LAVIC CONSULTING
ActiveSummary
LAVIC CONSULTING has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173k and a net result of €53k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 52% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+14
Solvency83▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 1.56 in 2024; short-term debt: 26.6% and cash: 4% of total assets), and 42.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
57.9%
Return on assets
17.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
23 d early
2023
11 d early
2022
17 d early
2021
11 d early
2020
12 d late
2019
89 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
€173k▼ 0.6%
2024 · €174k
2018: €86k
2019: €86k
2020: €108k
2021: €141k
2022: €172k
2023: €213k
2024: €174k
2018 → 2025
Total assets
€299k▼ 17.2%
2024 · €361k
2018: €196k
2019: €145k
2020: €148k
2021: €181k
2022: €381k
2023: €442k
2024: €361k
2018 → 2025
Net result
€53k▲ 122%
2024 · €24k
2018: €9k
2019: €-311
2020: €22k
2021: €33k
2022: €31k
2023: €41k
2024: €24k
2018 → 2025
Working capital
€50k▼ 18.1%
2024 · €61k
2018: €18k
2019: €31k
2020: €64k
2021: €95k
2022: €-29k
2023: €70k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€172k▲ 22.2%€213k▲ 23.8%€174k▼ 18.4%€173k▼ 0.6%
Operating result€51k-€49k▼ 4.1%€83k▲ 69.8%€50k▼ 40.3%€95k▲ 90.2%
Net result€33k-€31k▼ 5.3%€41k▲ 31.2%€24k▼ 41.1%€53k▲ 122%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 90% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €299k
Fixed assets
€169k ▼ 11.3%
Current assets
€129k ▼ 23.8%
Equity and liabilities €299k
Equity
€173k ▼ 0.6%
Debt
€126k ▼ 32.7%
Debt's share of the balance-sheet total falls from 51.8% to 42.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€155k▲
2024 · €112k
Cash flow
€114k▲
2024 · €86k
Current ratio
1.63▲
2024 · 1.56
Debt to equity
0.73▼
2024 · 1.08
ROE
31.0%▲
2024 · 13.9%
ROA
17.9%▲
2024 · 6.7%
Interest coverage
31.15▲
2024 · 18.09
Debt ≤ 1 year
€79k▼
2024 · €109k
Debt > 1 year
€46k▼
2024 · €78k
Income taxes
€36k▲
2024 · €20k
Staff costs
€78k▲
2024 · €77k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€361k€299k▼
Fixed assets21/28€191k€169k▼
Tangible fixed assets22/27€191k€169k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€190k€167k▼
Current assets29/58€169k€129k▼
Amounts receivable within one year40/41€109k€113k▲
Trade receivables40€102k€113k▲
Other amounts receivable41€6k€0▼
Cash at bank and in hand54/58€49k€12k▼
Deferred charges and accrued income490/1€11k€5k▼
Equity and liabilities
Total equity and liabilities10/49€361k€299k▼
Equity10/15€174k€173k▼
Contributions10/11€19k€19k=
Reserves13€155k€154k▼
Distributable reserves133€155k€154k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€187k€126k▼
Amounts payable after more than one year17€78k€46k▼
Financial debts170/4€78k€46k▼
Amounts payable within one year42/48€109k€79k▼
Current portion of amounts payable after more than one year42€31k€32k▲
Financial debts43€5k€663▼
Credit institutions430/8€5k€663▼
Trade debts44€3k€14k▲
Suppliers440/4€3k€14k▲
Taxes, remuneration and social security45€14k€28k▲
Taxes450/3€4k€15k▲
Remuneration and social security454/9€10k€13k▲
Other amounts payable47/48€55k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€5k€0▼
Remuneration, social security and pensions62€77k€78k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62k€61k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€192k€237k▲
Operating profit (loss)9901€50k€95k▲
Financial income75/76B€101€1▼
Recurring financial income75€101€1▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€44k€90k▲
Income taxes67/77€20k€36k▲
Profit (loss) for the period9904€24k€53k▲
Profit (loss) for the period to be appropriated9905€24k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€53k▲
Transfer from equity791/2€63k€54k▼
Transfer to equity691/2€24k€53k▲
To other reserves6921€24k€53k▲
Profit to be distributed694/7€63k€54k▼
Return on contributions (dividend)694€63k€54k▼
The notes to these accounts (8 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €53k ▲122%
Operating result €95k, net result €53k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
18-03
State Gazette act
Board meeting · Registered-office move
Power of attorney · Director appointment
13-03
State Gazette act
Board meeting · Power of attorney
Director appointment · Permanent representative
30-01
State Gazette act
General meeting · Statutes amendment
Reserve release · Capital
2023
31-12
Financial
Equity above €200kEq €213k ▲23.8%
4 profitable years in a row build equity to €213k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €172k ▲22.2%
3 profitable years in a row build equity to €172k.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
Show earlier events
11-02
State Gazette act
Board meeting · Power of attorney
Permanent representative
20-01
State Gazette act
General meeting · Purpose change
Director resignation · Director discharge
2020
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Equity above €100kEq €108k ▲25.4%
Equity rises from €86k to €108k.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
20-07
State Gazette act
General meeting · Director resignation
Director discharge · Board meeting
2019
31-12
Financial
Weakest financial yearnet €-311 ▼103%
Net result drops to €-311, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
2015
05-01
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2010
08-07
State Gazette act
General meeting · Capital
Capital decrease · Statutes amendment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Rumst · 1 establishment unit since 2004
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.
Monnikenhofstraat 92840 RumstGround area
1,082 m²
Building footprint
138 m²
Volume, LiDAR
968 m³
Parcel 11036A0268/00M000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LAVIC CONSULTING
since 20042.143.118.691
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036A0268/00M000 | Flanders | 1,082 m² | 1 · 138 m² | 10.2 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.
Structure & network
Connections & network
2 connected companiesLinked via shared directors
Shared director
→
Shared director
→
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
2 locations
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SAZIVEST
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,647 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
Founded02-11-2004
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.