L&C IMMO
ActiveSummary
L&C IMMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (-€810,143) and a net result of €11,987. Equity is shrinking by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 9868 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9868 sector peers (2024).
NBB · sector comparisonPosition among 9868 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-10-2025, 67 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
67 d late
2023
61 d late
2022
85 d late
2021
23 d early
2020
22 d early
2019
92 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 43 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
-€810,143▲ 1.5%
2023 · -€822,129
Net result
€11,987
2023 · -€194,836
Total assets
€2.5m▼ 20.4%
2023 · €3.1m
Solvency
-32.7%▼ 6.3pp
2023 · -26.4%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€126,092▲ 39.6%€888,360▲ 605%€67,957▼ 92.4%-€42,232€114,960
Net result-€754,388below the sector's middle half€743,752above the sector's middle half-€27,355below the sector's middle half-€194,836below the sector's middle half▼ 612%€11,987within the sector's middle half
Equity-€1.3mbelow the sector's middle half▼ 128%-€599,939below the sector's middle half▲ 55.4%-€627,294below the sector's middle half▼ 4.6%-€822,129below the sector's middle half▼ 31.1%-€810,143below the sector's middle half▲ 1.5%
Total assets€4.0mabove the sector's middle half▲ 28.3%€2.7mabove the sector's middle half▼ 33.4%€3.0mabove the sector's middle half▲ 14.2%€3.1mabove the sector's middle half▲ 2.0%€2.5mabove the sector's middle half▼ 20.4%
Debt€5.4m▲ 44.1%€3.3m▼ 38.9%€3.7m▲ 12.4%€3.9m▲ 6.9%€3.3m▼ 16.4%
Working capital-€2.6mbelow the sector's middle half▼ 12.1%-€573,411below the sector's middle half▲ 78.0%-€526,860below the sector's middle half▲ 8.1%-€728,946below the sector's middle half▼ 38.4%-€733,406below the sector's middle half▼ 0.6%
Solvency-33.5%below the sector's middle half▼ 14.6pp-22.5%below the sector's middle half▲ 11.0pp-20.6%below the sector's middle half▲ 1.9pp-26.4%below the sector's middle half▼ 5.9pp-32.7%below the sector's middle half▼ 6.3pp
Current ratio0.38below the sector's middle half▲ 0.310.82within the sector's middle half▲ 0.440.85within the sector's middle half▲ 0.030.81within the sector's middle half▼ 0.040.77within the sector's middle half▼ 0.04
Return on assets (ROA)-18.8%below the sector's middle half▼ 19.7pp27.9%above the sector's middle half▲ 46.7pp-0.9%below the sector's middle half▼ 28.8pp-6.3%below the sector's middle half▼ 5.4pp0.5%below the sector's middle half▲ 6.8pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €114,960 after a loss of €42,232 in 2023.
Key figures and ratios
Debt ≤ 1 year
€3.2m▼
2023 · €3.8m
Debt > 1 year
€76,100▼
2023 · €86,698
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €787,950 | €935 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €68,623 | - | - | - | - | - |
| Other operating charges640/8 | - | €13,058 | €930 | €49,148 | €1,066 | ▼ 97.8% |
| Gross operating margin9900 | €205,180 | €901,418 | €68,887 | €6,916 | €116,027 | ▲ 1,578% |
| Operating profit (loss)9901 | €126,092 | €888,360 | €67,957 | -€42,232 | €114,960 | ▲ 372% |
| Financial income75/76B | - | €114 | €2,958 | €28,544 | €36,281 | ▲ 27.1% |
| Recurring financial income75 | €5 | €114 | €2,958 | €28,544 | €36,281 | ▲ 27.1% |
| Financial charges65/66B | - | €144,722 | €98,269 | €181,147 | €139,254 | ▼ 23.1% |
| Recurring financial charges65 | €880,484 | €144,722 | €98,269 | €181,147 | €139,254 | ▼ 23.1% |
| Profit (loss) for the period before taxes9903 | -€754,386 | €743,752 | -€27,355 | -€194,836 | €11,987 | ▲ 106% |
| Income taxes67/77 | €2 | - | - | - | - | - |
| Profit (loss) for the period9904 | -€754,388 | €743,752 | -€27,355 | -€194,836 | €11,987 | ▲ 106% |
| Profit (loss) for the period to be appropriated9905 | -€754,388 | €743,752 | -€27,355 | -€194,836 | €11,987 | ▲ 106% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.0m | €2.7m | €3.0m | €3.1m | €2.5m | ▼ 20.4% |
| Fixed assets21/28 | €2.4m | - | - | - | - | - |
| Tangible fixed assets22/27 | €2.4m | - | - | - | - | - |
| Current assets29/58 | €1.6m | €2.7m | €3.0m | €3.1m | €2.5m | ▼ 20.4% |
| Stocks and contracts in progress3 | €1.3m | €1.6m | €2.3m | €2.1m | €1.6m | ▼ 27.1% |
| Stocks30/36 | - | €1.6m | €2.3m | €2.1m | €1.6m | ▼ 27.1% |
| Amounts receivable within one year40/41 | €144,741 | €266,460 | €253,786 | €833,606 | €893,663 | ▲ 7.2% |
| Trade receivables40 | - | - | €116 | €116 | €1,616 | ▲ 1,299% |
| Other amounts receivable41 | - | €266,460 | €253,671 | €833,491 | €892,047 | ▲ 7.0% |
| Cash at bank and in hand54/58 | €135,644 | €827,977 | €543,618 | €124,485 | €29,960 | ▼ 75.9% |
| Deferred charges and accrued income490/1 | - | €1,078 | €510 | €24,265 | €110 | ▼ 99.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.0m | €2.7m | €3.0m | €3.1m | €2.5m | ▼ 20.4% |
| Equity10/15 | -€1.3m | -€599,939 | -€627,294 | -€822,129 | -€810,143 | ▲ 1.5% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | -€1.4m | -€619,939 | -€647,294 | -€842,129 | -€830,143 | ▲ 1.4% |
| Amounts payable17/49 | €5.4m | €3.3m | €3.7m | €3.9m | €3.3m | ▼ 16.4% |
| Amounts payable after more than one year17 | €1.1m | - | €97,855 | €86,698 | €76,100 | ▼ 12.2% |
| Financial debts170/4 | - | - | €97,855 | €86,698 | €76,100 | ▼ 12.2% |
| Amounts payable within one year42/48 | €4.2m | €3.2m | €3.6m | €3.8m | €3.2m | ▼ 16.4% |
| Current portion of amounts payable after more than one year42 | - | - | €9,219 | €10,318 | €10,599 | ▲ 2.7% |
| Financial debts43 | - | €1.1m | €1.5m | €1.7m | €1.0m | ▼ 41.1% |
| Credit institutions430/8 | - | €1.1m | €1.5m | €1.7m | €1.0m | ▼ 41.1% |
| Trade debts44 | €13,116 | €13,902 | €11,113 | €10,051 | €1,415 | ▼ 85.9% |
| Suppliers440/4 | - | €13,902 | €11,113 | €10,051 | €1,415 | ▼ 85.9% |
| Other amounts payable47/48 | - | €2.1m | €2.0m | €2.1m | €2.2m | ▲ 4.0% |
| Accrued charges and deferred income492/3 | - | €26,528 | €2,579 | €6,485 | €637 | ▼ 90.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€754,388 | €743,752 | -€27,355 | -€194,836 | €11,987 | ▲ 106% |
| + Depreciation and write-downs630 | €68,623 | - | - | - | - | - |
| Operating cash flow (approximation) | -€685,765 | €743,752 | -€27,355 | -€194,836 | €11,987 | ▲ 106% |
| Change in cash | - | €692,333 | -€284,359 | -€419,133 | -€94,525 | ▲ 77.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
06-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
2024
31-12
Financial
Back to profitnet €11,987
Net result €11,987 after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 85 days late
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €743,752
Net result €743,752 after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€754,388
Net result drops to -€754,388, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
Financial
Back to profitnet €27,055
Net result €27,055 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Sint-Truiden · 1 establishment unit since 2012
Ground area
2,322 m²
Building footprint
1,196 m²
Volume, LiDAR
94 m³
Parcel 71353E1319/00C000, Flanders · tallest building 4.0 m. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
L&L&
since 20122.212.366.201
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71353E1319/00C000 | Flanders | 2,322 m² | 1 · 1,196 m² | 4.0 m |
Linked by address, not proof of ownership
Good to know
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 and region
ABWorkx
BE 0628.830.016
Sint-Truiden
ANTWERP PHARMACIES
BE 0700.733.344
Sint-Truiden
AO Consulting
BE 0565.970.155
Sint-Truiden
ATLAS VENTURES
BE 0630.768.432
Sint-Truiden
ATRACON
BE 0466.503.781
Sint-Truiden
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 24,721 companies in this sector we hold annual accounts for 19,804. See the whole sector
Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded12-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
68202Real estate activities
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID
0208:0846583435
Also
9925:BE0846583435
Registered
01-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.