A&L is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €256k and a net result of €2k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 27% of 6156 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
30 d early
2022
11 d early
2021
32 d early
2020
32 d early
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€256k▲ 0.6%
2023 · €254k
2018: €74k
2019: €183k
2020: €236k
2021: €239k
2022: €247k
2023: €254k
2018 → 2024
Net result
€2k▼ 77.4%
2023 · €7k
2018: €-26k
2019: €109k
2020: €53k
2021: €2k
2022: €8k
2023: €7k
2018 → 2024
Total assets
€924k▼ 4.9%
2023 · €971k
2018: €922k
2019: €966k
2020: €944k
2021: €959k
2022: €934k
2023: €971k
2018 → 2024
Solvency
27.7%▲ 1.5pp
2023 · 26.2%
2018: 8.0%
2019: 19.0%
2020: 25.0%
2021: 24.9%
2022: 26.5%
2023: 26.2%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€236k-€239k▲ 1.0%€247k▲ 3.6%€254k▲ 2.9%€256k▲ 0.6%
Operating result€-3k-€-2k▲ 48.9%€32k€22k▼ 30.4%€25k▲ 11.7%
Net result€53k-€2k▼ 95.4%€8k▲ 251%€7k▼ 16.7%€2k▼ 77.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 12% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €924k
Fixed assets
€921k=
Current assets
€3k▼ 94.4%
Equity and liabilities €924k
Equity
€256k▲ 0.6%
Debt
€668k▼ 6.8%
The debt ratio falls from 73.8% to 72.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
27.7%▲
2023 · 26.2%
ROE
0.6%▼
2023 · 2.8%
ROA
0.2%▼
2023 · 0.7%
Debt
€668k▼
2023 · €717k
Debt ≤ 1 year
€286k▼
2023 · €303k
Debt > 1 year
€370k▼
2023 · €405k
Income taxes
€2k▼
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€971k€924k▼
Fixed assets21/28€921k€921k=
Tangible fixed assets22/27€622k€622k=
Land and buildings22€622k€622k=
Financial fixed assets28€299k€299k=
Current assets29/58€50k€3k▼
Amounts receivable within one year40/41€45k€384▼
Trade receivables40€45k-
Other amounts receivable41-€384
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€1k€664▼
Equity and liabilities
Total equity and liabilities10/49€971k€924k▼
Equity10/15€254k€256k▲
Contributions10/11€100k€100k=
Reserves13€136k€136k=
Distributable reserves133€136k€136k=
Profit (loss) carried forward14€18k€20k▲
Amounts payable17/49€717k€668k▼
Amounts payable after more than one year17€405k€370k▼
Financial debts170/4€405k€370k▼
Amounts payable within one year42/48€303k€286k▼
Current portion of amounts payable after more than one year42€34k€35k▲
Trade debts44€28k€6k▼
Suppliers440/4€28k€6k▼
Taxes, remuneration and social security45€18k€14k▼
Taxes450/3€18k€14k▼
Other amounts payable47/48€222k€231k▲
Accrued charges and deferred income492/3€9k€12k▲
Income statement
Code20232024
Other operating charges640/8€2k€2k▲
Gross operating margin9900€24k€27k▲
Operating profit (loss)9901€22k€25k▲
Financial income75/76B€671€27▼
Recurring financial income75€671€27▼
Financial charges65/66B€11k€22k▲
Recurring financial charges65€11k€22k▲
Profit (loss) for the period before taxes9903€12k€3k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€7k€2k▼
Profit (loss) for the period to be appropriated9905€7k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€20k▲
Profit (loss) brought forward from the previous period14P€11k€18k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €236k ▲28.9%
2 profitable years in a row build equity to €236k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €109k
Net result €109k after one loss-making year.
31-12
Financial
Equity above €150kEq €183k ▲149%
Equity rises from €74k to €183k.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Wevelgem · 1 establishment unit since 2017
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.
Wittemolenstraat 1528560 WevelgemGround area
304 m²
Building footprint
307 m²
Parcel 34029C0167/00Y000, Flanders. Linked by address, not a title deed.
1 establishment unit
A&L
since 20172.268.645.797
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34029C0167/00Y000 | Flanders | 304 m² | 1 · 307 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,674 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68121Development of residential building projects
68122Development of non-residential building projects
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.