L & L Construct
ActiveThe computed 12-month bankruptcy probability of L & L Construct is 1.8% (moderate). The 2025 annual accounts show equity of €46k and a net result of €7k. Equity is growing by ~42.5% per year across the filed fiscal years. Its solvency ranks better than 18% of 7452 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-30
Solvency36▼-23
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.13 against 1.41 in 2024; short-term debt: 32% and cash: 3.9% of total assets), but 89.2% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 2025Solvency, return and age of the figures
Solvency
10.8%
Return on assets
1.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7452 sector peers (2025).
NBB · sector comparisonPosition among 7452 sector peers
Solvency
better than 18%
← 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 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
2023
32 d early
2022
30 d late
2021
31 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▲ 16.7%
2024 · €40k
2021: €9k
2022: €16k
2023: €23k
2024: €40k
2021 → 2025
Total assets
€428k▲ 268%
2024 · €116k
2021: €250k
2022: €323k
2023: €361k
2024: €116k
2021 → 2025
Net result
€7k▼ 60.9%
2024 · €17k
2021: €7k
2022: €8k
2023: €6k
2024: €17k
2021 → 2025
Working capital
€291k▲ 822%
2024 · €32k
2021: €97k
2022: €198k
2023: €205k
2024: €32k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€16k▲ 85.6%€23k▲ 39.5%€40k▲ 74.2%€46k▲ 16.7%
Operating result€14k-€13k▼ 6.3%€19k▲ 47.8%€35k▲ 79.9%€17k▼ 52.8%
Net result€7k-€8k▲ 10.8%€6k▼ 14.4%€17k▲ 162%€7k▼ 60.9%
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 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €428k
Equity
€46k▲ 16.7%
Debt
€382k▲ 398%
The debt ratio rises from 65.9% to 89.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23k▼
2024 · €52k
Cash flow
€13k▼
2024 · €34k
Solvency
10.8%▼
2024 · 34.1%
Current ratio
3.13▲
2024 · 1.41
Quick ratio
0.18▼
2024 · 1.41
Debt / equity
8.25▲
2024 · 1.93
ROE
14.3%▼
2024 · 42.6%
ROA
1.5%▼
2024 · 14.5%
Interest coverage
3.74▼
2024 · 5.40
Debt
€382k▲
2024 · €77k
Debt ≤ 1 year
€137k▲
2024 · €77k
Debt > 1 year
€245k▲
2024 · €0
Income taxes
€4k▼
2024 · €8k
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€116k€428k▲
Fixed assets21/28€8k€0▼
Tangible fixed assets22/27€8k€0▼
Furniture and vehicles24€6k€0▼
Other tangible fixed assets26€2k€0▼
Current assets29/58€108k€428k▲
Stocks and contracts in progress3€0€403k▲
Stocks30/36€0€403k▲
Contracts in progress37€0€0=
Amounts receivable within one year40/41€24k€6k▼
Trade receivables40€0€3k▲
Other amounts receivable41€24k€4k▼
Cash at bank and in hand54/58€84k€17k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€116k€428k▲
Equity10/15€40k€46k▲
Contributions10/11€2k€2k=
Reserves13€38k€44k▲
Distributable reserves133€38k€44k▲
Amounts payable17/49€77k€382k▲
Amounts payable after more than one year17€0€245k▲
Financial debts170/4€0€245k▲
Amounts payable within one year42/48€77k€137k▲
Current portion of amounts payable after more than one year42€7k€0▼
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9-€0
Other amounts payable47/48€62k€128k▲
Income statement
Code20242025
Non-recurring operating income76A-€47
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€6k▼
Other operating charges640/8€6k€761▼
Gross operating margin9900€59k€24k▼
Operating profit (loss)9901€35k€17k▼
Financial income75/76B€28€4▼
Recurring financial income75€28€4▼
Financial charges65/66B€10k€6k▼
Recurring financial charges65€10k€6k▼
Profit (loss) for the period before taxes9903€25k€10k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€17k€7k▼
Profit (loss) for the period to be appropriated9905€17k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€7k▼
Transfer to equity691/2€17k€7k▼
To other reserves6921€17k€7k▼
The notes to these accounts (7 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
04-09
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2025-06-11
- Registered-office move, Kruisstraat(WIE) 4, 2222 Heist-op-den-Berg
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 3.13
Current ratio from 1.41 to 3.13.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Highest result since 2021net €17k ▲162%
Operating result €35k, net result €17k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €6k ▼14.4%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Heist-op-den-Berg · 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.
Kruisstraat(WIE) 42222 Heist-op-den-BergGround area
1,423 m²
Building footprint
223 m²
Volume, LiDAR
754 m³
2 parcels, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L & L Construct
since 20202.299.772.307
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12039C0312/00D000 | Flanders | 1,061 m² | 1 · 150 m² | 7.8 m · 2 fl. |
| 12039A0511/00F000 | Flanders | 362 m² | 1 · 73 m² | 2.4 m |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 202 EUR awarded · 202 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 202 EUR | 202 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 13,018 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.