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Complete company report
Generated 02-08-2026
Active BE 1008.051.912Private limited company

A + L

Antwerpsesteenweg 124 ·2630 Aartselaar, Belgium· 2 yrs active
Sector: Financial services (64210)
Conclusion Checked

A + L is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €47k and a net result of €45k. Its solvency ranks better than 43% of 1208 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €47k
Net result €45k
Better than sector 43%
Active 2 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency81Growth50Stability67
60 / 100

Strong profile, led by profitability.

Health 0
Profitability 100
Solvency 81
Growth 50
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
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.
Financial overview1 NBB filings
Annual accounts filed on 22-10-2025 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 38.0% 47.4%
better than 43% of 1208 sector peers
Net result €45k €43k
better than 51% of 1207 sector peers
Equity €47k €85k
better than 36% of 1208 sector peers
Gross operating margin €62k €70k
better than 45% of 1204 sector peers
Total assets €124k €211k
better than 32% of 1208 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Revenuen/a
EBITDAn/a
Net profit€45k
Cash flown/a
Staff costs-
Income taxes€12k
Dividends-
Total assets€124k
Equity€47k
Debt€77k
of which ≤ 1y€28k
of which > 1y€49k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency38.0%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA36.0%
ROE94.7%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€124k
Fixed assets 21/28€67k
Tangible fixed assets 22/27€67k
Current assets 29/58€56k
Amounts receivable within one year 40/41€20k
Cash & bank 54/58€35k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€124k
Equity 10/15€47k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€45k
Amounts payable 17/49€77k
Amounts payable after one year 17€49k
Amounts payable within one year 42/48€28k
Trade debts payable within one year 44€339
Income statement
Gross operating margin 9900€62k
Operating result 9901€57k
Financial income 75€364
Financial charges 65€1k
Result before taxes 9903€57k
Income taxes 67/77€12k
Net result for the period 9904€45k
Result to be appropriated 9905€45k
Ratios computed by Checked.
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation05-04-2024
StatusActive
Postal code2630
Establishment units 1 location
A + L
Antwerpsesteenweg 124, 2630 AartselaarOverige dienstverlenende activiteiten op het gebied van informatie, n.e. g.
since 20242.358.956.955
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11001B0009/00V005 Flanders 1,858 m² 1 · 844 m² 9.6 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
22-10-2025
NBB filing Annual accounts filed
fiscal year 2025 · micro
2024
09-04-2024
State Gazette act Minor change
other · Frank Liesse
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
09-04-2024 Publication in the Belgian Official Gazette, Minor change Minor change·Frank Liesse
Summary: otherNotary: Frank Liesse · AntwerpenFirm: Celis & Liesse
Technical details 
{
  "notary": {
    "name": "Frank Liesse",
    "firm_city": null,
    "firm_name": "Celis \u0026 Liesse",
    "office_city": "Antwerpen",
    "is_associated": true
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-04-09",
    "filing_date": "2024-04-05",
    "act_kind_objet": "OPRICHTING"
  },
  "decision": {
    "body": "notarieel_alleen",
    "date": "2024-04-04",
    "unanimous": null
  },
  "agm_change": null,
  "detected_kind": "other",
  "other_address": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "1008.051.912",
    "name_full": "A \u002B L",
    "legal_form": "BV"
  },
  "accounts_deposit": {
    "filing_kind": null,
    "fiscal_year_end": "2025-03-31",
    "filing_reference": null
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "Afschrift akte",
    "Oorspronkelijke statuten"
  ],
  "fiscal_year_change": {
    "new_end_mm_dd": "03-31",
    "old_end_mm_dd": null,
    "new_start_mm_dd": "04-01",
    "old_start_mm_dd": null,
    "first_full_new_year": 2025,
    "transition_period_end": "2025-03-31"
  },
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "is_volet_a_only_stub": false,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van terreinen68204Verhuur en exploitatie van terreinen68204Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL A + L
Registered office
Antwerpsesteenweg 124 bus 40
2630 Aartselaar, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative