L & B Consulting
ActiveL & B Consulting has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €660k and a net result of €265k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 91% of 31459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 3.34 against 81.38 in 2024), and 7.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
92.3%
Return on assets
37.1%
Age of the figures
14 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 28-01-2026, 3 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
3 d early
2024
9 d early
2023
28 d early
2022
26 d early
2021
on the day
2020
25 d early
2019
25 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 close11-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€660k▲ 67.2%
2024 · €395k
2019: €211k
2020: €328k
2021: €396k
2022: €329k
2023: €287k
2024: €395k
2019 → 2025
Total assets
€715k▲ 78.4%
2024 · €401k
2019: €269k
2020: €381k
2021: €417k
2022: €356k
2023: €403k
2024: €401k
2019 → 2025
Net result
€265k▲ 146%
2024 · €108k
2019: €75k
2020: €117k
2021: €68k
2022: €110k
2023: €57k
2024: €108k
2019 → 2025
Working capital
€122k▼ 47.5%
2024 · €233k
2019: €56k
2020: €170k
2021: €237k
2022: €172k
2023: €125k
2024: €233k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€396k-€329k▼ 16.7%€287k▼ 12.9%€395k▲ 37.7%€660k▲ 67.2%
Operating result€87k-€109k▲ 24.8%€62k▼ 43.2%€123k▲ 99.2%€184k▲ 50.2%
Net result€68k-€110k▲ 62.8%€57k▼ 48.0%€108k▲ 88.3%€265k▲ 146%
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 50% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €715k
Fixed assets
€541k▲ 228%
Current assets
€175k▼ 26.0%
Equity and liabilities €715k
Equity
€660k▲ 67.2%
Debt
€55k▲ 781%
The debt ratio rises from 1.6% to 7.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€205k▲
2024 · €125k
Cash flow
€286k▲
2024 · €110k
Solvency
92.3%▼
2024 · 98.4%
Current ratio
3.34▼
2024 · 81.38
Quick ratio
3.34▼
2024 · 81.38
Debt / equity
0.08▲
2024 · 0.02
ROE
40.2%▲
2024 · 27.4%
ROA
37.1%▲
2024 · 26.9%
Interest coverage
5250.64▲
2024 · 3122.92
Debt
€55k▲
2024 · €6k
Debt ≤ 1 year
€52k▲
2024 · €3k
Income taxes
€75k▲
2024 · €38k
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€401k€715k▲
Fixed assets21/28€165k€541k▲
Tangible fixed assets22/27€5k€404k▲
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€1k€402k▲
Financial fixed assets28€160k€136k▼
Current assets29/58€236k€175k▼
Amounts receivable within one year40/41€20k€24k▲
Trade receivables40€19k€24k▲
Other amounts receivable41€281-
Cash at bank and in hand54/58€214k€149k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€401k€715k▲
Equity10/15€395k€660k▲
Contributions10/11€80k€80k=
Reserves13€315k€580k▲
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Tax-exempt reserves132-€105k
Distributable reserves133€307k€467k▲
Amounts payable17/49€6k€55k▲
Amounts payable within one year42/48€3k€52k▲
Trade debts44€2k€9k▲
Suppliers440/4€2k€9k▲
Taxes, remuneration and social security45€644€43k▲
Taxes450/3€644€39k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€346€372▲
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€21k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€127k€208k▲
Operating profit (loss)9901€123k€184k▲
Financial income75/76B€23k€156k▲
Recurring financial income75€23k€156k▲
Financial charges65/66B€40€39▼
Recurring financial charges65€40€39▼
Profit (loss) for the period before taxes9903€146k€340k▲
Income taxes67/77€38k€75k▲
Profit (loss) for the period9904€108k€265k▲
Transfer to tax-exempt reserves689-€105k
Profit (loss) for the period to be appropriated9905€108k€160k▲
Appropriation of the result
Profit (loss) to be appropriated9906€108k€160k▲
Transfer to equity691/2€108k€160k▲
To other reserves6921€108k€160k▲
The notes to these accounts (7 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €265k ▲146%
Operating result €184k, net result €265k, both a record.
30-06
Financial
Equity above €500kEq €660k ▲67.2%
7 profitable years in a row build equity to €660k.
22-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity times 38current ratio 81.38
Current ratio from 2.12 to 81.38; short-term debt falls from €111k to €3k.
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €57k ▼48%
Net result drops to €57k, the lowest in the series; recovery starts the following year.
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Liquidity triplescurrent ratio 13.18
Current ratio from 4.34 to 13.18; short-term debt falls from €51k to €19k.
06-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Liquidity doublescurrent ratio 4.34
Current ratio from 2.04 to 4.34; short-term debt falls from €53k to €51k.
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lier · 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.
Ploeghoeveweg 12500 LierGround area
2,989 m²
Building footprint
1,941 m²
Volume, LiDAR
10 m³
Parcel 12392A0968/00A000, Flanders · tallest building 4.1 m. Linked by address, not a title deed.
1 establishment unit
L & B Consulting
since 20172.262.813.723
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0968/00A000 | Flanders | 2,989 m² | 1 · 1,941 m² | 4.1 m |
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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Of 82,190 companies in sector 70200 we hold annual accounts for 52,402. 32,084 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-03-2017
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
43222Installation of electric heating, air conditioning, cooling and ventilation
64200Holdings
64210Activities of holding companies
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.