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 733% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €620k
Fixed assets
€567k▼ 5.0%
Current assets
€53k▲ 11.7%
Equity and liabilities €620k
Equity
€116k▲ 34.0%
Debt
€503k▼ 9.7%
The debt ratio falls from 86.5% to 81.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€66k▲
2024 · €34k
Cash flow
€59k▲
2024 · €28k
Solvency
18.8%▲
2024 · 13.5%
Current ratio
0.27▲
2024 · 0.21
Quick ratio
0.27▲
2024 · 0.21
Debt / equity
4.32▼
2024 · 6.41
ROE
25.4%▲
2024 · -2.0%
ROA
4.8%▲
2024 · -0.3%
Interest coverage
10.72▲
2024 · 5.67
Debt
€503k▼
2024 · €557k
Debt ≤ 1 year
€196k▼
2024 · €225k
Debt > 1 year
€307k▼
2024 · €332k
Income taxes
€557
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€644k€620k▼
Fixed assets21/28€597k€567k▼
Tangible fixed assets22/27€597k€567k▼
Land and buildings22€578k€551k▼
Plant, machinery and equipment23€18k€16k▼
Furniture and vehicles24€492€0▼
Current assets29/58€47k€53k▲
Amounts receivable within one year40/41€7k€8k▲
Trade receivables40€7k€7k▲
Other amounts receivable41-€1k
Cash at bank and in hand54/58€38k€42k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€644k€620k▼
Equity10/15€87k€116k▲
Contributions10/11€115k€115k=
Profit (loss) carried forward14€-28k€2k▲
Amounts payable17/49€557k€503k▼
Amounts payable after more than one year17€332k€307k▼
Financial debts170/4€332k€307k▼
Amounts payable within one year42/48€225k€196k▼
Current portion of amounts payable after more than one year42€27k€26k▼
Trade debts44-€21
Suppliers440/4-€21
Taxes, remuneration and social security45€14€306▲
Taxes450/3€14€306▲
Other amounts payable47/48€198k€170k▼
Accrued charges and deferred income492/3€397€810▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€30k=
Other operating charges640/8€3k€3k▲
Gross operating margin9900€37k€69k▲
Operating profit (loss)9901€4k€36k▲
Financial income75/76B€1€195▲
Recurring financial income75€1€195▲
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€-2k€30k▲
Income taxes67/77-€557
Profit (loss) for the period9904€-2k€30k▲
Profit (loss) for the period to be appropriated9905€-2k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€2k▲
Profit (loss) brought forward from the previous period14P€-26k€-28k▼
The notes to these accounts (12 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
31-12
Financial
Equity above €100kEq €116k ▲34%
Equity rises from €87k to €116k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 167 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kluisbergen · 1 establishment unit since 2015
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.
Grote Herreweg 1159690 KluisbergenGround area
758 m²
Building footprint
193 m²
Volume, LiDAR
1,204 m³
Parcel 45043A0443/02Y000, Flanders · tallest building 11.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Immo Lava
since 20152.244.194.869
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45043A0443/02Y000 | Flanders | 758 m² | 1 · 193 m² | 11.2 m · 1 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.
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SIMOTRA
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 40,688 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.