B & L SOLUTIONS
ActiveSummary
The computed 12-month bankruptcy probability of B & L SOLUTIONS is 2.3% (moderate). The 2025 annual accounts show equity of €139k and a net result of €71k. Equity is growing by ~41.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 27786 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93=
Solvency63▼-15
Growth78=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 2.0 in 2024; short-term debt: 32.7% and cash: 28.5% of total assets), and 62% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
38%
Return on assets
19.5%
Age of the figures
9 mo
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 18-05-2026, 74 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
74 d early
2024
31 d early
2023
30 d early
2022
28 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, micro schema
Equity
€139k=
2024 · €139k
2022: €6k
2023: €89k
2024: €139k
2022 → 2025
Total assets
€365k▲ 38.5%
2024 · €264k
2022: €272k
2023: €248k
2024: €264k
2022 → 2025
Net result
€71k▲ 41.7%
2024 · €50k
2022: €2k
2023: €84k
2024: €50k
2022 → 2025
Working capital
€34k▼ 65.6%
2024 · €99k
2022: €-18k
2023: €54k
2024: €99k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€6k-€89k▲ 1,393%€139k▲ 55.3%€139k=
Operating result€2k-€114k▲ 6,989%€68k▼ 40.7%€85k▲ 26.0%
Net result€2k-€84k▲ 4,610%€50k▼ 40.3%€71k▲ 41.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 26% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €365k
Fixed assets
€212k ▲ 217%
Current assets
€153k ▼ 22.2%
Equity and liabilities €365k
Equity
€139k =
Debt
€227k ▲ 81.2%
Debt's share of the balance-sheet total rises from 47.4% to 62.0%. Debt is higher.
Key figures and ratios
EBITDA
€130k▲
2024 · €99k
Cash flow
€116k▲
2024 · €81k
Current ratio
1.28▼
2024 · 2.00
Quick ratio
1.04▼
2024 · 1.53
Debt to equity
1.63▲
2024 · 0.90
ROE
51.3%▲
2024 · 36.2%
ROA
19.5%▲
2024 · 19.1%
Interest coverage
71.23▲
2024 · 40.94
Debt ≤ 1 year
€119k▲
2024 · €98k
Debt > 1 year
€107k▲
2024 · €27k
Income taxes
€15k▼
2024 · €18k
Staff costs
€84k▲
2024 · €58k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€264k€365k▲
Fixed assets21/28€67k€212k▲
Tangible fixed assets22/27€67k€212k▲
Land and buildings22-€111k
Plant, machinery and equipment23€28k€25k▼
Furniture and vehicles24€9k€54k▲
Leasing and similar rights25€24k€17k▼
Other tangible fixed assets26€5k€4k▼
Current assets29/58€197k€153k▼
Stocks and contracts in progress3€47k€29k▼
Stocks30/36€47k€29k▼
Amounts receivable within one year40/41€0€13k▲
Trade receivables40€0-
Other amounts receivable41€0€13k▲
Cash at bank and in hand54/58€148k€104k▼
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€264k€365k▲
Equity10/15€139k€139k=
Contributions10/11€5k€5k=
Reserves13€134k€134k=
Distributable reserves133€134k€134k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€125k€227k▲
Amounts payable after more than one year17€27k€107k▲
Financial debts170/4€27k€107k▲
Amounts payable within one year42/48€98k€119k▲
Current portion of amounts payable after more than one year42€23k€29k▲
Trade debts44€9k€13k▲
Suppliers440/4€9k€13k▲
Taxes, remuneration and social security45€26k€5k▼
Taxes450/3€21k€3k▼
Remuneration and social security454/9€5k€2k▼
Other amounts payable47/48€41k€73k▲
Income statement
Code20242025
Remuneration, social security and pensions62€58k€84k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€45k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€372€0▼
Other operating charges640/8€432€2k▲
Non-recurring operating charges66A€684€0▼
Gross operating margin9900€158k€217k▲
Operating profit (loss)9901€68k€85k▲
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€69k€87k▲
Income taxes67/77€18k€15k▼
Profit (loss) for the period9904€50k€71k▲
Profit (loss) for the period to be appropriated9905€50k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€71k▲
Transfer to equity691/2€49k€0▼
To other reserves6921€49k€0▼
Profit to be distributed694/7€859€71k▲
Return on contributions (dividend)694€859€71k▲
The notes to these accounts (12 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €139k ▲55.3%
3 profitable years in a row build equity to €139k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €84k ▲4610%
Operating result €114k, net result €84k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Waimes · 1 establishment unit since 2022
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 Fagnou,Thirimont 4B4950 WaimesGround area
9,135 m²
Building footprint
1,198 m²
Volume, LiDAR
7,601 m³
2 parcels, Wallonia · tallest building 12.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B & L SOLUTIONS
since 20222.327.444.922
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63080K0047/00K000 | Wallonia | 7,167 m² | - | - |
| 63080H0129/00T000 | Wallonia | 1,968 m² | 1 · 1,198 m² | 12.5 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
Charlier Construct
BE 0525.965.771
Overijse · Eq €138,930
DVS Poorten
BE 0678.971.591
Ninove · Eq €138,933
Etablissements KALBERT
BE 0446.088.548
Ciney · Eq €138,807
VC-CONSTRUCT
BE 0875.404.511
Herzele · Eq €138,755
HERTOGEN et Fils
BE 0455.780.828
Bassenge · Eq €138,729
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,667 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
Founded08-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
16230Manufacture of other builders' carpentry and joinery
41001General construction of residential buildings
43110Demolition
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.