F&L Elegance
ActiveF&L Elegance has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €47k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency28▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
3.5%
Return on assets
27.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 16989 sector peers (2025).
NBB · sector comparisonPosition among 16989 sector peers
Solvency
better than 10%
← weakest
strongest →
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 23-03-2026, 130 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
130 d early
2024
42 d early
2023
44 d early
2022
on the day
2021
30 d late
2020
48 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 15.6%
2024 · €7k
2020: €-586
2021: €-6k
2022: €28k
2023: €65k
2024: €7k
2020 → 2025
Total assets
€172k▲ 6.3%
2024 · €162k
2020: €39k
2021: €40k
2022: €70k
2023: €86k
2024: €162k
2020 → 2025
Net result
€47k▼ 22.6%
2024 · €61k
2020: €-7k
2021: €-6k
2022: €35k
2023: €58k
2024: €61k
2020 → 2025
Working capital
€-22k▲ 9.1%
2024 · €-25k
2020: €10k
2021: €-5k
2022: €29k
2023: €57k
2024: €-25k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-6k-€28k€65k▲ 129%€7k▼ 88.9%€6k▼ 15.6%
Operating result€-5k-€39k€75k▲ 94.4%€78k▲ 3.6%€64k▼ 17.8%
Net result€-6k-€35k€58k▲ 68.6%€61k▲ 3.8%€47k▼ 22.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€83k▼ 18.7%
Current assets
€90k▲ 48.5%
Equity and liabilities €172k
Equity
€6k▼ 15.6%
Debt
€166k▲ 7.3%
The debt ratio rises from 95.6% to 96.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€87k▲
2024 · €85k
Cash flow
€70k▲
2024 · €68k
Solvency
3.5%▼
2024 · 4.4%
Current ratio
0.80▲
2024 · 0.71
Quick ratio
0.78▲
2024 · 0.68
Debt / equity
27.60▲
2024 · 21.70
ROE
777.5%▼
2024 · 847.5%
ROA
27.2%▼
2024 · 37.3%
Interest coverage
20.62▼
2024 · 182.95
Debt
€166k▲
2024 · €155k
Debt ≤ 1 year
€112k▲
2024 · €85k
Debt > 1 year
€53k▼
2024 · €70k
Income taxes
€13k▼
2024 · €17k
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€162k€172k▲
Fixed assets21/28€102k€83k▼
Intangible fixed assets21€21-
Tangible fixed assets22/27€102k€83k▼
Furniture and vehicles24€102k€83k▼
Current assets29/58€60k€90k▲
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€31k€29k▼
Trade receivables40€30k€27k▼
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€27k€57k▲
Deferred charges and accrued income490/1€45€2k▲
Equity and liabilities
Total equity and liabilities10/49€162k€172k▲
Equity10/15€7k€6k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€1k€30▼
Amounts payable17/49€155k€166k▲
Amounts payable after more than one year17€70k€53k▼
Financial debts170/4€70k€53k▼
Amounts payable within one year42/48€85k€112k▲
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44€2k€601▼
Suppliers440/4€2k€601▼
Taxes, remuneration and social security45€4k€10k▲
Taxes450/3€4k€10k▲
Other amounts payable47/48€62k€84k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€23k▲
Other operating charges640/8€709€963▲
Non-recurring operating charges66A€941-
Gross operating margin9900€86k€88k▲
Operating profit (loss)9901€78k€64k▼
Financial income75/76B€80€230▲
Recurring financial income75€80€230▲
Financial charges65/66B€463€4k▲
Recurring financial charges65€463€4k▲
Profit (loss) for the period before taxes9903€77k€60k▼
Income taxes67/77€17k€13k▼
Profit (loss) for the period9904€61k€47k▼
Profit (loss) for the period to be appropriated9905€61k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€119k€48k▼
Profit (loss) brought forward from the previous period14P€59k€1k▼
Profit to be distributed694/7€118k€48k▼
Return on contributions (dividend)694€118k€48k▼
The notes to these accounts (9 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €61k ▲3.8%
Operating result €78k, net result €61k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.68
Current ratio from 1.78 to 3.68; short-term debt falls from €37k to €21k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €35k
Net result €35k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.78
Current ratio from 0.86 to 1.78.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
17-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 48 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Seneffe · 1 establishment unit since 2020
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.
Place du Couvent 37181 SeneffeGround area
151 m²
Building footprint
62 m²
Parcel 52003B0386/00M000, Wallonia. Linked by address, not a title deed.
1 establishment unit
F&L Elegance SRL
since 20202.298.471.418
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52003B0386/00M000 | Wallonia | 151 m² | 1 · 62 m² | - |
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.
Similar companies · same sector, comparable size
IMAVICOM
BE 0770.636.294
Walhain · Eq €6k
Pipe et Jambe de Data
BE 1024.397.501
Les Bons Villers · Eq €6k
CEDRIC PITTOMVILS CONSULTING
BE 0790.208.916
Heist-op-den-Berg · Eq €6k
GorTech
BE 0804.573.230
Ath · Eq €6k
3RC
BE 0778.902.179
Bütgenbach · Eq €6k
Of 29,995 companies in sector 62200 we hold annual accounts for 18,391. 6,935 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2020
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.