V.J. LARDINOIS
ActiveThe annual accounts of V.J. LARDINOIS for fiscal year 2025 show a net loss of 118% of total assets and of 54% of the equity at the start of that year. The 2025 annual accounts show equity of €9k and a net result of €-10k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 95% of 11282 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-58
Solvency100▲+27
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
short-term debt: 0% and cash: 12.9% of total assets, and 0% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
100%
Return on assets
-118.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 · 10 filingsDeviation from the deadline
2025
47 d late
2024
61 d late
2023
33 d early
2022
31 d late
2021
47 d late
2020
17 d late
2019
47 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▼ 54.2%
2024 · €19k
2018: €36k
2019: €29k
2020: €34k
2021: €38k
2022: €40k
2023: €40k
2024: €19k
2018 → 2025
Total assets
€9k▼ 78.0%
2024 · €39k
2018: €47k
2019: €35k
2020: €39k
2021: €46k
2022: €46k
2023: €43k
2024: €39k
2018 → 2025
Net result
€-10k▼ 213%
2024 · €-3k
2018: €5k
2019: €-7k
2020: €4k
2021: €4k
2022: €3k
2023: €-153
2024: €-3k
2018 → 2025
Working capital
€9k▲ 82.3%
2024 · €5k
2018: €33k
2019: €30k
2020: €36k
2021: €40k
2022: €10k
2023: €18k
2024: €5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€40k▲ 7.2%€40k▼ 0.4%€19k▼ 53.0%€9k▼ 54.2%
Operating result€5k-€5k▼ 8.3%€372▼ 91.9%€-4k€-10k▼ 196%
Net result€4k-€3k▼ 27.6%€-153€-3k▼ 2,037%€-10k▼ 213%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Key figures and ratios
EBITDA
€-10k▼
2024 · €5k
Cash flow
€-10k▼
2024 · €5k
Solvency
100.0%▲
2024 · 48.1%
Debt / equity
0.00▼
2024 · 1.08
ROE
-118.3%▼
2024 · -17.3%
ROA
-118.3%▼
2024 · -8.3%
Interest coverage
-64.90▼
2024 · 30.52
Debt
€0▼
2024 · €20k
Debt ≤ 1 year
€0▼
2024 · €18k
Debt > 1 year
€0▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€39k€9k▼
Fixed assets21/28€16k€0▼
Tangible fixed assets22/27€16k€0▼
Furniture and vehicles24€16k€0▼
Current assets29/58€23k€9k▼
Amounts receivable within one year40/41€7k€7k▲
Trade receivables40-€0
Other amounts receivable41€7k€7k▲
Cash at bank and in hand54/58€11k€1k▼
Deferred charges and accrued income490/1€5k€111▼
Equity and liabilities
Total equity and liabilities10/49€39k€9k▼
Equity10/15€19k€9k▼
Contributions10/11€6k€6k=
Reserves13€12k€12k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€311€-10k▼
Amounts payable17/49€20k€0▼
Amounts payable after more than one year17€2k€0▼
Other amounts payable178/9€2k€0▼
Amounts payable within one year42/48€18k€0▼
Trade debts44€0€0=
Suppliers440/4-€0
Taxes, remuneration and social security45€0€0=
Taxes450/3€0€0=
Other amounts payable47/48€18k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€6k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€0▼
Other operating charges640/8€3k€5k▲
Gross operating margin9900€8k€-5k▼
Operating profit (loss)9901€-4k€-10k▼
Financial income75/76B€407€383▼
Recurring financial income75€407€383▼
Financial charges65/66B€153€161▲
Recurring financial charges65€153€161▲
Profit (loss) for the period before taxes9903€-3k€-10k▼
Profit (loss) for the period9904€-3k€-10k▼
Profit (loss) for the period to be appropriated9905€-3k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-10k▼
Profit (loss) brought forward from the previous period14P€573€311▼
Transfer from equity791/2€21k-
Profit to be distributed694/7€18k-
Return on contributions (dividend)694€18k-
The notes to these accounts (7 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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
2025
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 20current ratio 73.62
Current ratio from 3.65 to 73.62; short-term debt falls from €4k to €248.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 47 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
2019
10-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 41 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Awans · 1 establishment unit since 1988
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 Victor Heptia 134340 AwansGround area
2,646 m²
Building footprint
108 m²
Parcel 62106A1014/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Victor Heptia 13, 4340 Awans
since 19882.039.693.432
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62106A1014/00P000 | Wallonia | 2,646 m² | 1 · 108 m² | - |
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.
Similar companies · same sector, comparable size
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MAALDERIJ MEEUWS
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WALPEAUTRE
BE 0865.866.936
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PLUYMERS
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Waremme · Eq €13k
Of 689 companies in sector 46216 we hold annual accounts for 476. 55 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded01-07-1988
Fiscal year end31-12
Activities, NACEBEL
46216Wholesale of agricultural produce and animal feed, general range
51210
01410Raising of dairy cattle
42110Construction of roads and motorways
45230
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:v.lardinois@skynet.be
Phone:04/257.40.26