B & LIZ
ActiveB & LIZ has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €8k and a net result of €3k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 75% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+91
Solvency94▲+22
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.23 against 1.89 in 2023; short-term debt: 31% and cash: 33.4% of total assets), and 31% 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 · 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 →
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
69%
Return on assets
28.6%
Age of the figures
21 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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
57 d late
2023
16 d late
2022
29 d early
2021
18 d early
2020
20 d late
2019
48 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€8k▲ 70.6%
2023 · €5k
2018: €2k
2019: €10k
2020: €-452
2021: €4k
2022: €6k
2023: €5k
2018 → 2024
Total assets
€12k▲ 16.7%
2023 · €10k
2018: €10k
2019: €19k
2020: €5k
2021: €11k
2022: €11k
2023: €10k
2018 → 2024
Net result
€3k
2023 · €-1k
2018: €-2k
2019: €8k
2020: €-11k
2021: €4k
2022: €2k
2023: €-1k
2018 → 2024
Working capital
€8k▲ 70.6%
2023 · €5k
2018: €2k
2019: €10k
2020: €-452
2021: €4k
2022: €6k
2023: €5k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-452-€4k€6k▲ 52.0%€5k▼ 19.3%€8k▲ 70.6%
Operating result€-11k-€5k€2k▼ 51.3%€-991€4k
Net result€-11k-€4k€2k▼ 53.4%€-1k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €4k after a loss of €991 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €12k
Equity
€8k▲ 70.6%
Debt
€4k▼ 31.5%
The debt ratio falls from 52.8% to 31.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
69.0%▲
2023 · 47.2%
Current ratio
3.23▲
2023 · 1.89
Quick ratio
3.23▲
2023 · 1.89
Debt / equity
0.45▼
2023 · 1.12
ROE
41.4%▲
2023 · -23.9%
ROA
28.6%▲
2023 · -11.3%
Debt
€4k▼
2023 · €5k
Debt ≤ 1 year
€4k▼
2023 · €5k
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€10k€12k▲
Current assets29/58€10k€12k▲
Amounts receivable within one year40/41€6k€8k▲
Other amounts receivable41€6k€8k▲
Cash at bank and in hand54/58€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€10k€12k▲
Equity10/15€5k€8k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€-8k€-4k▲
Amounts payable17/49€5k€4k▼
Amounts payable within one year42/48€5k€4k▼
Financial debts43€5k€4k▼
Other loans439€5k€4k▼
Trade debts44€384€187▼
Suppliers440/4€384€187▼
Income statement
Code20232024
Other operating charges640/8€2k€505▼
Gross operating margin9900€562€4k▲
Operating profit (loss)9901€-991€4k▲
Financial income75/76B€6-
Recurring financial income75€6-
Financial charges65/66B€165€169▲
Recurring financial charges65€165€169▲
Profit (loss) for the period before taxes9903€-1k€3k▲
Profit (loss) for the period9904€-1k€3k▲
Profit (loss) for the period to be appropriated9905€-1k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-4k▲
Profit (loss) brought forward from the previous period14P€-6k€-8k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
08-09
State Gazette act
Board meeting · Registered-office moveBoard meeting · Registered-office move2 facts ▸
State Gazette act
Board meeting · Registered-office move
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-02-01
- Registered-office move, Lange Lozanastraat 110, 2018 Antwerpen
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
02-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Weakest financial yearnet €-11k ▼237%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 25 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
27-10-2025
Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2014
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.
Lange Lozanastraat 642018 AntwerpenGround area
245 m²
Building footprint
171 m²
Volume, LiDAR
1,796 m³
2 parcels, Flanders · tallest building 15.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
B & LIZ CONSTRUCT
since 20142.226.071.707
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1629/00H005 | Flanders | 178 m² | 1 · 104 m² | 13.5 m · 3 fl. |
| 11810K1667/00T000 | Flanders | 67 m² | 1 · 67 m² | 15.2 m · 4 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
Por-Konekto
BE 0765.922.292
Zele · Eq €8k
SPEGRO
BE 0693.676.001
Geel · Eq €8k
ROTA CONSTRUCT
BE 0830.868.841
Brussel · Eq €8k
RENOVISION
BE 0507.631.484
Kortrijk · Eq €8k
EVC BUILDING
BE 0781.797.630
Sint-Pieters-Leeuw · Eq €8k
Of 4,097 companies in sector 43240 we hold annual accounts for 1,631. 820 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-01-2014
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
43120Site preparation
43310Plastering work
43320Joinery installation
43350Other building finishing work
43410Roofing work
43422Screed work
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
47722Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.