B&L GROUP
ActiveThe computed 12-month bankruptcy probability of B&L GROUP is 7.8% (elevated). The 2024 annual accounts show negative equity (€-102k) and a net result of €-35k. Equity is shrinking by ~56.5% per year across the filed fiscal years. Its solvency ranks better than 8% of 18942 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
9
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-47
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
7.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.09 against 0.09 in 2023; short-term debt: 232.7% and cash: 0% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-169.9%
Return on assets
-58%
Age of the figures
21 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
21222324
2021 to 2024 · latest year €-102k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-12-2025, 137 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
137 d late
2023
490 d late
2022
854 d late
2021
18 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-102k▼ 51.9%
2023 · €-67k
2021: €-10k
2022: €-40k
2023: €-67k
2021 → 2024
Total assets
€60k▼ 34.4%
2023 · €91k
2021: €55k
2022: €121k
2023: €91k
2021 → 2024
Net result
€-35k▼ 27.9%
2023 · €-27k
2021: €-17k
2022: €-30k
2023: €-27k
2021 → 2024
Working capital
€-127k▼ 5.0%
2023 · €-121k
2021: €-12k
2022: €-115k
2023: €-121k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€-10k-€-40k▼ 296%€-67k▼ 68.3%€-102k▼ 51.9%
Operating result€-17k-€-24k▼ 42.7%€-26k▼ 9.3%€-34k▼ 30.5%
Net result€-17k-€-30k▼ 74.6%€-27k▲ 8.7%€-35k▼ 27.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €34k in 2024 against €26k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €60k
Fixed assets
€47k▼ 40.0%
Current assets
€13k▲ 0.1%
Key figures and ratios
EBITDA
€-3k▼
2023 · €5k
Cash flow
€-3k▼
2023 · €4k
Solvency
-169.9%▼
2023 · -73.4%
Current ratio
0.09▼
2023 · 0.09
Quick ratio
0.09▼
2023 · 0.09
Debt / equity
-1.59▲
2023 · -2.36
ROA
-58.0%▼
2023 · -29.8%
Interest coverage
-7.45▼
2023 · 5.68
Debt
€162k▲
2023 · €158k
Debt ≤ 1 year
€139k▲
2023 · €133k
Debt > 1 year
€22k▼
2023 · €25k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€91k€60k▼
Fixed assets21/28€79k€47k▼
Intangible fixed assets21€9k€3▼
Tangible fixed assets22/27€69k€47k▼
Plant, machinery and equipment23€1k€492▼
Furniture and vehicles24€36k€24k▼
Other tangible fixed assets26€32k€23k▼
Current assets29/58€13k€13k▲
Amounts receivable within one year40/41€13k€13k=
Other amounts receivable41€13k€13k=
Cash at bank and in hand54/58€16€25▲
Equity and liabilities
Total equity and liabilities10/49€91k€60k▼
Equity10/15€-67k€-102k▼
Contributions10/11€7k€7k=
Profit (loss) carried forward14€-74k€-109k▼
Amounts payable17/49€158k€162k▲
Amounts payable after more than one year17€25k€22k▼
Financial debts170/4€25k€22k▼
Amounts payable within one year42/48€133k€139k▲
Financial debts43€200€6▼
Credit institutions430/8€200€6▼
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Other amounts payable47/48€126k€133k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€31k▲
Other operating charges640/8€366-
Gross operating margin9900€5k€-3k▼
Operating profit (loss)9901€-26k€-34k▼
Financial charges65/66B€851€389▼
Recurring financial charges65€851€389▼
Profit (loss) for the period before taxes9903€-27k€-35k▼
Profit (loss) for the period9904€-27k€-35k▼
Profit (loss) for the period to be appropriated9905€-27k€-35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-74k€-109k▼
Profit (loss) brought forward from the previous period14P€-47k€-74k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 137 days late
03-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 490 days late
01-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 854 days late
2024
31-12
Financial
Weakest financial yearnet €-35k
Net result drops to €-35k, the lowest in the series.
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
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, Asse · 1 establishment unit since 2021
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.
Z. 3 Doornveld 160-1691731 AsseGround area
3,727 m²
Building footprint
3,140 m²
Volume, LiDAR
38,088 m³
2 parcels, Brussels, Flanders · tallest building 44.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
BFC
since 20212.325.718.223
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23095B0028/00P002 | Flanders | 2,412 m² | 1 · 2,060 m² | 11.1 m · 3 fl. |
| 21908E0022/00F007 | Brussels | 1,315 m² | 1 · 1,080 m² | 44.6 m · 8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchaarbeek2.325.718.223
Similar companies · same sector and region
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 21,904 companies in sector 56112 we hold annual accounts for 9,781.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2020
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.