L&B Consultancy
ActiveL&B Consultancy has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €146k and a net result of €27. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 4418 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
83
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.01 against 64.69 in 2024), and 24.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
75.7%
Return on assets
0%
Age of the figures
8 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 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 7 filingsDeviation from the deadline
2025
10 d late
2024
19 d late
2023
29 d late
2022
on the day
2021
3 d late
2020
30 d late
2019
60 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€146k▼ 29.5%
2024 · €207k
2019: €65k
2020: €110k
2021: €131k
2022: €96k
2023: €146k
2024: €207k
2019 → 2025
Total assets
€193k▼ 8.3%
2024 · €210k
2019: €70k
2020: €114k
2021: €146k
2022: €164k
2023: €161k
2024: €210k
2019 → 2025
Net result
€27▼ 100.0%
2024 · €61k
2019: €59k
2020: €45k
2021: €42k
2022: €25k
2023: €61k
2024: €61k
2019 → 2025
Working capital
€141k▼ 29.5%
2024 · €200k
2019: €65k
2020: €110k
2021: €122k
2022: €84k
2023: €136k
2024: €200k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€131k-€96k▼ 26.5%€146k▲ 51.2%€207k▲ 42.0%€146k▼ 29.5%
Operating result€54k-€33k▼ 39.4%€78k▲ 137%€73k▼ 6.7%€40▼ 99.9%
Net result€42k-€25k▼ 40.3%€61k▲ 143%€61k▼ 0.3%€27▼ 100.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 100% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193k
Fixed assets
€5k▼ 29.7%
Current assets
€188k▼ 7.6%
Equity and liabilities €193k
Equity
€146k▼ 29.5%
Debt
€47k▲ 1,393%
The debt ratio rises from 1.5% to 24.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€2k▼
2024 · €76k
Cash flow
€2k▼
2024 · €65k
Solvency
75.7%▼
2024 · 98.5%
Current ratio
4.01▼
2024 · 64.69
Quick ratio
4.01▼
2024 · 64.69
Debt / equity
0.32▲
2024 · 0.02
ROE
0.0%▼
2024 · 29.6%
ROA
0.0%▼
2024 · 29.1%
Interest coverage
14.81▼
2024 · 522.77
Debt
€47k▲
2024 · €3k
Debt ≤ 1 year
€47k▲
2024 · €3k
Income taxes
€281▼
2024 · €17k
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€210k€193k▼
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Land and buildings22€1k€1k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€1k€152▼
Current assets29/58€203k€188k▼
Amounts receivable within one year40/41€18k€33k▲
Trade receivables40€13k€22k▲
Other amounts receivable41€5k€11k▲
Current investments50/53€55k€55k=
Cash at bank and in hand54/58€131k€100k▼
Equity and liabilities
Total equity and liabilities10/49€210k€193k▼
Equity10/15€207k€146k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€186k€125k▼
Amounts payable17/49€3k€47k▲
Amounts payable within one year42/48€3k€47k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45-€10k
Taxes450/3-€10k
Other amounts payable47/48€2k€34k▲
Income statement
Code20242025
Non-recurring operating income76A-€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€826€298▼
Gross operating margin9900€77k€2k▼
Operating profit (loss)9901€73k€40▼
Financial income75/76B€5k€413▼
Recurring financial income75€5k€413▼
Financial charges65/66B€146€145▼
Recurring financial charges65€146€145▼
Profit (loss) for the period before taxes9903€78k€308▼
Income taxes67/77€17k€281▼
Profit (loss) for the period9904€61k€27▼
Profit (loss) for the period to be appropriated9905€61k€27▼
Appropriation of the result
Profit (loss) to be appropriated9906€186k€186k=
Profit (loss) brought forward from the previous period14P€125k€186k▲
Profit to be distributed694/7-€61k
Return on contributions (dividend)694-€61k
The notes to these accounts (6 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Weakest financial yearnet €27 ▼100%
Net result drops to €27, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Liquidity times 7current ratio 64.69
Current ratio from 9.72 to 64.69; short-term debt falls from €16k to €3k.
31-12
Financial
Equity above €200kEq €207k ▲42%
6 profitable years in a row build equity to €207k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2019net €61k ▲143%
Operating result €78k, net result €61k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 9.72
Current ratio from 2.25 to 9.72; short-term debt falls from €67k to €16k.
31-12
Financial
Equity above €100kEq €146k ▲51.2%
5 profitable years in a row build equity to €146k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Equity above €100kEq €110k ▲68.6%
2 profitable years in a row build equity to €110k.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
05-10-2020
Resigned as Director
Location & real-estate footprint
Registered office, Beerse · 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.
Eendenstraat 18A2340 BeerseGround area
1,211 m²
Building footprint
105 m²
Volume, LiDAR
1,221 m³
Parcel 13004E0001/00L087, Flanders · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Eendenstraat 18A, 2340 Beerse
since 20182.275.089.072
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004E0001/00L087 | Flanders | 1,211 m² | 1 · 105 m² | 16.3 m · 4 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
M&Y FACILITY
BE 0724.729.758
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TRUST OFFICE
BE 0845.641.644
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Adviesbureau Cleemput K
BE 0568.552.434
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JANSEN SERVICES
BE 0836.989.145
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H.B.S.
BE 0442.982.271
Raeren · Eq €148k
Of 1,272 companies in sector 81100 we hold annual accounts for 672. 458 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2018
Fiscal year end31-12
Activities, NACEBEL
81100Combined facilities support activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.