LAURENTOIT
ActiveLAURENTOIT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €51k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 2028 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability97▲+28
Solvency6▼-27
Growth64▲+33
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.31 against 0.16 in 2024), and 91% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 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
9%
Return on assets
9.5%
Age of the figures
8 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 2028 sector peers (2025).
NBB · sector comparisonPosition among 2028 sector peers
Solvency
better than 11%
← weakest
strongest →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
28 d early
2023
1 d early
2022
25 d early
2021
19 d late
2020
37 d early
2019
15 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€388k▲ 20.8%
2024 · €321k
2018: €352k
2019: €338k
2020: €398k
2021: €363k
2022: €325k
2023: €228k
2024: €321k
2018 → 2025
EBIT margin
18.3%▲ 13.1pp
2024 · 5.2%
2018: 2.9%
2019: -3.1%
2020: 9.7%
2021: -4.0%
2022: 7.4%
2023: 0.4%
2024: 5.2%
2018 → 2025
Net result
€51k
2024 · €-4k
2018: €7k
2019: €-17k
2020: €27k
2021: €-21k
2022: €10k
2023: €-18k
2024: €-4k
2018 → 2025
Working capital
€-62k▲ 34.3%
2024 · €-94k
2018: €-1k
2019: €-32k
2020: €-16k
2021: €91k
2022: €-36k
2023: €-70k
2024: €-94k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€363k-€325k▼ 10.7%€228k▼ 29.8%€321k▲ 40.9%€388k▲ 20.8%
Equity€9k-€19k▲ 107%€1k▼ 94.0%€-3k€49k
Operating result€-14k-€24k€852▼ 96.4%€17k▲ 1,843%€71k▲ 328%
Net result€-21k-€10k€-18k€-4k▲ 78.2%€51k
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 328% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €541k
Fixed assets
€514k▼ 3.8%
Current assets
€27k▲ 51.0%
Equity and liabilities €541k
Equity
€49k
Debt
€492k
Debt finances 91.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€107k▲
2024 · €56k
Cash flow
€88k▲
2024 · €35k
Solvency
9.0%▲
2024 · -0.5%
Current ratio
0.31▲
2024 · 0.16
Quick ratio
0.23▲
2024 · 0.11
Debt / equity
10.12
ROE
105.6%▼
2024 · 141.6%
ROA
9.5%▲
2024 · -0.7%
Interest coverage
6.14▲
2024 · 2.77
Debt
€492k▼
2024 · €555k
Debt ≤ 1 year
€89k▼
2024 · €112k
Debt > 1 year
€404k▼
2024 · €443k
Income taxes
€2k▲
2024 · €334
Staff costs
€66▼
2024 · €67
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€552k€541k▼
Fixed assets21/28€534k€514k▼
Tangible fixed assets22/27€534k€514k▼
Land and buildings22€508k€501k▼
Plant, machinery and equipment23€20k€11k▼
Furniture and vehicles24€6k€2k▼
Current assets29/58€18k€27k▲
Stocks and contracts in progress3€6k€7k▲
Stocks30/36€6k€7k▲
Amounts receivable within one year40/41€7k€17k▲
Trade receivables40€3k€8k▲
Other amounts receivable41€4k€10k▲
Cash at bank and in hand54/58€3k€536▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€552k€541k▼
Equity10/15€-3k€49k▲
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Reserves13€9k€28k▲
Distributable reserves133€9k€28k▲
Profit (loss) carried forward14€-32k€300▲
Amounts payable17/49€555k€492k▼
Amounts payable after more than one year17€443k€404k▼
Financial debts170/4€443k€404k▼
Amounts payable within one year42/48€112k€89k▼
Current portion of amounts payable after more than one year42€39k€38k▼
Financial debts43€34k€32k▼
Credit institutions430/8€34k€32k▼
Trade debts44€37k€9k▼
Suppliers440/4€37k€9k▼
Taxes, remuneration and social security45€513€2k▲
Taxes450/3€513€2k▲
Other amounts payable47/48€2k€8k▲
Income statement
Code20242025
Turnover70€321k€388k▲
Goods, raw materials, services and sundry goods60/61€263k€277k▲
Remuneration, social security and pensions62€67€66▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€36k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€943
Other operating charges640/8€2k€3k▲
Gross operating margin9900€58k€111k▲
Operating profit (loss)9901€17k€71k▲
Financial income75/76B€9€30▲
Recurring financial income75€9€30▲
Financial charges65/66B€20k€17k▼
Recurring financial charges65€20k€17k▼
Profit (loss) for the period before taxes9903€-4k€53k▲
Income taxes67/77€334€2k▲
Profit (loss) for the period9904€-4k€51k▲
Profit (loss) for the period to be appropriated9905€-4k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€19k▲
Profit (loss) brought forward from the previous period14P€-28k€-32k▼
Transfer to equity691/2-€19k
To other reserves6921-€19k
The notes to these accounts (11 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €51k
Net result €51k after 2 loss-making years.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 19 days late
2021
31-12
Financial
Weakest financial yearnet €-21k ▼176%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 1.84
Current ratio from 0.79 to 1.84.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
15-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 15 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
SAVELBERG Laurent Gilbert Emile
CurrentDirector · since 04-01-2024
04-01-2024
Appointed as Director
Location & real-estate footprint
Registered office, Olne · 1 establishment unit since 2012
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.
Sur les Prés 424877 OlneGround area
1,544 m²
Building footprint
200 m²
Volume, LiDAR
1,140 m³
Parcel 63057A0100/00E000, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LAURENTOIT
since 20122.215.948.865
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63057A0100/00E000 | Wallonia | 1,544 m² | 1 · 200 m² | 9.4 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.
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Of 8,483 companies in sector 43410 we hold annual accounts for 4,308. 3,628 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-2012
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.