Lencho · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

Lencho is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €93k and a net result of €92k. Its solvency ranks better than 71% of 3139 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.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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	19-06-2025	42 d early	2025-00152084

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€93k

Net result€92k

Total assets€129k

Solvency72.3%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 19-06-2025 with the NBB · fiscal year 2024 · micro

Sector comparison

Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	72.3%	52.5%	better than 71% of 3139 sector peers
Net result	€92k	€32k	better than 80% of 3135 sector peers
Equity	€93k	€75k	better than 56% of 3140 sector peers
Gross operating margin	€117k	€52k	better than 78% of 3132 sector peers
Total assets	€129k	€192k	better than 38% of 3141 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	n/a
EBITDA	n/a
Net profit	€92k
Cash flow	n/a
Staff costs	-
Income taxes	€25k
Dividends	€833
Total assets	€129k
Equity	€93k
Debt	€36k
of which ≤ 1y	€35k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	72.3%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	71.4%
ROE	98.7%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2024

Assets

Fixed assets €3k · 2.5% Current assets €125k · 97.5%

Equity & liabilities

Equity €93k · 72.3% Debt €36k · 27.7%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€129k
Fixed assets	21/28	€3k
Tangible fixed assets	22/27	€3k
Current assets	29/58	€125k
Amounts receivable within one year	40/41	€7k
Investments	50/53	€50k
Cash & bank	54/58	€69k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€129k
Equity	10/15	€93k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€91k
Amounts payable	17/49	€36k
Amounts payable within one year	42/48	€35k
Trade debts payable within one year	44	€145
Income statement
Gross operating margin	9900	€117k
Operating result	9901	€117k
Financial income	75	€0
Financial charges	65	€63
Result before taxes	9903	€117k
Income taxes	67/77	€25k
Net result for the period	9904	€92k
Result to be appropriated	9905	€92k

Ratios computed by Checked.

Health barometer

FY 2024 · computed

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

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.

Termstraat 509270 Laarne

Establishment units

1 location

Lencho

Termstraat 50, 9270 LaarneHoldings

since 20242.354.328.372

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area3,160 m²

Buildings1

Building footprint269 m²

Volume (LiDAR)1,222 m³

Tallest building7.7 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
42010C0794/00D000	Flanders	3,160 m²	1 · 269 m²	7.7 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

Address history · 1

25-02-2025

Registered-office move

All acts · 1 updated 1 year ago

2025

25-02-2025 Registered office moved within Laarne Registered-office change

9270 Laarne, Zandstraat 31 → 9270 Laarne, Termstraat 50

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

89 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 100

Growth -

Stability 67

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