L&O INVEST
ActiveSummary
The computed 12-month bankruptcy probability of L&O INVEST is 4.2% (elevated). The 2025 annual accounts show equity of €205k and a net result of €854. Equity is shrinking by ~7.3% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+28
Solvency52▼-1
Growth58=
Track record94
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days only on tighter terms
Liquidity short (current ratio 0.01 against 0.01 in 2024; short-term debt: 56.3% and cash: 0.5% of total assets), and 72.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
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
27.3%
Return on assets
0.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 4 filingsDeviation from the deadline
2025
17 d late
2024
12 d late
2023
30 d late
2022
126 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€205k▲ 0.4%
2024 · €205k
2022: €256k
2023: €221k
2024: €205k
2022 → 2025
Total assets
€752k▲ 1.3%
2024 · €742k
2022: €465k
2023: €749k
2024: €742k
2022 → 2025
Net result
€854
2024 · €-17k
2022: €-24k
2023: €-34k
2024: €-17k
2022 → 2025
Working capital
€-420k▼ 8.1%
2024 · €-388k
2022: €-1k
2023: €-355k
2024: €-388k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€256k-€221k▼ 13.5%€205k▼ 7.6%€205k▲ 0.4%
Operating result€-22k-€-31k▼ 45.3%€-14k▲ 54.8%€3k
Net result€-24k-€-34k▼ 43.2%€-17k▲ 51.2%€854
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €14k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €752k
Fixed assets
€748k ▲ 1.4%
Current assets
€4k ▼ 15.5%
Equity and liabilities €752k
Equity
€205k ▲ 0.4%
Debt
€547k ▲ 1.7%
Debt's share of the balance-sheet total rises from 72.4% to 72.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k▲
2024 · €8k
Cash flow
€25k▲
2024 · €5k
Current ratio
0.01▼
2024 · 0.01
Debt to equity
2.66▲
2024 · 2.63
ROE
0.4%▲
2024 · -8.2%
ROA
0.1%▲
2024 · -2.3%
Interest coverage
11.74▲
2024 · 3.07
Debt ≤ 1 year
€424k▲
2024 · €393k
Debt > 1 year
€123k▼
2024 · €145k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 29 lines
Balance sheet
Code20242025
Assets
Total assets20/58€742k€752k▲
Fixed assets21/28€738k€748k▲
Tangible fixed assets22/27€738k€748k▲
Land and buildings22€738k€748k▲
Current assets29/58€4k€4k▼
Cash at bank and in hand54/58€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€742k€752k▲
Equity10/15€205k€205k▲
Contributions10/11€280k€280k=
Profit (loss) carried forward14€-75k€-75k▲
Amounts payable17/49€538k€547k▲
Amounts payable after more than one year17€145k€123k▼
Financial debts170/4€145k€123k▼
Amounts payable within one year42/48€393k€424k▲
Current portion of amounts payable after more than one year42€21k€22k▲
Trade debts44€268€32k▲
Suppliers440/4€268€32k▲
Other amounts payable47/48€371k€370k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€24k▲
Other operating charges640/8€6k€5k▼
Gross operating margin9900€14k€32k▲
Operating profit (loss)9901€-14k€3k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-17k€854▲
Profit (loss) for the period9904€-17k€854▲
Profit (loss) for the period to be appropriated9905€-17k€854▲
Appropriation of the result
Profit (loss) to be appropriated9906€-75k€-75k▲
Profit (loss) brought forward from the previous period14P€-59k€-75k▼
The notes to these accounts (6 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Back to profitnet €854
Net result €854 after 3 loss-making years.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-34k
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
04-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 126 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Schaarbeek · 1 establishment unit since 2022
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.
Kerselarenlaan 271030 SchaarbeekGround area
386 m²
Building footprint
152 m²
Volume, LiDAR
2,137 m³
Parcel 21911C0139/00B016, Brussels · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
L&O INVEST
since 20222.328.471.043
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21911C0139/00B016 | Brussels | 386 m² | 1 · 152 m² | 18.4 m · 5 fl. |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.