Summary
LVMA 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 €279k and a net result of €19k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 48% of 8023 sector peers (fiscal year 2025). The company has been active since 2017 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 advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
49 d late
2022
31 d late
2021
10 d late
2020
31 d late
2019
88 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
€279k▲ 7.2%
2024 · €260k
2018: €148k
2019: €177k
2020: €225k
2021: €273k
2022: €274k
2023: €242k
2024: €260k
2018 → 2025
Net result
€19k▲ 5.0%
2024 · €18k
2018: €32k
2019: €49k
2020: €48k
2021: €48k
2022: €390
2023: €-32k
2024: €18k
2018 → 2025
Total assets
€571k▲ 0.4%
2024 · €568k
2018: €613k
2019: €606k
2020: €601k
2021: €587k
2022: €577k
2023: €574k
2024: €568k
2018 → 2025
Solvency
48.8%▲ 3.1pp
2024 · 45.7%
2018: 24.1%
2019: 29.2%
2020: 37.5%
2021: 46.6%
2022: 47.5%
2023: 42.1%
2024: 45.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€273k-€274k▲ 0.1%€242k▼ 11.6%€260k▲ 7.4%€279k▲ 7.2%
Operating result€26k-€74k▲ 181%€59k▼ 19.6%€59k▼ 0.7%€27k▼ 53.3%
Net result€48k-€390▼ 99.2%€-32k€18k€19k▲ 5.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €571k
Fixed assets
€567k =
Current assets
€3k ▲ 290%
Equity and liabilities €571k
Equity
€279k ▲ 7.2%
Debt
€292k ▼ 5.3%
Debt's share of the balance-sheet total falls from 54.3% to 51.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
6.7%▼
2024 · 6.9%
ROA
3.3%▲
2024 · 3.2%
Debt ≤ 1 year
€263k▲
2024 · €232k
Debt > 1 year
€28k▼
2024 · €77k
Income taxes
€6k▲
2024 · €399
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€568k€571k▲
Fixed assets21/28€567k€567k=
Financial fixed assets28€567k€567k=
Current assets29/58€831€3k▲
Amounts receivable within one year40/41-€2k
Trade receivables40-€2k
Cash at bank and in hand54/58€208€956▲
Deferred charges and accrued income490/1€623€663▲
Equity and liabilities
Total equity and liabilities10/49€568k€571k▲
Equity10/15€260k€279k▲
Contributions10/11€150k€150k=
Profit (loss) carried forward14€110k€129k▲
Amounts payable17/49€308k€292k▼
Amounts payable after more than one year17€77k€28k▼
Financial debts170/4€77k€28k▼
Amounts payable within one year42/48€232k€263k▲
Current portion of amounts payable after more than one year42€51k€55k▲
Trade debts44€595€2k▲
Suppliers440/4€595€2k▲
Taxes, remuneration and social security45€8k€8k▼
Taxes450/3€2k€5k▲
Remuneration and social security454/9€6k€3k▼
Other amounts payable47/48€172k€199k▲
Income statement
Code20242025
Other operating charges640/8€6k€6k▲
Gross operating margin9900€65k€34k▼
Operating profit (loss)9901€59k€27k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€40k€2k▼
Recurring financial charges65€40k€2k▼
Profit (loss) for the period before taxes9903€18k€25k▲
Income taxes67/77€399€6k▲
Profit (loss) for the period9904€18k€19k▲
Profit (loss) for the period to be appropriated9905€18k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€110k€129k▲
Profit (loss) brought forward from the previous period14P€92k€110k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
31-12
Financial
Weakest financial yearnet €-32k ▼8279%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €200kEq €225k ▲27.2%
3 profitable years in a row build equity to €225k.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Highest result since 2018net €49k ▲56.6%
Net result €49k, the highest in the series.
31-12
Financial
Equity above €150kEq €177k ▲19.9%
2 profitable years in a row build equity to €177k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Burdinne · 1 establishment unit since 2017
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.
Rue Chimpisse(BUR) 1/A4210 BurdinneGround area
1,028 m²
Building footprint
55 m²
Volume, LiDAR
366 m³
Parcel 61010B0074/00B000, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LVMA ASSUR
since 20172.266.514.470
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61010B0074/00B000 | Wallonia | 1,028 m² | 1 · 55 m² | 7.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
2549000CEMQPNVH61U38
Similar companies · same sector, comparable size
MAX TRADING
BE 0463.336.138
Oud-Turnhout · Eq €278,696
WUIAME
BE 0700.471.741
Ottignies-Louvain-la-Neuve · Eq €278,642
WOLFCO
BE 0760.876.809
Knokke-Heist · Eq €278,731
Driwattix
BE 0753.807.289
Diksmuide · Eq €278,762
DEMARAX
BE 0890.816.128
Koksijde · Eq €278,554
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,723 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
Founded07-06-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66220Insurance agents and brokers
68110Buying and selling of own real estate
68310Real estate agency activities
77229Renting and leasing of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.