Result
-€93,368 -€93,368
From profit to loss in 2025, after a profit of €83,464 in 2024.
A & L
Lifetime
19 annual accounts with figures on one time axis, 27 filings since 1999peak €533,724 (2022)
€150,334▼ 62.8%
lowest -€209,659 (2016)
-€93,368▼ €176,832
peak €365,631 (2024)
€272,263▼ 25.5%
€289,550▼ 0.9%
peak 5.8 FTE (2018)
4.1 FTE▼ 19.6%
Board2 names since 2011
1 directorYSKOUT Luc Louis Marie-Louise Silvester
Owners
99.73%ASYO
Documentsfilings and deeds
27-08-202627 days late
2025abbreviated format
Gross margin from €404,113 to €150,334Loss of €93,368Staff from 5.1 FTE to 4.1 FTEEquity from €365,631 to €272,263
Key points
from the 2025 annual accountsStaff
3 employees on 31-12-2025
In 2025, nobody joined and 2 people left.
Position in the sector
-€93,368
Lower net result than 94% of companies in construction of buildings. Sector median €19,022 · 2,812 companies.
2025 accounts filed 27 days after the deadline
Checked score
66
Healthy
Financially stronger than 35% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 0.9%▲ +0.4 percentage points vs 07-2025
09-2025: 1.0%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 0.3%▼ -0.7 percentage points vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026lowest value
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.2 percentage points vs 07-2026
09-2026: 1.0%▲ +0.5 percentage points vs 08-2026
10-2026: 1.0%● unchanged vs 09-2026
11-2026: 1.0%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Loss of €93,368 (financial year 2025)
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 27 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 1.79, cash €150,180
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 57% of them on solvency, 62% on liquidity, 5% on profitability and 17% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as A & L has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of A & L itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for A & L. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €17,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.79 (2.01 in 2024), above the usual 1.5. Short-term debt is 51.5% and cash 26.7% of total assets. However, 51.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
27 days late
2024
31 days late
2023
34 days early
2022
31 days late
2021
30 days late
2020
31 days late
2019
91 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 30 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0464389478
Environmental permit granted
Bomen vellen die geen deel uitmaken van een bos en/of bodemreliëf wijzigen, Bouwen of herbouwen, Nieuwbouw van bijgebouwen en niet overdekte lage constructie and 1 more · Westerlo
Change of role: YSKOUT Luc Louis Marie-Louise Silvester, from manager to director
Appointment: PANKEN Adinda Catharina Jeanne (director) · Gazette deed
Environmental permit granted
Bouwen of herbouwen, Het reliëf van de bodem aanmerkelijk wijzigen, Nieuwbouw van bijgebouwen en niet overdekte lage constructie · Provincie Antwerpen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| A & L Westerlo | €561,813 | €150,334 | 48.5% | 4.1 |
| VAN VLERKEN TOTAALBOUW Olen | €512,571 | €235,575 | 83.3% | 3.6 |
| Algemene Bouwwerken Struyfs-Smans Vorselaar | €598,707 | €263,039 | 51.8% | 3.3 |
| ASSELBERGHS BOUWONDERNEMING Holsbeek | €484,517 | €160,743 | 47.1% | 2.9 |
| NAERT - DEFREYNE Ingelmunster | €789,881 | €157,368 | 0.7% | 5.4 |
| ENTREPRISES L. HUTSCHEMACKERS Herve | €611,141 | €237,107 | -160.6% | 4 |
| DEM.GI.BAT Theux | €507,480 | €243,261 | 82.6% | 4.4 |
These companies have the same main activity as A & L: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €485,000 and €790,000, founded between 1994 and 1998.
Official details
Source: KBO- Status
- Active since 19-10-1998Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 1 other
- Joint committee
- 124Construction · annual accounts 2025
- Establishment unit
- 2.131.662.6942260 Westerlo, since 04-02-2000
- Financial year end
- 31 December
- Peppol
- Reachable since 14-11-2025
Annual accounts 2025
- ≈ €530,000estimated
- €561,813▼ 14.6%
- Employeeson 31-12-2025
- 3▼ 40.0%
- Filing
- Filed on 27-08-2026
Insights on A & L
A & L files the abbreviated format. That format states no turnover. The gross margin rose from €54,940 in 2007 to €150,334 in 2025.
ASYO holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about A & L
- What is the company number of A & L?
- The company number of A & L is 0464.389.478. The VAT number is the same number with BE in front: BE 0464.389.478.
- Where is A & L based?
- The registered office is at Boerenkrijglaan 135, 2260 Westerlo.Company details
- What does A & L do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of A & L?
- A & L is a private limited company (BV).
- When was A & L founded?
- A & L was founded on 19-10-1998.
- Is A & L still active?
- Yes, A & L is an active enterprise in the KBO register.
- How many employees does A & L have?
- A & L had an average of 4.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does A & L fall under?
- In its 2025 annual accounts, A & L states joint committee 124 (Construction).
- What is the turnover of A & L?
- The turnover in financial year 2025 is ≈ €530,000. This figure is estimated from the gross margin of €150,334 and 126 comparable companies (NACE 41001). It probably lies between €360,000 and €830,000.
- Is A & L profitable?
- In financial year 2025, A & L made a loss of €93,368.
- Where can I find the annual accounts of A & L?
- A & L filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of A & L due?
- A & L must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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