I & L Consult
ActiveI & L Consult has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €-3k. Equity is shrinking by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 48% of 7709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-9
Solvency73▼-13
Growth22=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.67 in 2024; short-term debt: 52.1% and cash: 2.5% of total assets), and 52.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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 2025Solvency, return and age of the figures
Solvency
47.9%
Return on assets
-6.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
31 d late
2023
31 d late
2022
66 d late
2021
31 d late
2020
90 d late
2019
122 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
Turnover
€19k▼ 30.3%
2020 · €27k
2019: €31k
2020: €27k
2019 → 2021
EBIT margin
5.5%▼ 15.4pp
2020 · 20.9%
2019: 20.6%
2020: 20.9%
2019 → 2021
Net result
€-3k▼ 151%
2024 · €-1k
2019: €-395
2020: €45
2021: €-5k
2022: €372
2023: €5k
2024: €-1k
2019 → 2025
Working capital
€6k▼ 62.2%
2024 · €15k
2019: €9k
2020: €12k
2021: €10k
2022: €12k
2023: €12k
2024: €15k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€19k-
Equity€40k-€40k▲ 0.9%€40k=€39k▼ 3.4%€26k▼ 32.3%
Operating result€1k-€4k▲ 250%€9k▲ 132%€-162€-2k▼ 1,021%
Net result€-5k-€372€5k▲ 1,304%€-1k€-3k▼ 151%
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 €2k in 2025 against €162 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€21k▼ 20.5%
Current assets
€34k▼ 8.8%
Equity and liabilities €55k
Equity
€26k▼ 32.3%
Debt
€29k▲ 16.0%
The debt ratio rises from 38.8% to 52.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€1k▼
2024 · €3k
Cash flow
€-572▼
2024 · €2k
Solvency
47.9%▼
2024 · 61.2%
Current ratio
1.20▼
2024 · 1.67
Quick ratio
1.20▼
2024 · 1.67
Debt / equity
1.09▲
2024 · 0.64
ROE
-13.2%▼
2024 · -3.5%
ROA
-6.3%▼
2024 · -2.2%
Interest coverage
5.56▼
2024 · 26.74
Debt
€29k▲
2024 · €25k
Debt ≤ 1 year
€29k▲
2024 · €23k
Income taxes
€1k▲
2024 · €1k
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€63k€55k▼
Fixed assets21/28€26k€21k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€26k€21k▼
Land and buildings22€20k€17k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€763€551▼
Current assets29/58€38k€34k▼
Amounts receivable within one year40/41€31k€33k▲
Trade receivables40€27k€28k▲
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€7k€1k▼
Deferred charges and accrued income490/1-€371
Equity and liabilities
Total equity and liabilities10/49€63k€55k▼
Equity10/15€39k€26k▼
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Reserves13€14k€14k=
Non-distributable reserves130/1€0-
Legal reserve130€0-
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€7k€-6k▼
Amounts payable17/49€25k€29k▲
Amounts payable within one year42/48€23k€29k▲
Financial debts43-€73
Credit institutions430/8-€73
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€17k€19k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€6k€7k▲
Gross operating margin9900€9k€8k▼
Operating profit (loss)9901€-162€-2k▼
Financial income75/76B-€4
Recurring financial income75-€4
Financial charges65/66B€115€192▲
Recurring financial charges65€115€192▲
Profit (loss) for the period before taxes9903€-276€-2k▼
Income taxes67/77€1k€1k▲
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€7k€-6k▼
Profit (loss) brought forward from the previous period14P€8k€-2k▼
The notes to these accounts (6 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Highest result since 2019net €5k ▲1304%
Operating result €9k, net result €5k, both a record.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Back to profitnet €372
Net result €372 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-5k ▼10660%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial
Back to profitnet €45
Net result €45 after one loss-making year.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
01-02
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 185 days late
01-02
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 550 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, Leopoldsburg · 1 establishment unit since 1983
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.
Koning Albert I-plein 253970 LeopoldsburgGround area
115 m²
Building footprint
109 m²
Volume, LiDAR
1,256 m³
Parcel 71034A0704/00A000, Flanders · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Koning Albert I-plein 25, 3970 Leopoldsburg
since 19832.036.338.519
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71034A0704/00A000 | Flanders | 115 m² | 1 · 109 m² | 14.6 m · 4 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 406 EUR awarded · 389 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 119 EUR | 102 EUR |
| 2024 | 1 | 99 EUR | 99 EUR |
| 2023 | 1 | 96 EUR | 96 EUR |
| 2022 | 1 | 92 EUR | 92 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,221 companies in sector 82100 we hold annual accounts for 3,511. 2,377 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-1983
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 41 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.