L&B BOUWONDERNEMING
ActiveL&B BOUWONDERNEMING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €945. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 7376 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-1
Solvency69▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 2.12 in 2024; short-term debt: 50.2% and cash: 36.3% of total assets), but 56% of the assets are financed with debt.
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 41
Relative position
BE, all sectors
reference
Sector 41
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44%
Return on assets
0.4%
Age of the figures
15 mo
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 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
27 d early
2022
21 d early
2020
25 d early
2019
61 d late
2018
56 d late
← 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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▲ 0.9%
2024 · €105k
2018: €46k
2019: €79k
2020: €93k
2022: €100k
2023: €108k
2024: €105k
2018 → 2025
Total assets
€242k▲ 14.1%
2024 · €212k
2018: €78k
2019: €110k
2020: €180k
2022: €171k
2023: €186k
2024: €212k
2018 → 2025
Net result
€945
2024 · €-3k
2018: €-7k
2019: €33k
2020: €14k
2022: €7k
2023: €8k
2024: €-3k
2018 → 2025
Working capital
€102k▲ 4.5%
2024 · €98k
2018: €50k
2019: €82k
2020: €75k
2022: €81k
2023: €97k
2024: €98k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€93k-€100k▲ 8.0%€108k▲ 7.9%€105k▼ 2.5%€106k▲ 0.9%
Operating result€22k-€16k▼ 24.3%€14k▼ 15.6%€6k▼ 54.9%€10k▲ 59.2%
Net result€14k-€7k▼ 48.1%€8k▲ 6.8%€-3k€945
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 59% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €242k
Fixed assets
€18k▼ 32.0%
Current assets
€224k▲ 20.6%
Equity and liabilities €242k
Equity
€106k▲ 0.9%
Debt
€135k▲ 27.1%
The debt ratio rises from 50.3% to 56.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€18k▲
2024 · €17k
Cash flow
€9k▲
2024 · €8k
Solvency
44.0%▼
2024 · 49.7%
Current ratio
1.84▼
2024 · 2.12
Quick ratio
1.32▲
2024 · 0.61
Debt / equity
1.27▲
2024 · 1.01
ROE
0.9%▲
2024 · -2.6%
ROA
0.4%▲
2024 · -1.3%
Interest coverage
2.44▼
2024 · 2.80
Debt
€135k▲
2024 · €107k
Debt ≤ 1 year
€121k▲
2024 · €88k
Debt > 1 year
€14k▼
2024 · €19k
Income taxes
€1k▼
2024 · €3k
Staff costs
€38k▲
2024 · €32k
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€212k€242k▲
Fixed assets21/28€26k€18k▼
Tangible fixed assets22/27€26k€18k▼
Plant, machinery and equipment23€3k-
Furniture and vehicles24€24k€18k▼
Current assets29/58€186k€224k▲
Stocks and contracts in progress3€132k€64k▼
Stocks30/36€132k€64k▼
Amounts receivable within one year40/41€29k€73k▲
Trade receivables40€29k€73k▲
Cash at bank and in hand54/58€23k€88k▲
Deferred charges and accrued income490/1€915-
Equity and liabilities
Total equity and liabilities10/49€212k€242k▲
Equity10/15€105k€106k▲
Contributions10/11€33k€33k=
Reserves13€72k€73k▲
Distributable reserves133€72k€73k▲
Amounts payable17/49€107k€135k▲
Amounts payable after more than one year17€19k€14k▼
Financial debts170/4€19k€14k▼
Amounts payable within one year42/48€88k€121k▲
Current portion of amounts payable after more than one year42€59k€55k▼
Trade debts44-€44k
Suppliers440/4-€44k
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Other amounts payable47/48€25k€17k▼
Income statement
Code20242025
Remuneration, social security and pensions62€32k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€8k▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€12k-
Gross operating margin9900€64k€62k▼
Operating profit (loss)9901€6k€10k▲
Financial income75/76B€5€33▲
Recurring financial income75€5€33▲
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€254€2k▲
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€-3k€945▲
Profit (loss) for the period to be appropriated9905€-3k€945▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€945▲
Transfer from equity791/2€3k-
Transfer to equity691/2-€945
To other reserves6921-€945
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
Next filing, fiscal year 2026, expected by
2026
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €945
Net result €945 after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €100kEq €100k ▲8%
3 profitable years in a row build equity to €100k.
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 56 days late
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 51 days late
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zutendaal · 2 establishment units since 2013
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.
Kattestaartstraat 273690 ZutendaalGround area
5,642 m²
Building footprint
664 m²
Volume, LiDAR
3,159 m³
3 parcels, Flanders · tallest building 17.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
L&B BOUWONDERNEMING
since 20132.232.638.112
L&B Bouwonderneming
since 20182.276.760.937
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71067B0269/00R000 | Flanders | 2,158 m² | 1 · 271 m² | 8.7 m · 2 fl. |
| 71067B0437/00E002 | Flanders | 2,049 m² | 1 · 198 m² | 17.4 m · 1 fl. |
| 71067B0456/00Y000 | Flanders | 1,434 m² | 1 · 195 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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 · 560 EUR awarded · 198 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 560 EUR | 198 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,451 companies in sector 41003 we hold annual accounts for 1,055. 749 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-08-2013
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.