L & C
ActiveL & C has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €473k and a net result of €40k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 70% of 31191 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
61
/ 100
Healthy▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-7
Solvency72▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.75 against 0.46 in 2024), and 25% 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○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 · 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
75%
Return on assets
6.3%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
29 d early
2023
68 d early
2022
28 d early
2021
58 d early
2020
61 d early
2019
63 d early
← 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
08-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€473k▲ 9.2%
2024 · €433k
2018: €244k
2019: €281k
2020: €321k
2021: €354k
2022: €345k
2023: €391k
2024: €433k
2018 → 2025
Total assets
€630k▲ 6.0%
2024 · €595k
2018: €602k
2019: €606k
2020: €632k
2021: €620k
2022: €571k
2023: €583k
2024: €595k
2018 → 2025
Net result
€40k▼ 6.0%
2024 · €42k
2018: €16k
2019: €37k
2020: €40k
2021: €35k
2022: €46k
2023: €45k
2024: €42k
2018 → 2025
Working capital
€-22k▲ 38.4%
2024 · €-35k
2018: €-17k
2019: €-21k
2020: €-4k
2021: €-11k
2022: €-65k
2023: €-62k
2024: €-35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€354k-€345k▼ 2.4%€391k▲ 13.1%€433k▲ 10.8%€473k▲ 9.2%
Operating result€62k-€76k▲ 22.2%€75k▼ 2.1%€71k▼ 5.1%€66k▼ 6.6%
Net result€35k-€46k▲ 32.1%€45k▼ 0.8%€42k▼ 6.5%€40k▼ 6.0%
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 has fallen three years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €630k
Fixed assets
€565k=
Current assets
€65k▲ 120%
Equity and liabilities €630k
Equity
€473k▲ 9.2%
Debt
€157k▼ 2.7%
The debt ratio falls from 27.2% to 25.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€68k▼
2024 · €72k
Cash flow
€41k▼
2024 · €43k
Solvency
75.0%▲
2024 · 72.8%
Current ratio
0.75▲
2024 · 0.46
Quick ratio
0.75▲
2024 · 0.46
Debt / equity
0.33▼
2024 · 0.37
ROE
8.4%▼
2024 · 9.8%
ROA
6.3%▼
2024 · 7.1%
Interest coverage
9.52▲
2024 · 9.27
Debt
€157k▼
2024 · €162k
Debt ≤ 1 year
€87k▲
2024 · €65k
Debt > 1 year
€66k▼
2024 · €93k
Income taxes
€21k▼
2024 · €22k
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€595k€630k▲
Fixed assets21/28€565k€565k=
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€740€446▼
Furniture and vehicles24€2k€2k▲
Financial fixed assets28€563k€563k=
Current assets29/58€30k€65k▲
Amounts receivable within one year40/41€23k€55k▲
Trade receivables40€0€17k▲
Other amounts receivable41€23k€37k▲
Cash at bank and in hand54/58€3k€7k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€595k€630k▲
Equity10/15€433k€473k▲
Contributions10/11€12k€12k=
Reserves13€417k€457k▲
Tax-exempt reserves132€9k€9k=
Distributable reserves133€408k€448k▲
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€162k€157k▼
Amounts payable after more than one year17€93k€66k▼
Financial debts170/4€93k€66k▼
Amounts payable within one year42/48€65k€87k▲
Current portion of amounts payable after more than one year42€17k€0▼
Financial debts43€25k€35k▲
Credit institutions430/8€25k€35k▲
Trade debts44€703€1k▲
Suppliers440/4€703€1k▲
Advances received on contracts in progress46€5k€0▼
Taxes, remuneration and social security45€17k€23k▲
Taxes450/3€17k€23k▲
Other amounts payable47/48-€28k
Accrued charges and deferred income492/3€4k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€73k€69k▼
Operating profit (loss)9901€71k€66k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€64k€61k▼
Income taxes67/77€22k€21k▼
Profit (loss) for the period9904€42k€40k▼
Profit (loss) for the period to be appropriated9905€42k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€43k▼
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer to equity691/2€42k€40k▼
To other reserves6921€42k€40k▼
The notes to these accounts (9 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €46k ▲32.1%
Operating result €76k, net result €46k, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Sint-Pieters-Leeuw · 1 establishment unit since 2006
Ground area
911 m²
Building footprint
141 m²
Parcel 23582E0062/02L000, Flanders. Linked by address, not a title deed.
1 establishment unit
L&C
since 20062.151.774.358
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582E0062/02L000 | Flanders | 911 m² | 1 · 141 m² | - |
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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FIN-esse
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CLAMA MANAGEMENT CY
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WIPLAW
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Of 82,127 companies in sector 70200 we hold annual accounts for 52,337. 35,001 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.