B&L Co
ActiveSummary
B&L Co has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.97M and a net result of €8k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 57% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-3
Solvency85▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €430k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.91 in 2024; short-term debt: 17.2% and cash: 0.5% of total assets), and 40% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
60%
Return on assets
0.1%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
14 d early
2023
5 d early
2022
20 d early
2021
34 d early
2020
25 d early
2019
1 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€6.97M▲ 0.1%
2024 · €6.97M
2018: €256k
2019: €302k
2020: €525k
2021: €6.73M
2022: €6.74M
2023: €6.89M
2024: €6.97M
2018 → 2025
Total assets
€11.63M▲ 1.1%
2024 · €11.50M
2018: €1.83M
2019: €2.98M
2020: €3.04M
2021: €7.99M
2022: €7.39M
2023: €8.03M
2024: €11.50M
2018 → 2025
Net result
€8k▼ 96.8%
2024 · €250k
2018: €-51k
2019: €196k
2020: €623k
2021: €407k
2022: €12k
2023: €652k
2024: €250k
2018 → 2025
Working capital
€620k▼ 56.5%
2024 · €1.43M
2018: €-6k
2019: €-350k
2020: €-170k
2021: €1.24M
2022: €1.25M
2023: €1.40M
2024: €1.43M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.73M-€6.74M▲ 0.2%€6.89M▲ 2.2%€6.97M▲ 1.1%€6.97M▲ 0.1%
Operating result€373k-€11k▼ 97.1%€713k▲ 6,431%€17k▼ 97.6%€-3k
Net result€407k-€12k▼ 97.1%€652k▲ 5,381%€250k▼ 61.7%€8k▼ 96.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €17k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.63M
Fixed assets
€9.00M ▲ 5.7%
Current assets
€2.62M ▼ 12.0%
Equity and liabilities €11.63M
Equity
€6.97M ▲ 0.1%
Debt
€4.65M ▲ 2.6%
Debt's share of the balance-sheet total rises from 39.4% to 40.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▼
2024 · €18k
Cash flow
€19k▼
2024 · €251k
Current ratio
1.31▼
2024 · 1.91
Debt to equity
0.67▲
2024 · 0.65
ROE
0.1%▼
2024 · 3.6%
ROA
0.1%▼
2024 · 2.2%
Interest coverage
0.04▼
2024 · 0.12
Debt ≤ 1 year
€2.00M▲
2024 · €1.56M
Debt > 1 year
€2.65M▼
2024 · €2.98M
Staff costs
€176k▲
2024 · €168k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€11.50M€11.63M▲
Fixed assets21/28€8.52M€9.00M▲
Intangible fixed assets21-€106k
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Financial fixed assets28€8.52M€8.90M▲
Current assets29/58€2.98M€2.62M▼
Amounts receivable within one year40/41€2.89M€2.57M▼
Trade receivables40€347k€557k▲
Other amounts receivable41€2.54M€2.01M▼
Cash at bank and in hand54/58€98k€60k▼
Equity and liabilities
Total equity and liabilities10/49€11.50M€11.63M▲
Equity10/15€6.97M€6.97M▲
Contributions10/11€5.81M€5.81M=
Reserves13€86k€86k=
Distributable reserves133€86k€86k=
Profit (loss) carried forward14€1.07M€1.08M▲
Amounts payable17/49€4.54M€4.65M▲
Amounts payable after more than one year17€2.98M€2.65M▼
Financial debts170/4€1.71M€2.65M▲
Other amounts payable178/9€1.27M-
Amounts payable within one year42/48€1.56M€2.00M▲
Current portion of amounts payable after more than one year42€505k€543k▲
Financial debts43€0€15k▲
Credit institutions430/8€0€15k▲
Trade debts44€36k€29k▼
Suppliers440/4€36k€29k▼
Taxes, remuneration and social security45€20k€21k▲
Taxes450/3€0-
Remuneration and social security454/9€20k€21k▲
Other amounts payable47/48€997k€1.40M▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€168k€176k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€801€11k▲
Other operating charges640/8€531€144▼
Gross operating margin9900€187k€184k▼
Operating profit (loss)9901€17k€-3k▼
Financial income75/76B€385k€203k▼
Recurring financial income75€385k€203k▼
Financial charges65/66B€153k€192k▲
Recurring financial charges65€153k€192k▲
Profit (loss) for the period before taxes9903€250k€8k▼
Income taxes67/77€0-
Profit (loss) for the period9904€250k€8k▼
Profit (loss) for the period to be appropriated9905€250k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.24M€1.08M▼
Profit (loss) brought forward from the previous period14P€995k€1.07M▲
Profit to be distributed694/7€175k€0▼
Return on contributions (dividend)694€70k€0▼
Directors or managers695€105k€0▼
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (25 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €652k ▲5381%
Operating result €713k, net result €652k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity triplescurrent ratio 6.34
Current ratio from 2.50 to 6.34; short-term debt falls from €821k to €233k.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity triplescurrent ratio 2.50
Current ratio from 0.77 to 2.50.
31-12
Financial
Equity above €5MEq €6.73M ▲1181%
3 profitable years in a row build equity to €6.73M.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €525k ▲74%
2 profitable years in a row build equity to €525k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
31-12
Financial
Back to profitnet €196k
Net result €196k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Gent · 1 establishment unit since 2011
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.
Burgstraat 189000 GentGround area
481 m²
Building footprint
431 m²
Volume, LiDAR
6,559 m³
Parcel 44815F3131/00E000, Flanders · tallest building 21.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
B&L Co
since 20112.196.380.403
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F3131/00E000 | Flanders | 480 m² | 1 · 431 m² | 21.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 5,699 companies in sector 70100 we hold annual accounts for 3,494. 993 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2011
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.