L & C TRADING
ActiveThe annual accounts of L & C TRADING for fiscal year 2025 show a net loss of 127% of the equity at the start of that year. The 2025 annual accounts show equity of €3.77M and a net result of €-131k. Equity is shrinking by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 9183 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-12
Solvency99▲+72
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
cash: 1.8% of total assets, and 25.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
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
74.2%
Return on assets
-2.6%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €3.77M
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
41 d early
2023
36 d early
2022
4 d late
2021
30 d early
2020
26 d early
2019
9 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.77M▲ 3,557%
2024 · €103k
2018: €477k
2019: €450k
2020: €409k
2021: €370k
2022: €325k
2023: €257k
2024: €103k
2018 → 2025
Total assets
€5.09M▼ 2.4%
2024 · €5.21M
2018: €1.64M
2019: €1.29M
2020: €1.29M
2021: €1.27M
2022: €2.74M
2023: €5.29M
2024: €5.21M
2018 → 2025
Net result
€-131k▲ 15.2%
2024 · €-154k
2018: €109k
2019: €-33k
2020: €-41k
2021: €-38k
2022: €-45k
2023: €-68k
2024: €-154k
2018 → 2025
Working capital
€54k
2023 · €-4.76M
2018: €-172k
2019: €-261k
2020: €-357k
2021: €-452k
2022: €-2.02M
2023: €-4.76M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€370k-€325k▼ 12.3%€257k▼ 20.8%€103k▼ 59.9%€3.77M▲ 3,557%
Operating result€-19k-€-24k▼ 32.1%€-27k▼ 10.9%€-105k▼ 287%€-91k▲ 13.1%
Net result€-38k-€-45k▼ 17.9%€-68k▼ 48.8%€-154k▼ 128%€-131k▲ 15.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €91k in 2025 against €105k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.09M
Fixed assets
€4.99M▼ 3.3%
Current assets
€102k▲ 86.3%
Equity and liabilities €5.09M
Equity
€3.77M▲ 3,557%
Provisions
€93k▼ 4.0%
Debt
€1.22M▼ 75.6%
The debt ratio falls from 96.2% to 24.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€80k▼
2024 · €178k
Cash flow
€40k▼
2024 · €129k
Solvency
74.2%▲
2024 · 2.0%
Debt / equity
0.32▼
2024 · 48.57
ROE
-3.5%▲
2024 · -149.5%
ROA
-2.6%▲
2024 · -3.0%
Interest coverage
1.84▼
2024 · 3.35
Debt
€1.22M▼
2024 · €5.01M
Debt > 1 year
€1.21M▼
2024 · €5.01M
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€5.21M€5.09M▼
Fixed assets21/28€5.16M€4.99M▼
Tangible fixed assets22/27€5.16M€4.99M▼
Land and buildings22€5.15M€4.98M▼
Plant, machinery and equipment23€7k€3k▼
Current assets29/58€55k€102k▲
Amounts receivable within one year40/41€9k€1k▼
Trade receivables40€9k€850▼
Other amounts receivable41€173€199▲
Cash at bank and in hand54/58€39k€94k▲
Deferred charges and accrued income490/1€7k€7k▼
Equity and liabilities
Total equity and liabilities10/49€5.21M€5.09M▼
Equity10/15€103k€3.77M▲
Contributions10/11€19k€3.82M▲
Reserves13€189k€182k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€188k€180k▼
Profit (loss) carried forward14€-105k€-228k▼
Provisions and deferred taxes16€97k€93k▼
Deferred taxes168€97k€93k▼
Amounts payable17/49€5.01M€1.22M▼
Amounts payable after more than one year17€5.01M€1.21M▼
Financial debts170/4€5.01M€1.21M▼
Amounts payable within one year42/48€1k-
Trade debts44€1k-
Suppliers440/4€1k-
Accrued charges and deferred income492/3-€12k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€283k€171k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€510▼
Other operating charges640/8€15k€16k▲
Gross operating margin9900€196k€96k▼
Operating profit (loss)9901€-105k€-91k▲
Financial charges65/66B€53k€43k▼
Recurring financial charges65€53k€43k▼
Profit (loss) for the period before taxes9903€-158k€-135k▲
Transfer from deferred taxes780€4k€4k=
Profit (loss) for the period9904€-154k€-131k▲
Transfer from tax-exempt reserves789€8k€8k=
Profit (loss) for the period to be appropriated9905€-147k€-123k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-105k€-228k▼
Profit (loss) brought forward from the previous period14P€42k€-105k▼
The notes to these accounts (6 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €2MEq €3.77M ▲3557%
Equity rises from €103k to €3.77M.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-154k
Net result drops to €-154k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 1391current ratio 49.97
Current ratio from 0.04 to 49.97; short-term debt falls from €4.93M to €1k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
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
no sitting director, no change since 2019
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
26-08-2019
Resigned as Manager
Location & real-estate footprint
Registered office, Zandhoven · 1 establishment unit since 2020
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.
Nijverheidsweg 12240 ZandhovenGround area
2,554 m²
Building footprint
2,554 m²
Volume, LiDAR
18,480 m³
Parcel 11027B0097/00W000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nijverheidsweg 1, 2240 Zandhoven
since 20202.303.228.475
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11027B0097/00W000 | Flanders | 2,554 m² | 1 · 2,554 m² | 8.1 m · 2 fl. |
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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
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Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 2,983 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2006
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.