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L&LO CONSTRUCTION

Active
Private limited companyfounded 201016 years activeDrève de Maison Bois 35, 4910 Theux, BelgiumKBO/BCE: BE 0824.388.746
Summary

The computed 12-month bankruptcy probability of L&LO CONSTRUCTION is 1.6% (moderate). The 2025 annual accounts show equity of €96,837 and a net result of €147,915. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 1,010 sector peers (NACE 41, fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
€569,730total assets 2025
Staff
4 FTE
Equity
€96,837
Profit
€147,915
Financial health
63 Healthy Checked score 2025
Bankruptcy probability, 12 months
1.6%
Structure
Accounts filed 30 days late0 of 5 deeds read
Why 63- Sector Construction of residential and non-residential buildings (NACE 41)- Equity €96,837 (17.0% of total assets)- Liquidity: current ratio 1.22, cash €21,352- Figures for FY 2025 (filed 30-11-2025)Show the evidence

Checked score

Score 2025
63 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 49% of its sector peers (NACE 41, micro)
Financial strength · tick = 2024
Average
Solvency 42-1
equity 17.0% of total assets
Liquidity 10+1
short-term debt 81.2% · cash 3.7%
Profitability 100+14
return on assets 26.0%
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%

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

Sector median 1.5% (13,362 companies)
Last 24 months 11-2024: 1.7% 12-2024: 2.3%▲ +0.6 percentage points vs 11-2024 01-2025: 2.3%● unchanged vs 12-2024 02-2025: 2.3%● unchanged vs 01-2025 03-2025: 2.3%● unchanged vs 02-2025 04-2025: 2.3%● unchanged vs 03-2025 05-2025: 2.3%● unchanged vs 04-2025 06-2025: 2.3%● unchanged vs 05-2025 07-2025: 2.2%▼ -0.1 percentage points vs 06-2025 08-2025: 2.1%▼ -0.1 percentage points vs 07-2025 09-2025: 2.1%● unchanged vs 08-2025 10-2025: 2.4%▲ +0.3 percentage points vs 09-2025 11-2025: 3.1%▲ +0.7 percentage points vs 10-2025highest value 12-2025: 0.8%▼ -2.3 percentage points vs 11-2025lowest value 01-2026: 0.8%● unchanged vs 12-2025lowest value 02-2026: 0.8%● unchanged vs 01-2026lowest value 03-2026: 0.8%● unchanged vs 02-2026lowest value 04-2026: 0.8%● unchanged vs 03-2026lowest value 05-2026: 0.9%▲ +0.1 percentage points vs 04-2026 06-2026: 0.9%● unchanged vs 05-2026 07-2026: 1.0%▲ +0.1 percentage points vs 06-2026 08-2026: 0.9%▼ -0.1 percentage points vs 07-2026 09-2026: 1.1%▲ +0.2 percentage points vs 08-2026 10-2026: 1.6%▲ +0.5 percentage points vs 09-2026
Credit up to €6,000 at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.25 in 2024; short-term debt: 81.2% and cash: 3.7% of total assets), and 83% of the assets are financed with debt.
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 41, micro): better than 24% on solvency, 9% on liquidity, 91% on profitability and 71% on growth.

The bankruptcy probability was computed on 07-10-2026 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).

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Signals

Five signals.
+raises risk○neutral
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Equity €96,837 (17.0% of total assets)
NBB · annual accounts
raises risk · Liquidity: current ratio 1.22, cash €21,352
NBB · annual accounts
raises risk · Figures for FY 2025 (filed 30-11-2025)
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-11-2025, 30 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 · 10 filings
Deviation from the deadline
2025
30 days late
2024
30 days late
2023
30 days late
2022
61 days late
2021
3 days late
2020
30 days late
2019
29 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 30 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 30 November (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
31-03-2026 close07-10-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Highest result since 2019net €147,915 ▲168%
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Positive: Result rose in 2025from €55,162 to €147,915 ▲ 168% View
  • Positive: 7 profitable years in a rowprofit 2025: €147,915 7 years View
  • Total assets 20256 fiscal years filed €569,730 View

By topic

Financials

Fiscal year
2025
Total assets
€569,730
Profit
€147,915
Solvency
17.0%
Total assets▲ 41.6%
Net result
20192025
Go to Financials

Timeline

Events
11
Since
2014
Next accounts
by 31-10-2026
  1. 30-11-2023Annual accounts filed
  2. 31-12-2022Annual accounts filed
  3. 03-11-2021Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
29-03-2010
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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