Summary
LSnT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1k and a net result of €102k. Equity is shrinking by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 9% of 8023 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 22-12-2025, 129 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
129 d early
2024
139 d early
2023
106 d early
2022
41 d early
2021
32 d early
2020
32 d early
2019
27 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 94.7%
2024 · €19k
2019: €55k
2020: €108k
2021: €145k
2022: €49k
2023: €64k
2024: €19k
2019 → 2025
Net result
€102k▼ 4.7%
2024 · €107k
2019: €62k
2020: €52k
2021: €57k
2022: €65k
2023: €84k
2024: €107k
2019 → 2025
Total assets
€203k▲ 8.6%
2024 · €187k
2019: €136k
2020: €155k
2021: €185k
2022: €134k
2023: €151k
2024: €187k
2019 → 2025
Solvency
0.5%▼ 9.5pp
2024 · 10.0%
2019: 40.6%
2020: 69.5%
2021: 78.0%
2022: 36.9%
2023: 42.1%
2024: 10.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€49k▼ 65.9%€64k▲ 29.0%€19k▼ 70.6%€1k▼ 94.7%
Operating result€73k-€84k▲ 15.3%€109k▲ 29.2%€137k▲ 26.3%€131k▼ 4.5%
Net result€57k-€65k▲ 13.7%€84k▲ 30.3%€107k▲ 26.8%€102k▼ 4.7%
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 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €203k
Fixed assets
€77k ▲ 409%
Current assets
€126k ▼ 26.6%
Equity and liabilities €203k
Equity
€1k ▼ 94.7%
Debt
€202k ▲ 20.1%
Debt's share of the balance-sheet total rises from 90.0% to 99.5%. Equity is lower and debt is higher.
Key figures and ratios
ROA
50.2%▼
2024 · 57.3%
Debt ≤ 1 year
€175k▲
2024 · €168k
Debt > 1 year
€26k
Income taxes
€29k▼
2024 · €31k
A ratio outside any meaningful range has been withheld (balance sheet total €203k, equity €1k).
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€187k€203k▲
Fixed assets21/28€15k€77k▲
Tangible fixed assets22/27€15k€77k▲
Plant, machinery and equipment23€1k€656▼
Furniture and vehicles24€278€64k▲
Other tangible fixed assets26€14k€12k▼
Current assets29/58€172k€126k▼
Amounts receivable within one year40/41€0€354▲
Trade receivables40€0€354▲
Cash at bank and in hand54/58€159k€117k▼
Deferred charges and accrued income490/1€12k€9k▼
Equity and liabilities
Total equity and liabilities10/49€187k€203k▲
Equity10/15€19k€1k▼
Contributions10/11€19k€1k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€168k€202k▲
Amounts payable after more than one year17-€26k
Financial debts170/4-€26k
Amounts payable within one year42/48€168k€175k▲
Current portion of amounts payable after more than one year42€0€8k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€13k€12k▼
Taxes450/3€13k€12k▼
Other amounts payable47/48€152k€153k▲
Accrued charges and deferred income492/3€470€407▼
Income statement
Code20242025
Non-recurring operating income76A-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€16k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€141k€148k▲
Operating profit (loss)9901€137k€131k▼
Financial income75/76B€744€1k▲
Recurring financial income75€744€1k▲
Financial charges65/66B€386€1k▲
Recurring financial charges65€386€1k▲
Profit (loss) for the period before taxes9903€138k€131k▼
Income taxes67/77€31k€29k▼
Profit (loss) for the period9904€107k€102k▼
Profit (loss) for the period to be appropriated9905€107k€102k▼
Appropriation of the result
Profit (loss) to be appropriated9906€152k€102k▼
Profit (loss) brought forward from the previous period14P€45k€0▼
Profit to be distributed694/7€152k€102k▼
Return on contributions (dividend)694€152k€102k▼
The notes to these accounts (10 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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-09
Financial
Highest result since 2019net €107k ▲26.8%
Operating result €137k, net result €107k, both a record.
15-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €52k ▼14.8%
Net result drops to €52k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 4.24
Current ratio from 1.84 to 4.24; short-term debt falls from €58k to €31k.
30-09
Financial
Equity above €100kEq €108k ▲94.9%
2 profitable years in a row build equity to €108k.
03-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2018
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.
Kruibekestraat 969150 Beveren-Kruibeke-ZwijndrechtGround area
128 m²
Building footprint
122 m²
Volume, LiDAR
663 m³
Parcel 46001A0127/00Y002, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LSnT
since 20182.275.446.190
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46001A0127/00Y002 | Flanders | 128 m² | 1 · 122 m² | 9.5 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 56 EUR awarded · 56 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 56 EUR | 56 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 1,001 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
Founded16-04-2018
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.