Skip to content

L & E

Active
Private limited company (pre-2019)founded 2010active for 16 yearsGeneberg 46, 3945 Tessenderlo-Ham, BelgiumKBO/BCE: BE 0825.550.073
Summary

The computed 12-month bankruptcy probability of L & E is 1.7% (moderate). The annual accounts of L & E for financial year 2025 show a net loss of 76% of the equity at the start of that year. The 2025 annual accounts show equity of €16,759 and a net result of -€52,088. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 3,263 sector peers (NACE 95, financial year 2025). The company has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
L & EActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Bodywork repair (including spraying and painting)
NACE 95314
1 site
Size
€282,550total assets 2025
Staff
1 FTE
Equity
€16,759
Loss
-€52,088
Turnover not published (abbreviated or micro format)
Financial health
53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.7%
Structure
Accounts filed 26 days late0 of 1 deed read
Why 53raises riskLoss of €52,088 (financial year 2025)Latest accounts 26 days late; 1 of the last 3 latelowers riskSize: total assets €282,550Founded in 2010Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 15% of its sector peers (NACE 95, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 31-13
equity 5.9% of total assets
Liquidity 35-6
short-term debt 40.2% · cash 3.3%
Profitability 0-62
return on assets -18.4%
Bankruptcy probability, 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (5,123 companies, NACE 95, micro)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024lowest value 02-2025: 0.4%● unchanged vs 01-2025lowest value 03-2025: 0.4%● unchanged vs 02-2025lowest value 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.6%▲ +0.2 percentage points vs 06-2025 08-2025: 0.8%▲ +0.2 percentage points vs 07-2025 09-2025: 1.1%▲ +0.3 percentage points vs 08-2025 10-2025: 1.7%▲ +0.6 percentage points vs 09-2025 11-2025: 0.9%▼ -0.8 percentage points vs 10-2025 12-2025: 0.8%▼ -0.1 percentage points vs 11-2025 01-2026: 0.8%● unchanged vs 12-2025 02-2026: 0.8%● unchanged vs 01-2026 03-2026: 0.8%● unchanged vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026 05-2026: 0.8%● unchanged vs 04-2026 06-2026: 0.8%● unchanged vs 05-2026 07-2026: 0.8%● unchanged vs 06-2026 08-2026: 1.3%▲ +0.5 percentage points vs 07-2026 09-2026: 1.7%▲ +0.4 percentage points vs 08-2026highest value 10-2026: 1.7%● unchanged vs 09-2026highest value
Credit of up to €500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity insufficient (current ratio 0.68, compared with 1.14 in 2024, below 1; short-term debt: 40.2% and cash: 3.3% of total assets), and 94.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro): better than 20% on solvency, 27% on liquidity, 5% on profitability and 6% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

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

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Loss of €52,088 (financial year 2025)
NBB · annual accounts
lowers risk · Size: total assets €282,550
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Latest accounts 26 days late; 1 of the last 3 late
NBB · filings
lowers risk · Founded in 2010
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 3263 sector peers (2025).
NBB · sector comparison
Position among 3263 sector peers
Solvency
better than 21%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filings
Deviation from the deadline
2025
26 days late
2024
69 days late
2023
2 days late
2022
23 days late
2021
22 days late
2019
69 days late
2018
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 34 days after the deadline; the sector median (NACE 95) for financial year 2024 is on the deadline day, and 47% 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. The company usually files around 23 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Weakest financial yearnet -€52,088
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Caution: From profit to loss in 2025after €19,937 in 2024 -€52,088 View
  • Caution: Among the weakest 5% on net resultsector median €8,402 · 3,262 companies -€52,088 View
  • Total assets 20256 financial years filed €282,550 View

By topic

Financials

Financial year
2025
Total assets
€282,550
Loss
-€52,088
Solvency
5.9%
Total assets▼ 23.1%
Net result
20182025
Go to Financials

Timeline

Events
17
Since
2012
Next accounts
by 31-07-2027
  1. 02-08-2024Annual accounts filed
  2. 31-12-2023Highest result from 2018 to 2025
  3. 23-08-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Bodywork repair (including spraying and painting)NACE 95314
Founded
03-05-2010
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about L & E

What is the company number of L & E?
0825.550.073. In Belgium the VAT number is the company number with BE in front: BE 0825.550.073.
Where is L & E based?
The registered office is at Geneberg 46, 3945 Tessenderlo-Ham.Company details
What does L & E do?
According to the KBO register, the main activity is bodywork repair (including spraying and painting) (NACE 95314).
What is the legal form of L & E?
Private limited company (pre-2019) (BVBA).
When was L & E founded?
On 03-05-2010.
Is L & E still active?
Yes, L & E is an active enterprise in the KBO register.
How many employees does L & E have?
On average 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of L & E?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is L & E profitable?
In financial year 2025, L & E made a loss of €52,088.
Where can I find the annual accounts of L & E?
L & E filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of L & E due?
By 31-07-2027, for financial year 2026.Timeline

Companies related to L & E

Go further with this company

How much credit can you give this customer, and on what payment terms?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 support did similar companies receive that this one did not?Subsidies How does this company compare with its sector?Sector benchmark

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.

We would like to set cookies. That happens only with your consent. What we measure