B & L
ActiveB & L has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €300k and a net result of €-7k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 46% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-12
Solvency62=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity short (current ratio 0.05 against 0.0 in 2024), and 53.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 d early
2023
46 d early
2022
30 d early
2021
39 d early
2020
29 d early
2019
20 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-7k
2024 · €8k
2018: €-26k
2019: €5k
2020: €10k
2021: €-219
2022: €-4k
2023: €107k
2024: €8k
2018 → 2025
Working capital
€-147k▲ 3.5%
2024 · €-152k
2018: €26k
2019: €-15k
2020: €-66k
2021: €-73k
2022: €-181k
2023: €-111k
2024: €-152k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€201k-€194k▼ 3.6%€299k▲ 54.3%€307k▲ 2.5%€300k▼ 2.3%
Operating result€17k-€11k▼ 35.1%€158k▲ 1,366%€15k▼ 90.3%€-6k
Net result€-219-€-4k▼ 1,701%€107k€8k▼ 92.9%€-7k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €15k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €646k
Fixed assets
€639k▼ 4.4%
Current assets
€7k▲ 4,473%
Equity and liabilities €646k
Equity
€300k▼ 2.3%
Provisions
€134k▼ 2.3%
Debt
€212k▼ 5.3%
The debt ratio falls from 33.5% to 32.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€23k▼
2024 · €42k
Cash flow
€22k▼
2024 · €34k
Solvency
46.4%▲
2024 · 45.9%
Current ratio
0.05▲
2024 · 0.00
Quick ratio
0.05▲
2024 · 0.00
Debt / equity
0.71▼
2024 · 0.73
ROE
-2.4%▼
2024 · 2.5%
ROA
-1.1%▼
2024 · 1.1%
Interest coverage
5.64▼
2024 · 8.54
Debt
€212k▼
2024 · €224k
Debt ≤ 1 year
€154k▲
2024 · €152k
Debt > 1 year
€58k▼
2024 · €72k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€668k€646k▼
Fixed assets21/28€668k€639k▼
Tangible fixed assets22/27€668k€639k▼
Land and buildings22€641k€618k▼
Furniture and vehicles24€27k€21k▼
Current assets29/58€158€7k▲
Amounts receivable within one year40/41-€7k
Trade receivables40-€7k
Cash at bank and in hand54/58€158€122▼
Equity and liabilities
Total equity and liabilities10/49€668k€646k▼
Equity10/15€307k€300k▼
Contributions10/11€19k€19k=
Reserves13€287k€281k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€205k€199k▼
Distributable reserves133€80k€80k=
Profit (loss) carried forward14€1k€288▼
Provisions and deferred taxes16€137k€134k▼
Provisions for liabilities and charges160/5€53k€53k=
Pensions and similar obligations160€53k€53k=
Deferred taxes168€85k€82k▼
Amounts payable17/49€224k€212k▼
Amounts payable after more than one year17€72k€58k▼
Financial debts170/4€72k€58k▼
Amounts payable within one year42/48€152k€154k▲
Current portion of amounts payable after more than one year42€13k€14k▲
Trade debts44€7k€6k▼
Suppliers440/4€7k€6k▼
Taxes, remuneration and social security45€11k€7k▼
Taxes450/3€11k€7k▼
Other amounts payable47/48€122k€127k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€29k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€48k€28k▼
Operating profit (loss)9901€15k€-6k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€10k€-10k▼
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€6k-
Profit (loss) for the period9904€8k€-7k▼
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€14k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€288▼
Profit (loss) brought forward from the previous period14P€3k€1k▼
Transfer to equity691/2€15k-
To other reserves6921€15k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €107k
Net result €107k after 2 loss-making years.
30-09
Financial
Equity above €200kEq €299k ▲54.3%
Equity rises from €194k to €299k.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Equity above €200kEq €203k ▲5.2%
2 profitable years in a row build equity to €203k.
10-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Estaimpuis · 1 establishment unit since 2003
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.
Rue du Château d'Eau(SL) 27730 EstaimpuisGround area
5,906 m²
Building footprint
5,958 m²
Volume, LiDAR
3,307 m³
2 parcels, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Tilleuls(WAR) 37 B, 7740 Pecq
since 20032.113.406.207
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57086A0279/00C004 | Wallonia | 3,172 m² | 1 · 5,392 m² | - |
| 57075C0238/00H000 | Wallonia | 2,734 m² | 1 · 566 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
E-MAURO
BE 0784.368.526
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DKDC
BE 0697.704.568
Hamme (Vl.) · Eq €300k
LEXAFINANCES
BE 0834.734.884
Silly · Eq €299k
HP INVEST
BE 0597.770.715
Antwerpen · Eq €299k
MOMASS
BE 0774.994.366
Beveren-Kruibeke-Zwijndrecht · Eq €301k
Of 11,174 companies in sector 82100 we hold annual accounts for 3,488. 2,265 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-06-1995
Fiscal year end30-09
Activities, NACEBEL
74851
82100Office administrative and support services
82190Office administrative, office support and other business support activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.