LAPETO
ActiveSummary
The computed 12-month bankruptcy probability of LAPETO is 1.9% (moderate). The 2025 annual accounts show equity of €159k and a net result of €46k. Equity is growing by ~28.5% per year across the filed fiscal years. Its solvency ranks better than 47% of 27786 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-12
Solvency70▲+18
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.29 in 2024; short-term debt: 39.7% and cash: 27.4% of total assets), but 55.3% of the assets are financed with debt.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
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
44.7%
Return on assets
12.9%
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 28-08-2026, 28 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 · 6 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
272 d late
2022
25 d late
2021
8 d early
2020
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€159k▲ 40.8%
2024 · €113k
2020: €44k
2021: €53k
2022: €15k
2023: €18k
2024: €113k
2020 → 2025
Total assets
€355k▼ 15.0%
2024 · €418k
2020: €327k
2021: €384k
2022: €308k
2023: €248k
2024: €418k
2020 → 2025
Net result
€46k▼ 51.3%
2024 · €95k
2020: €-36k
2021: €9k
2022: €-38k
2023: €3k
2024: €95k
2020 → 2025
Working capital
€92k▲ 49.6%
2024 · €61k
2020: €59k
2021: €49k
2022: €452
2023: €-7k
2024: €61k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€15k▼ 71.7%€18k▲ 21.0%€113k▲ 519%€159k▲ 40.8%
Operating result€14k-€-35k€8k€113k▲ 1,348%€62k▼ 45.0%
Net result€9k-€-38k€3k€95k▲ 2,887%€46k▼ 51.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €355k
Fixed assets
€123k ▼ 17.3%
Current assets
€233k ▼ 13.8%
Equity and liabilities €355k
Equity
€159k ▲ 40.8%
Debt
€197k ▼ 35.6%
Debt's share of the balance-sheet total falls from 73.0% to 55.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€90k▼
2024 · €136k
Cash flow
€74k▼
2024 · €118k
Current ratio
1.65▲
2024 · 1.29
Quick ratio
1.28▲
2024 · 1.05
Debt to equity
1.24▼
2024 · 2.71
ROE
29.0%▼
2024 · 83.8%
ROA
12.9%▼
2024 · 22.6%
Interest coverage
41.75▼
2024 · 45.94
Debt ≤ 1 year
€141k▼
2024 · €209k
Debt > 1 year
€25k▼
2024 · €57k
Income taxes
€15k▼
2024 · €15k
Staff costs
€124k▲
2024 · €105k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€418k€355k▼
Fixed assets21/28€148k€123k▼
Tangible fixed assets22/27€143k€118k▼
Furniture and vehicles24€31k€21k▼
Other tangible fixed assets26€112k€97k▼
Financial fixed assets28€5k€5k=
Current assets29/58€270k€233k▼
Stocks and contracts in progress3€52k€52k▲
Stocks30/36€52k€52k▲
Amounts receivable within one year40/41€144k€82k▼
Trade receivables40€143k€77k▼
Other amounts receivable41€290€5k▲
Cash at bank and in hand54/58€75k€97k▲
Deferred charges and accrued income490/1€0€1k▲
Equity and liabilities
Total equity and liabilities10/49€418k€355k▼
Equity10/15€113k€159k▲
Contributions10/11€80k€80k=
Profit (loss) carried forward14€33k€79k▲
Amounts payable17/49€306k€197k▼
Amounts payable after more than one year17€57k€25k▼
Financial debts170/4€57k€25k▼
Amounts payable within one year42/48€209k€141k▼
Current portion of amounts payable after more than one year42€32k€32k▲
Trade debts44€139k€41k▼
Suppliers440/4€139k€41k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€38k€68k▲
Taxes450/3€24k€43k▲
Remuneration and social security454/9€13k€25k▲
Accrued charges and deferred income492/3€40k€31k▼
Income statement
Code20242025
Remuneration, social security and pensions62€105k€124k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€28k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€5k€7k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€246k€220k▼
Operating profit (loss)9901€113k€62k▼
Financial income75/76B€246€1k▲
Recurring financial income75€246€1k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€110k€61k▼
Income taxes67/77€15k€15k▼
Profit (loss) for the period9904€95k€46k▼
Profit (loss) for the period to be appropriated9905€95k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€79k▲
Profit (loss) brought forward from the previous period14P€-62k€33k▲
The notes to these accounts (14 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Equity above €150kEq €159k ▲40.8%
3 profitable years in a row build equity to €159k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 272 days late
2024
31-12
Financial
Highest result since 2020net €95k ▲2887%
Operating result €113k, net result €95k, both a record.
31-12
Financial
Equity above €100kEq €113k ▲519%
2 profitable years in a row build equity to €113k.
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Weakest financial yearnet €-38k ▼530%
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Saint-Ghislain · 1 establishment unit since 2019
Ground area
1,386 m²
Building footprint
494 m²
Volume, LiDAR
2,395 m³
Parcel 53070A0172/00R000, Wallonia · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LAPETO
since 20192.291.295.792
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53070A0172/00R000 | Wallonia | 1,386 m² | 1 · 494 m² | 7.0 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.
Similar companies · same sector, comparable size
FRANK VAN HAM
BE 0478.781.013
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AUQUIER
BE 0431.168.265
Jette · Eq €158,796
BO CHÂSSIS
BE 0661.691.042
Ukkel · Eq €158,884
Atelier Bens
BE 0780.446.261
Kasterlee · Eq €158,762
GEYSSENS KEUKENS & KASTEN
BE 0808.798.668
Maldegem · Eq €158,753
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,588 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
Founded24-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
47551Retail sale of household furniture
47540Retail sale of electrical household appliances
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.