L & M ASSOCIES

Active

Private limited companyfounded 2020active for 6 yearsRue Saint-Gilles 170, 4000 Liège, BelgiumKBO/BCE: BE 0753.604.480

Summary

L & M ASSOCIES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3,180 and a net result of €8,836. Equity is shrinking by about 51% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2026. The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

L & M ASSOCIESActiveChecked score 30/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€185,706total assets 2025

Equity: €3,180
Profit: €8,836

Turnover not published (micro format)

Financial health

30 Weak Checked score 2025

Bankruptcy probability: sector outside the model

Structure

Holdings: 3

Accounts 7 days early

SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Score 2025

30 / 100

Weak▲ +10 on 2024

Without a bankruptcy probability: score from the figures alone

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 27+6

equity 1.7% of total assets

Liquidity 1-2

short-term debt 98.3% · cash 0.9%

Profitability 49+13

return on assets 4.8%

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

No publishable credit limit; credit only on tighter terms

Liquidity insufficient (current ratio 0.98, compared with 0.93 in 2024, below 1; short-term debt: 98.3% and cash: 0.9% of total assets), and 98.3% of the assets are financed with debt and provisions.

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Signals

1 signal.

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 24-07-2026, 7 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

7 days early

2024

60 days late

2023

30 days late

2022

29 days late

2021

5 days late

2020

23 days late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 6 accounts on average 23 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)

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 29 August (4 of the last 5 filed years within 31 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

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage