L&B
ActiveL&B has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €16k and a net result of €-6k. Its solvency ranks better than 27% of 9518 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability32▼-57
Solvency47▼-3
Growth32
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.43 in 2023; short-term debt: 35.3% and cash: 6.6% of total assets), and 77.6% of the assets are financed with debt.
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
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 2024Solvency, return and age of the figures
Solvency
22.4%
Return on assets
-8.5%
Age of the figures
21 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-10-2025, 64 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 filingsDeviation from the deadline
2025
not confirmed
2024
64 d late
2023
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€16k▼ 27.5%
2023 · €22k
2023: €22k
2023 → 2024
Total assets
€72k▼ 17.6%
2023 · €88k
2023: €88k
2023 → 2024
Net result
€-6k
2023 · €14k
2023: €14k
2023 → 2024
Working capital
€5k▼ 50.0%
2023 · €11k
2023: €11k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€22k-€16k▼ 27.5%
Operating result€21k-€-4k
Net result€14k-€-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 2024: a loss of €4k after €21k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €72k
Fixed assets
€42k▼ 21.1%
Current assets
€31k▼ 12.5%
Equity and liabilities €72k
Equity
€16k▼ 27.5%
Debt
€56k▼ 14.3%
The debt ratio rises from 74.6% to 77.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2023 · €24k
Cash flow
€5k▼
2023 · €17k
Solvency
22.4%▼
2023 · 25.4%
Current ratio
1.21▼
2023 · 1.43
Quick ratio
1.21▼
2023 · 1.43
Debt / equity
3.47▲
2023 · 2.93
ROE
-38.0%▼
2023 · 63.1%
ROA
-8.5%▼
2023 · 16.0%
Interest coverage
2.84▼
2023 · 8.29
Debt
€56k▼
2023 · €65k
Debt ≤ 1 year
€26k▲
2023 · €25k
Debt > 1 year
€31k▼
2023 · €41k
Income taxes
€-209▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€88k€72k▼
Fixed assets21/28€53k€42k▼
Tangible fixed assets22/27€53k€42k▼
Furniture and vehicles24€2k€1k▼
Leasing and similar rights25€51k€40k▼
Current assets29/58€35k€31k▼
Amounts receivable within one year40/41€9k€26k▲
Trade receivables40€9k€13k▲
Other amounts receivable41-€13k
Cash at bank and in hand54/58€26k€5k▼
Equity and liabilities
Total equity and liabilities10/49€88k€72k▼
Equity10/15€22k€16k▼
Contributions10/11€500€500=
Reserves13€22k€16k▼
Distributable reserves133€22k€16k▼
Amounts payable17/49€65k€56k▼
Amounts payable after more than one year17€41k€31k▼
Financial debts170/4€41k€31k▼
Amounts payable within one year42/48€25k€26k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€2k€8k▲
Suppliers440/4€2k€8k▲
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€10k€7k▼
Other amounts payable47/48€3k-
Income statement
Code20232024
Non-recurring operating income76A€11k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€11k▲
Other operating charges640/8€949€783▼
Gross operating margin9900€25k€8k▼
Operating profit (loss)9901€21k€-4k▼
Financial income75/76B€69€375▲
Recurring financial income75€69€375▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€19k€-6k▼
Income taxes67/77€4k€-209▼
Profit (loss) for the period9904€14k€-6k▼
Profit (loss) for the period to be appropriated9905€14k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€-6k▼
Transfer from equity791/2-€6k
Transfer to equity691/2€14k-
To other reserves6921€14k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 64 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
NBB filing
Directors · office · real estate
Directors
4 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, Zandhoven · 1 establishment unit since 2018
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.
Heuvelheide 12240 ZandhovenGround area
980 m²
Building footprint
333 m²
Volume, LiDAR
1,573 m³
Parcel 11054B0118/00P000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KINELI
since 20182.272.827.487
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11054B0118/00P000 | Flanders | 980 m² | 1 · 333 m² | 8.0 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 378 EUR awarded · 378 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 378 EUR | 378 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 5,438 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2018
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
64200Holdings
64210Activities of holding companies
70100Activities of head offices
86905Human health activities
86951Physiotherapy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.