2L4U
ActiveSummary
2L4U has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €45k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-19
Solvency32▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.05 against 0.32 in 2024; short-term debt: 62.6% and cash: 3.1% of total assets), and 93.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
6.8%
Return on assets
18.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 31791 sector peers (2025).
NBB · sector comparisonPosition among 31791 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
9 d late
2024
32 d early
2023
33 d early
2022
37 d early
2021
6 d early
2020
23 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▼ 67.8%
2024 · €51k
2020: €8k
2021: €44k
2022: €67k
2023: €93k
2024: €51k
2020 → 2025
Total assets
€241k▼ 2.0%
2024 · €246k
2020: €148k
2021: €227k
2022: €235k
2023: €239k
2024: €246k
2020 → 2025
Net result
€45k▼ 21.8%
2024 · €58k
2020: €3k
2021: €36k
2022: €23k
2023: €26k
2024: €58k
2020 → 2025
Working capital
€-143k▼ 80.2%
2024 · €-79k
2020: €-27k
2021: €-18k
2022: €-17k
2023: €-15k
2024: €-79k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€67k▲ 51.9%€93k▲ 38.6%€51k▼ 45.1%€17k▼ 67.8%
Operating result€20k-€-2k€6k€10k▲ 59.9%€12k▲ 26.2%
Net result€36k-€23k▼ 36.9%€26k▲ 13.0%€58k▲ 123%€45k▼ 21.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 26% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€233k ▲ 11.1%
Current assets
€8k ▼ 77.5%
Equity and liabilities €241k
Equity
€17k ▼ 67.8%
Debt
€225k ▲ 15.3%
Debt's share of the balance-sheet total rises from 79.2% to 93.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€14k▲
2024 · €11k
Cash flow
€47k▼
2024 · €60k
Current ratio
0.05▼
2024 · 0.32
Debt to equity
13.62▲
2024 · 3.81
ROE
274.4%▲
2024 · 113.2%
ROA
18.8%▼
2024 · 23.5%
Interest coverage
2.22▼
2024 · 3.84
Debt ≤ 1 year
€151k▲
2024 · €116k
Debt > 1 year
€74k▼
2024 · €79k
Income taxes
€3k▼
2024 · €3k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€246k€241k▼
Fixed assets21/28€210k€233k▲
Tangible fixed assets22/27€3k€1,000▼
Plant, machinery and equipment23€1k€569▼
Furniture and vehicles24€2k€430▼
Financial fixed assets28€207k€232k▲
Current assets29/58€36k€8k▼
Amounts receivable within one year40/41€5k€669▼
Trade receivables40€4k-
Other amounts receivable41€669€669=
Cash at bank and in hand54/58€29k€8k▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€246k€241k▼
Equity10/15€51k€17k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€46k€12k▼
Amounts payable17/49€195k€225k▲
Amounts payable after more than one year17€79k€74k▼
Financial debts170/4€79k€74k▼
Amounts payable within one year42/48€116k€151k▲
Current portion of amounts payable after more than one year42€23k€27k▲
Trade debts44€1k€665▼
Suppliers440/4€1k€665▼
Taxes, remuneration and social security45€2k€16k▲
Taxes450/3€2k€16k▲
Other amounts payable47/48€89k€108k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€999€1k▲
Gross operating margin9900€12k€15k▲
Operating profit (loss)9901€10k€12k▲
Financial income75/76B€55k€42k▼
Recurring financial income75€55k€42k▼
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€61k€48k▼
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€58k€45k▼
Profit (loss) for the period to be appropriated9905€58k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€146k€92k▼
Profit (loss) brought forward from the previous period14P€88k€46k▼
Profit to be distributed694/7€100k€80k▼
Return on contributions (dividend)694€100k€80k▼
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
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €58k ▲123%
Net result €58k, the highest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Nivelles · 1 establishment unit since 2020
Ground area
936 m²
Building footprint
104 m²
Volume, LiDAR
820 m³
Parcel 25072B0347/00G009, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
2L4U
since 20202.302.413.279
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25072B0347/00G009 | Wallonia | 936 m² | 1 · 104 m² | 10.2 m · 3 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.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 28,487 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
Founded11-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:valerie-anne.lippert@assur.cbc.be
Phone:+32485745024