J.-E. L.

Active

Private limited companyfounded 20242 yrs activeBrand Whitlocklaan 149, 1200 Sint-Lambrechts-Woluwe, BelgiumKBO/BCE: BE 1005.791.020

Summary

The computed 12-month bankruptcy probability of J.-E. L. is 1.9% (moderate). The annual accounts of J.-E. L. for fiscal year 2025 show a net loss of 121% of total assets and of 67% of the equity at the start of that year. The 2025 annual accounts show equity of €3k and a net result of €-6k. Its solvency ranks better than 60% of 3480 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

55 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-100

Solvency86▼-14

Growth22

Track record82

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

balance sheet total too small for a liquidity verdict.

How do we compute the score and the probability?

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

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 74

Relative position

BE, all sectors

reference

Sector 74

lower

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2025

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 2 filings

Deviation from the deadline

2025

20 d late

2024

26 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€5k▼ 86.3%

2024 · €33k

2024: €33k

2024 → 2025

EBIT margin

-123.6%▼ 148.9pp

2024 · 25.3%

2024: 25.3%

2024 → 2025

Net result

€-6k

2024 · €7k

2024: €7k

2024 → 2025

Working capital

€3k▼ 66.5%

2024 · €9k

2024: €9k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Turnover€33k-€5k▼ 86.3%

Equity€9k-€3k▼ 66.5%

Operating result€8k-€-6k

Net result€7k-€-6k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €6k after €8k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €5k

61.1%

38.9%

Equity €3k ▼ 66.5%

Debt €2k ▲ 1.2%

Debt's share of the balance-sheet total rises from 17.4% to 38.9%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

Debt ≤ 1 year

€2k▲

2024 · €2k

Income taxes

€22▼

2024 · €2k

Ratios withheld: a balance sheet total of €5k is too small for a meaningful ratio.

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 · 28 lines

Balance sheet Code20242025

Assets

Total assets20/58€10k€5k▼

Current assets29/58€10k€5k▼

Amounts receivable within one year40/41€8k€3k▼

Other amounts receivable41€8k€3k▼

Current investments50/53€2k-

Cash at bank and in hand54/58€595€2k▲

Equity and liabilities

Total equity and liabilities10/49€10k€5k▼

Equity10/15€9k€3k▼

Contributions10/11€2k€2k=

Profit (loss) carried forward14€7k€858▼

Amounts payable17/49€2k€2k▲

Amounts payable within one year42/48€2k€2k▲

Taxes, remuneration and social security45€2k€2k▲

Taxes450/3€2k€2k▲

Income statement Code20242025

Turnover70€33k€5k▼

Goods, raw materials, services and sundry goods60/61€25k€10k▼

Gross operating margin9900€8k€-6k▼

Operating profit (loss)9901€8k€-6k▼

Financial income75/76B€7€5▼

Recurring financial income75€7€5▼

Financial charges65/66B€63€58▼

Recurring financial charges65€63€58▼

Profit (loss) for the period before taxes9903€8k€-6k▼

Income taxes67/77€2k€22▼

Profit (loss) for the period9904€7k€-6k▼

Profit (loss) for the period to be appropriated9905€7k€-6k▼

Appropriation of the result

Profit (loss) to be appropriated9906€7k€858▼

Profit (loss) brought forward from the previous period14P-€7k

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

20-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 20 days late

2025

26-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 26 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Brand Whitlocklaan 1491200 Sint-Lambrechts-Woluwe

Ground area

648 m²

Building footprint

229 m²

Volume, LiDAR

5,989 m³

Parcel 21673D0157/00B015, Brussels · tallest building 31.1 m, ±9 floors. Linked by address, not a title deed.

1 establishment unit

J.-E. L.

Brand Whitlocklaan 149, 1200 Sint-Lambrechts-WoluweComputing infrastructure, data processing, hosting and other information service activities

since 20242.355.806.435

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21673D0157/00B015	Brussels	648 m²	1 · 229 m²	31.1 m · 9 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.

Similar companies · same sector, comparable size

Of 4,567 companies in sector 74999 we hold annual accounts for 1,938. 480 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

Founded08-02-2024

Fiscal year end31-12

Activities, NACEBEL 2025

74999Other professional, scientific and technical activities

63100Computing infrastructure, data processing, hosting and related activities

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.