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L&C Insurance

Active Risk: not assessed
Private limited companyfounded 2024active for 2 yearsPapeveld 45, 9320 Aalst, BelgiumKBO/BCE: BE 1004.544.074

From the official registers: KBO 2 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

L&C Insurance is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €90,302 and a net result of €48,959. Its solvency ranks better than 60% of 1,850 sector peers (NACE 66, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

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L&C InsuranceActive
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Overview

Official details

KBO
Status
Active since 11-01-2024 Normal situation
Activity
Insurance agents and brokers NACE 66220
Establishment unit
2.355.521.571 9320 Aalst, since 11-01-2024
Financial year end
31 December
Peppol
Reachable since 13-11-2025
Company details

Board and ownership

Board
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€48,959
▲ 26.0%
Equity
€90,302
▲ 118%
Total assets
€181,034
▲ 6.1%
Filed on 08-08-2026, 8 days after the deadlineat the National Bank
Financials
Signalsraises riskYoung company2025 accounts filed 8 days lateShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Two signals.
raises risk
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 years
raises risk · 2025 accounts filed 8 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-08-2026, 8 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filings
Deviation from the deadline
2025
8 days late
2024
26 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 2 accounts on average 9 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Comparable companies

These companies have the same main activity as L&C Insurance: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €130,000 and €224,000, founded between 2023 and 2024.

CompanyTotal assetsGross margin
L&C Insurance Aalst€181,034€93,689
IV Management Temse€132,100€82,423
JILI INVEST Niel€196,677€81,789
RHASSUR Crisnée€223,973€112,970
OneToWatch Tremelo€137,376€92,966
Zakenkantoor Kelders Wommelgem€129,927€74,424
NEXUS INVESTMENT STRATEGIES Chimay€145,760€130,866
Full comparison

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about L&C Insurance
What is the company number of L&C Insurance?
The company number of L&C Insurance is 1004.544.074. The VAT number is the same number with BE in front: BE 1004.544.074.
Where is L&C Insurance based?
The registered office is at Papeveld 45, 9320 Aalst.Company details
What does L&C Insurance do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of L&C Insurance?
The legal form of L&C Insurance is Private limited company (BV).
When was L&C Insurance founded?
L&C Insurance was founded on 11-01-2024.
Is L&C Insurance still active?
Yes, L&C Insurance is an active enterprise in the KBO register.
What is the turnover of L&C Insurance?
The turnover in financial year 2025 is ≈ €260,000. This figure is estimated from the gross margin of €93,689 and 1,290 comparable companies of the same size. It probably lies between €160,000 and €500,000. It is a rough estimate.Financials
Is L&C Insurance profitable?
In financial year 2025, L&C Insurance made a profit of €48,959.
Where can I find the annual accounts of L&C Insurance?
L&C Insurance filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of L&C Insurance due?
L&C Insurance must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See this company's board, registered office and name on a given date.Company as of a date

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