Financials
- Financial year
- 2025
- Total assets
- €646,090
- Loss
- -€7,198
- Solvency
- 46.4%
Total assets▼ 3.3%
Net result
20192025
B & L
ActiveSummary
B & L has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €299,818 and a net result of -€7,198. Equity is growing by about 8.1% per year across the filed financial years. Its solvency ranks better than 47% of 9,636 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Office administrative and support services
NACE 82100
1 site
Size
≈ €53,000turnover 2025, estimated
- Equity
- €299,818
- Loss
- -€7,198
Turnover estimated from the gross margin
Structure
2025 accounts on time2 deeds in the Belgian Official Gazette
Why 84raises riskLiquidity: current ratio 0.05, cash €122lowers riskFounded in 1995Size: total assets €646,090Figures for financial year 2025 (filed 06-05-2026)Show the evidence
Checked score
Score 2025
84
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 35% of its sector peers (NACE 82, micro)
Financial strength · tick = 2024
Average
Solvency
71=
equity 46.4% of total assets
Liquidity
41-1
short-term debt 23.9% · cash 0.0%
Profitability
64-6
return on assets -1.1%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.1%lowest value
12-2024: 0.1%● unchanged vs 11-2024
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.2%▲ +0.1 percentage points vs 04-2025
06-2025: 0.3%▲ +0.1 percentage points vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.4%▲ +0.1 percentage points vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.3%▼ -0.1 percentage points vs 02-2026
04-2026: 0.5%▲ +0.2 percentage points vs 03-2026
05-2026: 0.8%▲ +0.3 percentage points vs 04-2026highest value
06-2026: 0.3%▼ -0.5 percentage points vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.05, compared with 0.0 in 2024, below 1; short-term debt: 23.9% and cash: 0% of total assets), and 53.6% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 82, micro): better than 48% on solvency, 26% on liquidity, 33% on profitability and 35% on growth.
The bankruptcy probability was computed on 30-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 day early
2023
46 days early
2022
30 days early
2021
39 days early
2020
29 days early
2019
20 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 24 days before the deadline; the sector median (NACE 82) for financial year 2024 is 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 31 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end30-10-2026 today30-04-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Weakest financial yearnet -€7,198
- Annual accounts filedfinancial year 2024 · micro…
Key points
By topic
Timeline
- Events
- 33
- Since
- 1997
- Next accounts
- by 30-04-2027
- 15-03-2024Annual accounts filed
- 30-09-2023Back to profit
- 30-09-2023Equity above €200,000
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Office administrative and support servicesNACE 82100
- Founded
- 30-06-1995
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
Key facts about B & L
- What is the company number of B & L?
- 0455.597.518. In Belgium the VAT number is the company number with BE in front: BE 0455.597.518.
- Where is B & L based?
- The registered office is at Rue du Château d'Eau(SL) 2, 7730 Estaimpuis.Company details
- What does B & L do?
- According to the KBO register, the main activity is office administrative and support services (NACE 82100).
- What is the legal form of B & L?
- Private limited company (pre-2019) (BVBA).
- When was B & L founded?
- On 30-06-1995.
- Is B & L still active?
- Yes, B & L is an active enterprise in the KBO register.
- How many employees does B & L have?
- On average 0.8 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
- What is the turnover of B & L?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
- Is B & L profitable?
- In financial year 2025, B & L made a loss of €7,198.
- Where can I find the annual accounts of B & L?
- B & L filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of B & L due?
- By 30-04-2027, for financial year 2026.Timeline
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