L & C TRADE
ActiveL & C TRADE has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €710k and a net result of €111k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-2
Solvency81▼-9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 4.98 against 3.21 in 2024; short-term debt: 14.2% and cash: 0% of total assets), and 43.7% 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
56.3%
Return on assets
8.8%
Age of the figures
9 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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
23 d early
2023
27 d late
2022
40 d early
2021
25 d late
2020
54 d early
2019
25 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€710k▲ 17.9%
2024 · €602k
2018: €154k
2019: €204k
2020: €281k
2021: €352k
2022: €421k
2023: €502k
2024: €602k
2018 → 2025
Total assets
€1.26M▲ 36.8%
2024 · €921k
2018: €594k
2019: €635k
2020: €678k
2021: €784k
2022: €802k
2023: €831k
2024: €921k
2018 → 2025
Net result
€111k▲ 11.3%
2024 · €100k
2018: €117k
2019: €49k
2020: €77k
2021: €71k
2022: €69k
2023: €81k
2024: €100k
2018 → 2025
Working capital
€714k▲ 82.4%
2024 · €391k
2018: €13k
2019: €56k
2020: €126k
2021: €167k
2022: €229k
2023: €292k
2024: €391k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€352k-€421k▲ 19.7%€502k▲ 19.3%€602k▲ 19.8%€710k▲ 17.9%
Operating result€116k-€110k▼ 4.7%€122k▲ 10.7%€147k▲ 20.8%€139k▼ 5.4%
Net result€71k-€69k▼ 2.7%€81k▲ 17.1%€100k▲ 22.7%€111k▲ 11.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.26M
Fixed assets
€367k▲ 4.2%
Current assets
€893k▲ 57.1%
Equity and liabilities €1.26M
Equity
€710k▲ 17.9%
Debt
€551k▲ 72.5%
The debt ratio rises from 34.7% to 43.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€159k▼
2024 · €181k
Cash flow
€131k▼
2024 · €134k
Solvency
56.3%▼
2024 · 65.3%
Current ratio
4.98▲
2024 · 3.21
Quick ratio
4.98▲
2024 · 3.21
Debt / equity
0.78▲
2024 · 0.53
ROE
15.6%▼
2024 · 16.5%
ROA
8.8%▼
2024 · 10.8%
Interest coverage
13.09▼
2024 · 13.71
Debt
€551k▲
2024 · €319k
Debt ≤ 1 year
€179k▲
2024 · €177k
Debt > 1 year
€371k▲
2024 · €141k
Income taxes
€46k▼
2024 · €60k
Staff costs
€14k
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€921k€1.26M▲
Fixed assets21/28€353k€367k▲
Tangible fixed assets22/27€353k€367k▲
Land and buildings22€350k€332k▼
Plant, machinery and equipment23€1k€3k▲
Furniture and vehicles24-€31k
Other tangible fixed assets26€2k€2k▼
Current assets29/58€568k€893k▲
Amounts receivable after more than one year29€150k€150k=
Other amounts receivable291€150k€150k=
Amounts receivable within one year40/41€414k€737k▲
Trade receivables40€22k-
Other amounts receivable41€392k€737k▲
Cash at bank and in hand54/58€0€28▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€921k€1.26M▲
Equity10/15€602k€710k▲
Contributions10/11€19k€19k=
Reserves13€566k€674k▲
Distributable reserves133€566k€674k▲
Profit (loss) carried forward14€17k€17k=
Amounts payable17/49€319k€551k▲
Amounts payable after more than one year17€141k€371k▲
Financial debts170/4€141k€371k▲
Amounts payable within one year42/48€177k€179k▲
Current portion of amounts payable after more than one year42€36k€42k▲
Financial debts43€5k€2k▼
Credit institutions430/8€5k€2k▼
Trade debts44€10k€6k▼
Suppliers440/4€10k€6k▼
Taxes, remuneration and social security45€126k€126k▲
Taxes450/3€126k€125k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48-€3k
Accrued charges and deferred income492/3€991-
Income statement
Code20242025
Remuneration, social security and pensions62-€14k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€20k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€187k€178k▼
Operating profit (loss)9901€147k€139k▼
Financial income75/76B€25k€30k▲
Recurring financial income75€25k€30k▲
Financial charges65/66B€13k€12k▼
Recurring financial charges65€13k€12k▼
Profit (loss) for the period before taxes9903€159k€157k▼
Income taxes67/77€60k€46k▼
Profit (loss) for the period9904€100k€111k▲
Profit (loss) for the period to be appropriated9905€100k€111k▲
Appropriation of the result
Profit (loss) to be appropriated9906€116k€128k▲
Profit (loss) brought forward from the previous period14P€17k€17k=
Transfer to equity691/2€100k€108k▲
To other reserves6921€100k€108k▲
Profit to be distributed694/7-€3k
Directors or managers695-€3k
The notes to these accounts (10 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €500kEq €502k ▲19.3%
6 profitable years in a row build equity to €502k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Weakest financial yearnet €49k ▼58%
Net result drops to €49k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €204k ▲31.8%
2 profitable years in a row build equity to €204k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Dilbeek · 1 establishment unit since 2006
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.
Doylijkstraat 831701 DilbeekGround area
1,817 m²
Building footprint
306 m²
Volume, LiDAR
538 m³
2 parcels, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L & C TRADE
since 20062.150.506.925
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23037D0009/00Y000 | Flanders | 1,281 m² | 1 · 205 m² | - |
| 23086E0114/00C000 | Flanders | 536 m² | 1 · 101 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ADDIMO
BE 0438.238.674
Stabroek · Eq €710k
KRION
BE 0824.079.831
Deinze · Eq €710k
ANRU CONSULT
BE 0466.113.110
Diepenbeek · Eq €710k
Holding G-A
BE 0459.402.094
Jalhay · Eq €710k
Smets investmaatschappij
BE 0886.714.414
Retie · Eq €710k
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 31,425 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2005
Fiscal year end31-12
Activities, NACEBEL
51180
70200Business and other management consultancy
70220Business consulting
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.