L & B
ActiveL & B has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-1k) and a net result of €-1k. Equity is shrinking by ~47.6% per year across the filed fiscal years. Its solvency ranks better than 13% of 794 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency46▲+33
Growth52=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.07 against 1.08 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
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
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
-1.4%
Return on assets
-1.5%
Age of the figures
14 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€1k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
24 d early
2023
41 d early
2022
26 d early
2021
41 d early
2020
41 d early
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-1k
2024 · €37
2019: €-10k
2020: €10k
2021: €7k
2022: €4k
2023: €3k
2024: €37
2019 → 2025
Total assets
€99k▼ 1.4%
2024 · €100k
2019: €121k
2020: €116k
2021: €105k
2022: €101k
2023: €100k
2024: €100k
2019 → 2025
Net result
€-1k▲ 53.8%
2024 · €-3k
2019: €13k
2020: €20k
2021: €-4k
2022: €-3k
2023: €-1k
2024: €-3k
2019 → 2025
Working capital
€6k▼ 18.8%
2024 · €8k
2019: €-3k
2020: €18k
2021: €15k
2022: €12k
2023: €11k
2024: €8k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€4k▼ 36.7%€3k▼ 27.0%€37▼ 98.8%€-1k
Operating result€-3k-€-2k▲ 45.1%€-1k▲ 36.2%€-3k▼ 172%€-1k▲ 54.4%
Net result€-4k-€-3k▲ 29.0%€-1k▲ 53.5%€-3k▼ 167%€-1k▲ 53.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €3k in 2024; the loss shrinks.
Key figures and ratios
Solvency
-1.4%▼
2024 · 0.0%
Current ratio
1.07▼
2024 · 1.08
Quick ratio
1.07▼
2024 · 1.08
Debt / equity
-70.79
ROE
102.7%
ROA
-1.5%▲
2024 · -3.1%
Debt
€100k=
2024 · €100k
Debt ≤ 1 year
€92k=
2024 · €92k
Debt > 1 year
€8k=
2024 · €8k
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€100k€99k▼
Current assets29/58€100k€99k▼
Amounts receivable within one year40/41€75k€75k=
Trade receivables40€43k€43k=
Other amounts receivable41€32k€32k=
Cash at bank and in hand54/58€25k€24k▼
Equity and liabilities
Total equity and liabilities10/49€100k€99k▼
Equity10/15€37€-1k▼
Contributions10/11€25k€25k=
Reserves13€53k€53k=
Distributable reserves133€53k€53k=
Profit (loss) carried forward14€-78k€-79k▼
Amounts payable17/49€100k€100k=
Amounts payable after more than one year17€8k€8k=
Financial debts170/4€8k€8k=
Amounts payable within one year42/48€92k€92k=
Trade debts44€46k€46k=
Suppliers440/4€46k€46k=
Taxes, remuneration and social security45€2k€2k=
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€45k€45k=
Income statement
Code20242025
Other operating charges640/8€446€449▲
Gross operating margin9900€-3k€-965▲
Operating profit (loss)9901€-3k€-1k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€36€36▲
Recurring financial charges65€36€36▲
Profit (loss) for the period before taxes9903€-3k€-1k▲
Profit (loss) for the period9904€-3k€-1k▲
Profit (loss) for the period to be appropriated9905€-3k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-78k€-79k▼
Profit (loss) brought forward from the previous period14P€-75k€-78k▼
The notes to these accounts (3 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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-4k ▼118%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Highest result since 2019net €20k ▲54.3%
Operating result €21k, net result €20k, both a record.
24-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hasselt · 1 establishment unit since 1997
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.
Monerikstraat 253511 HasseltGround area
887 m²
Building footprint
172 m²
Volume, LiDAR
638 m³
Parcel 71032B0602/00P005, Flanders · tallest building 5.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PANOS
since 19972.083.413.708
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71032B0602/00P005 | Flanders | 887 m² | 1 · 172 m² | 5.6 m · 1 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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MIMI WONKA
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TUBBAX
BE 0650.863.466
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Bakkerij MEES
BE 0463.235.574
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DELISE
BE 0786.399.586
Tubize · Eq €107
VAN DESSEL
BE 0817.128.097
Dilbeek · Eq €189
Of 4,200 companies in sector 10712 we hold annual accounts for 1,851. 7 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-1997
Fiscal year end30-06
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.