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LAVOMATIC

Active
Place du Général-Leman 21 ·4000 Liège, Belgium
KBO/BCE: BE 1006.607.404
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Age2 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of LAVOMATIC is 3.4% (moderate). The 2024 annual accounts show negative equity (€-61) and a net result of €-2k. Its solvency ranks better than 34% of 1745 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
3.4% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 21-08-2025 21 d late 2025-00397985

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-2k
Working capital€-2k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 21-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 96, Personal services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -1.6% 14.6%
better than 34% of 1745 sector peers
Net result €-2k €1k
better than 33% of 1742 sector peers
Equity €-61 €5k
better than 35% of 1749 sector peers
Gross operating margin €-2k €16k
better than 14% of 1741 sector peers
Total assets €4k €46k
better than 9% of 1746 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA-
Net profit€-2k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€4k
Equity€-61
Debt€4k
of which ≤ 1y€4k
of which > 1y-
Working capital€-2k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.55
Quick ratio0.55
Working capital ratio-45.9%
Solvency-1.6%
Debt / equity-62.23
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-55.0%
ROE3366.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€4k
Fixed assets 21/28€2k
Financial fixed assets 28€2k
Current assets 29/58€2k
Cash & bank 54/58€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€4k
Equity 10/15€-61
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€-2k
Amounts payable 17/49€4k
Amounts payable within one year 42/48€4k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€-2k
Operating result 9901€-2k
Financial income 75€212
Financial charges 65€112
Result before taxes 9903€-2k
Net result for the period 9904€-2k
Result to be appropriated 9905€-2k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
20 / 100 Critical
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Place du Général-Leman 214000 Liège

Establishment units

1 location
laverie général leman
Place du Général-Leman 21, 4000 LiègeDiensten die door wasserettes en automatische wassalons verleend worden
since 20242.359.425.921
Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health20Profitability100Solvency34Growth-Stability67
55 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 20
Profitability 100
Solvency 34
Growth -
Stability 67

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 76 of the 996 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van wasserettes en wassalons ten behoeve van particulieren96012Activiteiten van wasserettes en wassalons ten behoeve van particulieren96102
Primary activity highlighted.
Names & trade names
Legal nameFR LAVOMATIC
Registered office
Place du Général-Leman 21
4000 Liège, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.