L&

Life & Protection Insurance

BE0697.903.914

En Petite Foxhalle 174 Herstal 4040
Financial ratios
2025
2024
2023
2022
2021
2020
2019
Gross margin
€ 171K
€ 174K
€ 179K
€ 180K
€ 144K
€ 111K
€ 90K
Profit
€ -8K
€ -16K
€ 2K
€ 4K
€ -42K
€ 75K
€ 39K
Equity
€ 60K
€ 67K
€ 83K
€ 82K
€ 77K
€ 120K
€ 45K
Employees
1
1
1
1
1
Credit limit
€ 86K
€ 81K
€ 98K
€ 92K
€ 45K
€ 93K
€ 72K
Taxes
€ 34K
€ 27K
€ 21K
€ 6K
€ 25K
€ 8K
€ 8K
Salaries and Social Security Contributions
€ 47K
€ 54K
€ 42K
€ 50K
€ 79K
Dividends
Dividend payout
EBITDA
€ 119K
€ 111K
€ 134K
€ 127K
€ 59K
€ 111K
€ 89K
EBIT
€ 40K
€ 32K
€ 52K
€ 43K
€ -8K
€ 111K
€ 89K
Net profit
€ -8K
€ -16K
€ 2K
€ 4K
€ -42K
€ 75K
€ 39K
Capex
€ 67K
€ 67K
€ 67K
€ 59K
Cash
€ 5K
€ 44
€ 429
€ 596
€ 2K
Cashflow
€ 71K
€ 63K
€ 84K
€ 87K
€ 25K
€ 75K
€ 39K
Working capital
€ -306K
€ -263K
€ -215K
€ -190K
€ -169K
€ -212K
€ -201K
Current ratio
0.06
0.07
0.10
0.14
0.22
0.04
0.01
Quick ratio
0.06
0.07
0.10
0.14
0.22
0.04
0.01
Working capital ratio
0.06
0.07
0.10
0.14
0.22
0.04
0.01
Assets
€ 663K
€ 741K
€ 825K
€ 913K
€ 1.02M
€ 949K
€ 942K
Debt
€ 603K
€ 673K
€ 742K
€ 832K
€ 943K
€ 829K
€ 897K
Short-term debt
€ 325K
€ 281K
€ 238K
€ 220K
€ 216K
€ 221K
€ 203K
Long-term debt
€ 277K
€ 391K
€ 503K
€ 612K
€ 728K
€ 608K
€ 694K
Solvability
9.03%
9.10%
10.10%
8.92%
7.58%
12.62%
4.77%
Long term debt ratio
4.63
5.80
6.04
7.51
9.41
5.08
15.43
Debt / EBITDA
5.08
6.06
5.53
6.57
15.87
7.48
10.11
Interest Coverage Ratio
Gross profitability
119.29%
93.81%
100.83%
107.22%
32.24%
62.46%
86.21%
Net profitability
-12.66%
-23.56%
2.15%
5.11%
-54.84%
62.46%
86.21%
Return On Assets (ROA)
-1.14
-2.14
0.22
0.46
-4.16
7.88
4.11
Return On Equity (ROE)
-12.66
-23.56
2.15
5.11
-54.84
62.46
86.21
Customer credit
Supplier credit
Days Sales Outstanding (DSO)
Days Sales of Inventory (DSI)
Inventory Turnover Ratio
Employees
1
1
1
1
1
Staff cost per employee
€ 47K
€ 54K
€ 42K
€ 50K
€ 79K