L&N
ActiveL&N is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €63k and a net result of €21k. Equity is growing by ~64.7% per year across the filed fiscal years. Its solvency ranks better than 29% of 9871 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-11-2025, 120 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
120 d late
2023
29 d late
2022
133 d late
2021
173 d late
2020
121 d late
2019
252 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€63k▲ 50.2%
2023 · €42k
2021: €7k
2022: €19k
2023: €42k
2021 → 2024
Net result
€21k▼ 7.1%
2023 · €23k
2021: €-9k
2022: €12k
2023: €23k
2021 → 2024
Total assets
€215k▼ 5.8%
2023 · €229k
2021: €292k
2022: €257k
2023: €229k
2021 → 2024
Solvency
29.4%▲ 11.0pp
2023 · 18.4%
2021: 2.6%
2022: 7.5%
2023: 18.4%
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€7k-€19k▲ 160%€42k▲ 118%€63k▲ 50.2%
Operating result€-4k-€13k€29k▲ 121%€33k▲ 13.2%
Net result€-9k-€12k€23k▲ 91.4%€21k▼ 7.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 13% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €215k
Fixed assets
€212k▼ 5.0%
Current assets
€4k▼ 37.1%
Equity and liabilities €215k
Equity
€63k▲ 50.2%
Debt
€152k▼ 18.5%
The debt ratio falls from 81.6% to 70.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
29.4%▲
2023 · 18.4%
ROE
33.4%▼
2023 · 54.1%
ROA
9.8%▼
2023 · 10.0%
Debt
€152k▼
2023 · €187k
Debt ≤ 1 year
€146k▼
2023 · €170k
Debt > 1 year
€6k▼
2023 · €16k
Income taxes
€11k▲
2023 · €6k
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 · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€229k€215k▼
Fixed assets
21/28€223k€212k▼
Tangible fixed assets
22/27€223k€212k▼
Current assets
29/58€6k€4k▼
Cash & bank
54/58€410€817▲
Total equity & liabilities
10/49€229k€215k▼
Equity
10/15€42k€63k▲
Contributions / capital
10/11€36k€36k=
Reserves
13€6k€27k▲
Accumulated profits (losses)
14€0-
Amounts payable
17/49€187k€152k▼
Amounts payable after one year
17€16k€6k▼
Amounts payable within one year
42/48€170k€146k▼
Trade debts payable within one year
44€1k€3k▲
Income statement
Code20232024
Gross operating margin
9900€62k€47k▼
Operating result
9901€29k€33k▲
Financial charges
65€499€484▼
Result before taxes
9903€28k€32k▲
Income taxes
67/77€6k€11k▲
Net result for the period
9904€23k€21k▼
Result to be appropriated
9905€23k€21k▼
Timeline · acts, filings and financial milestones
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 120 days late
25-11
State Gazette act
Registered-office change
v3.2
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2021net €23k ▲91.4%
Net result €23k, the highest in the series.
11-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 133 days late
20-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 173 days late
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 121 days late
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 252 days late
2020
17-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 230 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
19-01
State Gazette act
Registered-office change
v3.2
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
18-04
State Gazette act
Director changes
v3.2
28-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 240 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
3 of 3 acts read
Directors · office · real estate
Directors
3 directors, no change since 2017
Van De Sype Johan
Not recently confirmedDirector · since 01-01-2017
Van Gugte Emiliane
Not recently confirmedDirector · since 24-04-2013
Van Gugte Ives
Not recently confirmedDirector · since 01-01-2017
01-01-2017
Van De Sype Johan: Mandate renewed as Director
01-01-2017
Van Gugte Ives: Mandate renewed as Director
24-04-2013
Van Gugte Emiliane: Mandate renewed as Director
Location & real-estate footprint
Registered office, Geraardsbergen · 1 establishment unit since 2008
Ground area
2,132 m²
Building footprint
414 m²
Parcel 41041A0256/00B000, Flanders. Linked by address, not a title deed.
1 establishment unit
L&N
since 20082.170.552.271
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41041A0256/00B000 | Flanders | 2,132 m² | 1 · 414 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
1 auditor| Geert Van Goolen Company auditor | 21-12-2017 → 19-01-2018 |
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
JFDI
BE 0734.820.629
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Ethos
BE 0740.649.834
Schilde · Eq €63k
Tom Pottel
BE 0753.577.657
Gent · Eq €63k
MOCA MANAGEMENT
BE 0766.777.278
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Olimat Management
BE 0800.962.058
Schilde · Eq €63k
Of 24,645 companies in sector 64210 we hold annual accounts for 19,462. 10,914 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-05-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 3 actsNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 30-07-2026. Scores and ratios are computed by Checked and are not a credit decision.