I&L

Active

Private limited companyfounded 2010active for 16 yearsRoggeveldenstraat 5, 2223 Heist-op-den-Berg, BelgiumKBO/BCE: BE 0822.705.993

Summary

I&L has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6,177 and a net result of €2,947. Equity is shrinking by about 10% per year across the filed financial years. Its solvency ranks better than 23% of 34,747 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Risk analysisFollow Report Compare

I&LActiveChecked score 81/100

Risk analysis Report Compare

Activity

Plumbing work

NACE 43221

1 site

Size

€28,592total assets 2025

Equity: €6,177
Profit: €2,947

Turnover not published (micro format)

Financial health

81 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.5%

Structure

Ludo Van DyckDirector

2025 accounts 1 day early2 of 3 deeds summarised

Why 81raises riskFigures for financial year 2025 (filed 30-10-2025)Sector: Specialised construction activities (NACE 43)lowers riskFounded in 2010Size: total assets €28,592Show the evidence

Checked score

Score 2025

81 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 49% of its sector peers (NACE 43, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 47-33

equity 21.6% of total assets

Liquidity 31-34

short-term debt 78.4% · cash 18.8%

Profitability 82+50

return on assets 10.3%

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,644 companies, NACE 43, micro)

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025lowest value 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.3%▲ +0.1 percentage points vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.5%▲ +0.2 percentage points vs 09-2026highest value

Credit of up to €500 on 30-day terms is acceptable

Liquidity insufficient (current ratio 0.97, compared with 2.24 in 2024, below 1; short-term debt: 78.4% and cash: 18.8% of total assets), and 78.4% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 23% on solvency, 19% on liquidity, 63% on profitability and 90% on growth.

The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.

lowers riskraises riskneutral

Founded in 2010

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Figures for financial year 2025 (filed 30-10-2025)

NBB · annual accounts

Size: total assets €28,592

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Sector: Specialised construction activities (NACE 43)

KBO

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 34747 sector peers (2025).

NBB · sector comparison

Position among 34747 sector peers

Solvency

better than 23%

← weakest strongest →

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

19202122232425

2019 to 2025 · latest year €6,177

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

1 day early

2024

on the day

2023

14 days late

2022

3 days late

2021

65 days late

2020

430 days late

2019

on the day

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 73 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 31-03-2026 is due by 31-10-2026. Nothing is late today. The company usually files around 3 November (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

31-03-2026 year end28-10-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

30-10-2025 Annual accounts filedfinancial year 2025 · micro…
31-03-2025 Back to profitnet €2,947
31-10-2024 Annual accounts filedfinancial year 2024 · micro…

Key points

Caution: Among the weakest 14% on equitysector median €57,780 · 34,759 companies €6,177 View
One director decidessole director in office 1 View
Total assets 20256 financial years filed €28,592 View

By topic

Financials

Financial year: 2025
Total assets: €28,592
Profit: €2,947
Solvency: 21.6%

Total assets▲ 386%

Net result

20192025

Go to Financials

Board & ownership

Board: 1 member

Ludo Van DyckDirector

Go to Board & ownership

Timeline

Events: 20
Since: 2012
Next accounts: by 31-10-2026

03-05-2024Registered office · Legal-form change · Name
02-04-2024Resignations: De Bolle Jürgen (director) and Simon…
14-11-2023Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Plumbing workNACE 43221
Founded: 28-01-2010
Year ends: 31-03
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 19

Who signs: Each director alone
Annual meeting: Third Friday of September at 20:00
Purpose: “Renovatie- en restauratiewerken; Plafoneerder- en cementwerken zoals onder meer het…” (deed in Dutch)

Go to Articles of association

Key facts about I&L

What is the company number of I&L?: 0822.705.993. In Belgium the VAT number is the company number with BE in front: BE 0822.705.993.
Where is I&L based?: The registered office is at Roggeveldenstraat 5, 2223 Heist-op-den-Berg.Company details
What does I&L do?: According to the KBO register, the main activity is plumbing work (NACE 43221).
What is the legal form of I&L?: Private limited company (BV).
When was I&L founded?: On 28-01-2010.
Is I&L still active?: Yes, I&L is an active enterprise in the KBO register.
What is the turnover of I&L?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is I&L profitable?: In financial year 2025, I&L made a profit of €2,947.
Where can I find the annual accounts of I&L?: I&L filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of I&L due?: By 31-10-2026, for financial year 2026.Timeline