Active BE 0437.646.875Private limited company

TLaurent

Chaussée de Louvain 233 ·1410 Waterloo, Belgium· 37 yrs active

Sector: Dakwerkzaamheden (43410)

Conclusion Checked

TLaurent has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €912k and a net result of €55k. The computed 12-month bankruptcy probability is 0.7% (low).

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

Key figures

Equity	€912k
Net result	€55k
Active	37 yrs
Board	1

Financial profile 4 of 5 axes measured · computed by Checked

74 / 100

Strong profile, led by solvency.

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

Health 86

Profitability 30

Solvency 96

Growth -

Stability 85

Bankruptcy probability (12 mo) Checked model v1 · free

0.7% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −Higher-failure-rate region +

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

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1989, 37 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

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.

Health barometer FY 2025 · computed

86 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview35 NBB filings

Annual accounts filed on 28-11-2025 with the NBB · fiscal year 2025 · micro

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€124k
Net profit	€55k
Cash flow	€84k
Staff costs	€4k
Income taxes	€40k
Dividends	-
Total assets	€1.02M
Equity	€912k
Debt	€112k
of which ≤ 1y	€112k
of which > 1y	-
Working capital	€90k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.81
Quick ratio	1.81
Working capital ratio	8.8%
Solvency	89.0%
Debt / equity	0.12
Long-term debt ratio	-
Interest coverage	968.35
Gross margin	-
Net margin	-
ROA	5.4%
ROE	6.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €822k · 80.2% Current assets €203k · 19.8%

Equity & liabilities

Equity €912k · 89.0% Debt €112k · 11.0%

Full annual accounts (22 line items)

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.02M
Fixed assets	21/28	€822k
Intangible fixed assets	21	€822k
Current assets	29/58	€203k
Amounts receivable within one year	40/41	€171k
Cash & bank	54/58	€32k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.02M
Equity	10/15	€912k
Contributions / capital	10/11	€850k
Reserves	13	€61k
Accumulated profits (losses)	14	€869
Amounts payable	17/49	€112k
Amounts payable within one year	42/48	€112k
Trade debts payable within one year	44	€65k
Income statement
Gross operating margin	9900	€128k
Operating result	9901	€95k
Financial income	75	€10
Financial charges	65	€128
Result before taxes	9903	€95k
Income taxes	67/77	€40k
Net result for the period	9904	€55k
Result to be appropriated	9905	€55k

Ratios computed by Checked.

Directors & mandates 2 directors

Current directors & mandates

Laurent HERMIA
Managing director
State Gazette act 25008209 (17-01-2025)

Current
09-12-2024 → present

Former directors (1)

Sven DUPONT
Managing director
State Gazette act 25008209 (17-01-2025)

Former
- → 09-12-2024

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Dakwerkzaamheden(43410)
Legal form	Private limited company(610)
Incorporation	01-06-1989
Status	Active
Postal code	1410

Establishment units 1 location

TLaurent

Chaussée de Louvain 233, 1410 WaterlooIsolatiewerkzaamheden

since 19892.043.763.472

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

Real-estate footprint Source: CBE × cadastre

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.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25764N0807/00H000	Wallonia	1,481 m²	1 · 99 m²	-

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.

Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

28-11-2025

NBB filing Annual accounts filed

fiscal year 2025 · micro

03-02-2025

State Gazette act Capital & shares

Aurélie Haine

17-01-2025

State Gazette act Director changes

2024

16-09-2024

NBB filing Annual accounts filed

fiscal year 2024 · micro

2023

14-09-2023

NBB filing Annual accounts filed

fiscal year 2023 · micro

2022

13-10-2022

NBB filing Annual accounts filed

fiscal year 2022 · micro

2021

30-09-2021

NBB filing Annual accounts filed

fiscal year 2021 · micro

2020

24-11-2020

NBB filing Annual accounts filed

fiscal year 2020 · micro

2019

09-10-2019

NBB filing Annual accounts filed

fiscal year 2019 · micro

2018

12-11-2018

NBB filing Annual accounts filed

fiscal year 2018 · micro

2017

29-09-2017

NBB filing Annual accounts filed

fiscal year 2017 · volledig

2016

28-09-2016

NBB filing Annual accounts filed

fiscal year 2016 · volledig

Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts

Capital history · 1

03-02-2025

Capital change

All acts · 2 updated 1 year ago

2025

03-02-2025 Capital increase of €850,000 Capital & shares·Aurélie Haine

Inbreng in natura · Apport en nature

Notary: Aurélie Haine · La Louvière

Original publication ↗

Technical details

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17-01-2025 1 director appointed, 1 resigning Director changes

Laurent HERMIA, Gedelegeerd bestuurder
Sven DUPONT, Gedelegeerd bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Algemene bouw van residentiële gebouwen41001Dakwerkzaamheden43410Installatie van isolatie43230Isolatiewerkzaamheden43291Waterdichtingswerken van muren43421Overige detailhandel in nieuwe artikelen neg47789Overige reiniging van gebouwen; industriële reiniging81220

Primary activity highlighted.

Names & trade names

Legal nameFR

TLaurent

Registered office

Chaussée de Louvain 233

1410 Waterloo, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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