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A.L.

Active
Private limited companyfounded 20215 yrs activeRue Bois d'Heest 6, 7170 Manage, BelgiumKBO/BCE: BE 0770.638.670
Summary

The computed 12-month bankruptcy probability of A.L. is 2.4% (moderate). The 2025 annual accounts show equity of €461,980 and a net result of €171,111. Equity is growing by ~63.8% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability62▲+21
Solvency60▲+13
Growth78=
Track record94
Bankruptcy probability, 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity short (current ratio 0.03 against 0.02 in 2024; short-term debt: 27.4% and cash: 0.9% of total assets), and 65.2% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
34.8%
Return on assets
12.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 4 filings
Deviation from the deadline
2025
29 d late
2024
29 d late
2023
35 d early
2022
32 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 4 accounts on average 14 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 2 July 2021, A.L. was incorporated as a Private limited company.1 Total assets went from EUR 1 million in 2022 to EUR 1.3 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€461,980▲ 58.8%
2024 · €290,869
Total assets
€1.3m▼ 1.0%
2024 · €1.3m
Net result
€171,111▼ 26.3%
2024 · €232,309
Working capital
-€352,709▲ 5.1%
2024 · -€371,637
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Operating result-€4,274--€4,822▼ 12.8%-€8,894▼ 84.5%€37,788
Net result-€18,106-€174,313€232,309▲ 33.3%€171,111▼ 26.3%
Equity€1,894-€176,207▲ 9,203%€290,869▲ 65.1%€461,980▲ 58.8%
Total assets€1.0m-€1.0m▼ 0.3%€1.3m▲ 32.4%€1.3m▼ 1.0%
Debt€1.0m-€837,372▼ 17.5%€1.1m▲ 25.6%€867,251▼ 17.5%
Working capital-€319,584--€284,574▲ 11.0%-€371,637▼ 30.6%-€352,709▲ 5.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€100,000€0€100,000€200,000Operating result 2022: -€4,274-€4,274Net result 2022: -€18,106-€18,106Operating result 2023: -€4,822-€4,822Net result 2023: €174,313€174,313Operating result 2024: -€8,894-€8,894Net result 2024: €232,309€232,309Operating result 2025: €37,788€37,788Net result 2025: €171,111€171,1112022202320242025-€100,000€0€100,000€200,000Operating result 2023: -€4,822-€4,820Net result 2023: €174,313€174,000Operating result 2024: -€8,894-€8,890Net result 2024: €232,309€232,000Operating result 2025: €37,788€37,800Net result 2025: €171,111€171,000202320242025
The operating result returns to profit in 2025: €37,788 after a loss of €8,894 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets €1.3m ▼ 1.1%
Current assets €11,723 ▲ 45.2%
Equity and liabilities €1.3m
Equity €461,980 ▲ 58.8%
Debt €867,251 ▼ 17.5%
Debt's share of the balance-sheet total falls from 78.3% to 65.2%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€54,582▲
2024 · €1,094
Cash flow
€187,905▼
2024 · €242,297
Current ratio
0.03▲
2024 · 0.02
Debt to equity
1.88▼
2024 · 3.62
ROE
37.0%▼
2024 · 79.9%
ROA
12.9%▼
2024 · 17.3%
Interest coverage
3.27▲
2024 · 0.12
Debt ≤ 1 year
€364,433▼
2024 · €379,710
Debt > 1 year
€499,545▼
2024 · €671,440
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.3m€1.3m▼
Formation expenses20€4,066€1,628▼
Fixed assets21/28€1.3m€1.3m▼
Tangible fixed assets22/27€330,235€315,879▼
Land and buildings22€330,235€315,879▼
Financial fixed assets28€1.0m€1.0m=
Current assets29/58€8,073€11,723▲
Cash at bank and in hand54/58€7,896€11,723▲
Deferred charges and accrued income490/1€177-
Equity and liabilities
Total equity and liabilities10/49€1.3m€1.3m▼
Equity10/15€290,869€461,980▲
Contributions10/11€20,000€20,000=
Profit (loss) carried forward14€270,869€441,980▲
Amounts payable17/49€1.1m€867,251▼
Amounts payable after more than one year17€671,440€499,545▼
Financial debts170/4€671,440€499,545▼
Amounts payable within one year42/48€379,710€364,433▼
Current portion of amounts payable after more than one year42€169,526€171,896▲
Taxes, remuneration and social security45€17,647-
Taxes450/3€17,647-
Other amounts payable47/48€192,537€192,537=
Accrued charges and deferred income492/3€355€3,273▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,988€16,793▲
Other operating charges640/8€1,230€1,913▲
Gross operating margin9900€2,324€56,494▲
Operating profit (loss)9901-€8,894€37,788▲
Financial income75/76B€250,000€150,000▼
Recurring financial income75€250,000€150,000▼
Financial charges65/66B€8,797€16,677▲
Recurring financial charges65€8,797€16,677▲
Profit (loss) for the period before taxes9903€232,309€171,111▼
Profit (loss) for the period9904€232,309€171,111▼
Profit (loss) for the period to be appropriated9905€232,309€171,111▼
Appropriation of the result
Profit (loss) to be appropriated9906€388,516€441,980▲
Profit (loss) brought forward from the previous period14P€156,207€270,869▲
Profit to be distributed694/7€117,647-
Return on contributions (dividend)694€117,647-

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,247€2,438€9,988€16,793▲ 68.1%
Other operating charges640/8€695€448€1,230€1,913▲ 55.5%
Gross operating margin9900-€333-€1,936€2,324€56,494▲ 2,331%
Operating profit (loss)9901-€4,274-€4,822-€8,894€37,788▲ 525%
Financial income75/76B-€187,500€250,000€150,000▼ 40.0%
Recurring financial income75-€187,500€250,000€150,000▼ 40.0%
Financial charges65/66B€13,832€8,365€8,797€16,677▲ 89.6%
Recurring financial charges65€13,832€8,365€8,797€16,677▲ 89.6%
Profit (loss) for the period before taxes9903-€18,106€174,313€232,309€171,111▼ 26.3%
Profit (loss) for the period9904-€18,106€174,313€232,309€171,111▼ 26.3%
Profit (loss) for the period to be appropriated9905-€18,106€174,313€232,309€171,111▼ 26.3%
Line2022202320242025Change
Assets
Total assets20/58€1.0m€1.0m€1.3m€1.3m▼ 1.0%
Formation expenses20€8,941€6,504€4,066€1,628▼ 59.9%
Fixed assets21/28€1.0m€1.0m€1.3m€1.3m▼ 1.1%
Tangible fixed assets22/27--€330,235€315,879▼ 4.3%
Land and buildings22--€330,235€315,879▼ 4.3%
Financial fixed assets28€1.0m€1.0m€1.0m€1.0m=
Current assets29/58€8,017€7,076€8,073€11,723▲ 45.2%
Cash at bank and in hand54/58€8,017€7,076€7,896€11,723▲ 48.5%
Deferred charges and accrued income490/1--€177--
Equity and liabilities
Total equity and liabilities10/49€1.0m€1.0m€1.3m€1.3m▼ 1.0%
Equity10/15€1,894€176,207€290,869€461,980▲ 58.8%
Contributions10/11€20,000€20,000€20,000€20,000=
Profit (loss) carried forward14-€18,106€156,207€270,869€441,980▲ 63.2%
Amounts payable17/49€1.0m€837,372€1.1m€867,251▼ 17.5%
Amounts payable after more than one year17€686,926€545,276€671,440€499,545▼ 25.6%
Financial debts170/4€686,926€545,276€671,440€499,545▼ 25.6%
Amounts payable within one year42/48€327,601€291,650€379,710€364,433▼ 4.0%
Current portion of amounts payable after more than one year42€140,101€141,650€169,526€171,896▲ 1.4%
Taxes, remuneration and social security45--€17,647--
Taxes450/3--€17,647--
Other amounts payable47/48€187,500€150,000€192,537€192,537=
Accrued charges and deferred income492/3€538€447€355€3,273▲ 823%
Line2022202320242025Change
Profit (loss) for the period9904-€18,106€174,313€232,309€171,111▼ 26.3%
+ Depreciation and write-downs630€3,247€2,438€9,988€16,793▲ 68.1%
Operating cash flow (approximation)-€14,859€176,751€242,297€187,905▼ 22.4%
Investment in fixed assets (approximation)--€2,438-€340,223-€2,438▲ 99.3%
Change in cash--€941€820€3,827▲ 367%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial Highest result since 2022net €232,309 ▲33.3%
Net result €232,309, the highest in the series.
31-12
Financial Equity above €200,000Eq €290,869 ▲65.1%
2 profitable years in a row build equity to €290,869.
26-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Back to profitnet €174,313
Net result €174,313 after one loss-making year.
31-12
Financial Equity above €150,000Eq €176,207 ▲9,203%
Equity rises from €1,894 to €176,207.
01-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Manage · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
1,351 m²
Building footprint
245 m²
Volume, LiDAR
1,682 m³
2 parcels, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
A.L.
Rue Raoul Warocqué(MLZ) 10, 7140 MorlanwelzHoldings
since 20212.321.627.197
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52035B0212/00X000 Wallonia 811 m² 1 · 152 m² 8.1 m · 2 fl.
56057A0571/00P007 Wallonia 540 m² 1 · 93 m² 10.9 m · 3 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2025 list no shareholders, and no other source names one.

Holdings 1

According to the 2025 annual accounts of A.L. and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Identification & contact

Identification
Legal formPrivate limited company
Founded02-07-2021
Fiscal year end31-12
Contact
E-mail luca@assurances-perra.be
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.