Skip to content

L&D CONSULTING

Active
Private limited companyfounded 20242 yrs activeVieux Chemin d'Ath(HAV) 725, 7531 Tournai, BelgiumKBO/BCE: BE 1010.948.846
Summary

The computed 12-month bankruptcy probability of L&D CONSULTING is 1.8% (moderate). The 2025 annual accounts show equity of €44,455 and a net result of €39,455. Its solvency ranks better than 61% of 8190 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability100
Solvency80
Growth-
Track record67
Bankruptcy probability, 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 1.9; short-term debt: 45.2% and cash: 83.4% of total assets), and 45.2% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
54.8%
Return on assets
48.7%
Age of the figures
15 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-12-2025, 54 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
54 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

L&D CONSULTING was incorporated on 1 July 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

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 2025, abbreviated schema

Equity
€44,455
Total assets
€81,066
Net result
€39,455
Working capital
€32,949

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition
Assets €81,066
Fixed assets €11,506
Current assets €69,560
Equity and liabilities €81,066
Equity €44,455
Debt €36,611
Debt finances 45.2% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€57,070
Cash flow
€40,227
Current ratio
1.90
Debt to equity
0.82
ROE
88.8%
ROA
48.7%
Interest coverage
79.67
Debt ≤ 1 year
€36,611
Income taxes
€16,127

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 39 lines
Balance sheet Code2025
Assets
Total assets20/58€81,066
Fixed assets21/28€11,506
Tangible fixed assets22/27€6,506
Furniture and vehicles24€4,071
Other tangible fixed assets26€2,435
Financial fixed assets28€5,000
Current assets29/58€69,560
Amounts receivable within one year40/41€101
Trade receivables40€47
Other amounts receivable41€53
Cash at bank and in hand54/58€67,622
Deferred charges and accrued income490/1€1,837
Equity and liabilities
Total equity and liabilities10/49€81,066
Equity10/15€44,455
Contributions10/11€5,000
Reserves13€39,455
Distributable reserves133€39,455
Amounts payable17/49€36,611
Amounts payable within one year42/48€36,611
Trade debts44€2,953
Suppliers440/4€2,953
Taxes, remuneration and social security45€29,869
Taxes450/3€29,869
Other amounts payable47/48€3,789
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€772
Other operating charges640/8€1,488
Gross operating margin9900€58,558
Operating profit (loss)9901€56,298
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€716
Recurring financial charges65€716
Profit (loss) for the period before taxes9903€55,582
Income taxes67/77€16,127
Profit (loss) for the period9904€39,455
Profit (loss) for the period to be appropriated9905€39,455
Appropriation of the result
Profit (loss) to be appropriated9906€39,455
Transfer to equity691/2€39,455
To other reserves6921€39,455

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€772
Other operating charges640/8€1,488
Gross operating margin9900€58,558
Operating profit (loss)9901€56,298
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€716
Recurring financial charges65€716
Profit (loss) for the period before taxes9903€55,582
Income taxes67/77€16,127
Profit (loss) for the period9904€39,455
Profit (loss) for the period to be appropriated9905€39,455
Line2025
Assets
Total assets20/58€81,066
Fixed assets21/28€11,506
Tangible fixed assets22/27€6,506
Furniture and vehicles24€4,071
Other tangible fixed assets26€2,435
Financial fixed assets28€5,000
Current assets29/58€69,560
Amounts receivable within one year40/41€101
Trade receivables40€47
Other amounts receivable41€53
Cash at bank and in hand54/58€67,622
Deferred charges and accrued income490/1€1,837
Equity and liabilities
Total equity and liabilities10/49€81,066
Equity10/15€44,455
Contributions10/11€5,000
Reserves13€39,455
Distributable reserves133€39,455
Amounts payable17/49€36,611
Amounts payable within one year42/48€36,611
Trade debts44€2,953
Suppliers440/4€2,953
Taxes, remuneration and social security45€29,869
Taxes450/3€29,869
Other amounts payable47/48€3,789
Line2025
Profit (loss) for the period9904€39,455
+ Depreciation and write-downs630€772
Operating cash flow (approximation)€40,227

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2025
08-12
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not 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 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
1,143 m²
Building footprint
163 m²
Volume, LiDAR
810 m³
Parcel 57036C0052/00Y000, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L&D CONSULTING
Vieux Chemin d'Ath(HAV) 725, 7531 TournaiWholesale trade
since 20242.361.479.846
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
57036C0052/00Y000 Wallonia 1,143 m² 1 · 163 m² 7.3 m · 2 fl.
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.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 30-06-2025 list no shareholders, and no other source names one.

Holdings 1

According to the annual accounts to 30-06-2025 of L&D CONSULTING and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 142 companies in this sector we hold annual accounts for 68. 30 are within a factor 10 of this equity. The 4 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded01-07-2024
Fiscal year end30-06
Activities, NACEBEL 2025
46212Wholesale trade
46216Wholesale of agricultural produce and animal feed, general range
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:1010948846
Registered 26-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.