Summary
L & A Investment is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €107k and a net result of €195k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 8023 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · 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 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €107k
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 28-04-2026, 94 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
94 d early
2024
70 d early
2023
21 d early
2022
75 d early
2021
9 d late
2020
12 d late
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 70.0%
2024 · €63k
2018: €94k
2019: €176k
2020: €22k
2021: €42k
2022: €150k
2023: €52k
2024: €63k
2018 → 2025
Net result
€195k▲ 0.3%
2024 · €194k
2018: €71k
2019: €82k
2020: €88k
2021: €170k
2022: €159k
2023: €117k
2024: €194k
2018 → 2025
Total assets
€290k▼ 19.0%
2024 · €358k
2018: €126k
2019: €248k
2020: €435k
2021: €335k
2022: €353k
2023: €372k
2024: €358k
2018 → 2025
Solvency
36.8%▲ 19.3pp
2024 · 17.6%
2018: 75.0%
2019: 71.1%
2020: 5.1%
2021: 12.5%
2022: 42.6%
2023: 14.0%
2024: 17.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€150k▲ 260%€52k▼ 65.4%€63k▲ 20.5%€107k▲ 70.0%
Operating result€222k-€207k▼ 6.7%€149k▼ 28.0%€251k▲ 68.9%€257k▲ 2.4%
Net result€170k-€159k▼ 6.3%€117k▼ 26.5%€194k▲ 66.1%€195k▲ 0.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €290k
Fixed assets
€174k ▲ 84.1%
Current assets
€115k ▼ 56.2%
Equity and liabilities €290k
Equity
€107k ▲ 70.0%
Debt
€183k ▼ 38.0%
Debt's share of the balance-sheet total falls from 82.4% to 63.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
182.5%▼
2024 · 309.4%
ROA
67.2%▲
2024 · 54.3%
Debt ≤ 1 year
€152k▼
2024 · €254k
Debt > 1 year
€30k▼
2024 · €41k
Income taxes
€64k▲
2024 · €62k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€358k€290k▼
Fixed assets21/28€95k€174k▲
Tangible fixed assets22/27€95k€174k▲
Furniture and vehicles24€7k€17k▲
Other tangible fixed assets26€88k€157k▲
Current assets29/58€263k€115k▼
Amounts receivable within one year40/41€219k€42k▼
Trade receivables40€42k€42k=
Other amounts receivable41€177k€0▼
Cash at bank and in hand54/58€44k€73k▲
Equity and liabilities
Total equity and liabilities10/49€358k€290k▼
Equity10/15€63k€107k▲
Contributions10/11€22k€22k=
Profit (loss) carried forward14€41k€85k▲
Amounts payable17/49€295k€183k▼
Amounts payable after more than one year17€41k€30k▼
Financial debts170/4€41k€30k▼
Amounts payable within one year42/48€254k€152k▼
Current portion of amounts payable after more than one year42€12k€10k▼
Financial debts43€2€2=
Credit institutions430/8€2€2=
Trade debts44€993€32k▲
Suppliers440/4€993€32k▲
Taxes, remuneration and social security45€34k€35k▲
Taxes450/3€34k€35k▲
Other amounts payable47/48€207k€75k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€20k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€270k€279k▲
Operating profit (loss)9901€251k€257k▲
Financial income75/76B€8k€5k▼
Recurring financial income75€8k€5k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€256k€259k▲
Income taxes67/77€62k€64k▲
Profit (loss) for the period9904€194k€195k▲
Profit (loss) for the period to be appropriated9905€194k€195k▲
Appropriation of the result
Profit (loss) to be appropriated9906€224k€236k▲
Profit (loss) brought forward from the previous period14P€30k€41k▲
Profit to be distributed694/7€184k€151k▼
Return on contributions (dividend)694€180k€150k▼
Directors or managers695€4k€816▼
The notes to these accounts (8 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €195k ▲0.3%
Operating result €257k, net result €195k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲70%
8 profitable years in a row build equity to €107k.
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €150k ▲260%
5 profitable years in a row build equity to €150k.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €176k ▲87.2%
2 profitable years in a row build equity to €176k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Waregem · 1 establishment unit since 2017
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.
Flanders-Fieldweg 418790 WaregemGround area
6,733 m²
Building footprint
4,681 m²
Volume, LiDAR
23,192 m³
Parcel 34452B0863/00X010, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L&A INVESTMENT
since 20172.270.805.434
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34452B0863/00X010 | Flanders | 6,733 m² | 1 · 4,681 m² | 7.2 m · 2 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.
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Lummen · Eq €106,716
GRIT Health&Sports Management
BE 0681.789.046
Aarschot · Eq €106,674
JOVACO
BE 0804.876.997
Anzegem · Eq €106,665
Leten Consulting
BE 0462.101.565
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,477 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
Founded11-12-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.