L&S
ActiveThe computed 12-month bankruptcy probability of L&S is 2.0% (moderate). The 2025 annual accounts show equity of €20k and a net result of €-3k. Equity is shrinking by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 16% of 920 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-6
Solvency32=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.86 in 2024; short-term debt: 25.7% and cash: 4.4% of total assets), and 93.4% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6.6%
Return on assets
-1.1%
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 16% of 920 sector peers (2025).
NBB · sector comparisonPosition among 920 sector peers
Solvency
better than 16%
← 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 07-08-2026, 7 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 filingsDeviation from the deadline
2025
7 d late
2024
53 d late
2023
124 d late
2022
92 d late
2021
43 d late
2020
104 d late
2019
132 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€213k
EBIT margin
6.7%
Net result
€-3k
2024 · €12k
2018: €1k
2019: €-1k
2020: €-17k
2021: €-13k
2022: €6k
2023: €34
2024: €12k
2018 → 2025
Working capital
€-7k▲ 55.2%
2024 · €-15k
2018: €15k
2019: €41k
2020: €-36k
2021: €-45k
2022: €-30k
2023: €-38k
2024: €-15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€213k
Equity€5k-€11k▲ 117%€11k▲ 0.3%€23k▲ 112%€20k▼ 14.4%
Operating result€-4k-€14k€9k▼ 38.3%€27k▲ 203%€7k▼ 75.3%
Net result€-13k-€6k€34▼ 99.4%€12k▲ 36,367%€-3k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €299k
Fixed assets
€229k▼ 13.0%
Current assets
€70k▼ 19.9%
Equity and liabilities €299k
Equity
€20k▼ 14.4%
Debt
€279k▼ 14.8%
The debt ratio stays at 93.4%.
Key figures and ratios
EBITDA
€41k▼
2024 · €63k
Cash flow
€31k▼
2024 · €49k
Solvency
6.6%▲
2024 · 6.6%
Current ratio
0.91▲
2024 · 0.86
Quick ratio
0.91▲
2024 · 0.86
Debt / equity
14.04▼
2024 · 14.11
ROE
-16.8%▼
2024 · 52.9%
ROA
-1.1%▼
2024 · 3.5%
Interest coverage
7.88▼
2024 · 11.07
Debt
€279k▼
2024 · €328k
Debt ≤ 1 year
€77k▼
2024 · €102k
Debt > 1 year
€202k▼
2024 · €225k
Income taxes
€5k▼
2024 · €9k
Staff costs
€118k▼
2024 · €119k
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€351k€299k▼
Fixed assets21/28€263k€229k▼
Intangible fixed assets21€18k€14k▼
Tangible fixed assets22/27€245k€215k▼
Land and buildings22€233k€210k▼
Plant, machinery and equipment23€1k€347▼
Furniture and vehicles24€11k€4k▼
Financial fixed assets28€25€25=
Current assets29/58€88k€70k▼
Amounts receivable within one year40/41€41k€55k▲
Trade receivables40€8k€24k▲
Other amounts receivable41€33k€31k▼
Cash at bank and in hand54/58€45k€13k▼
Deferred charges and accrued income490/1€2k€2k=
Equity and liabilities
Total equity and liabilities10/49€351k€299k▼
Equity10/15€23k€20k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€12k€12k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€10k€10k=
Profit (loss) carried forward14€-7k€-11k▼
Amounts payable17/49€328k€279k▼
Amounts payable after more than one year17€225k€202k▼
Financial debts170/4€225k€202k▼
Amounts payable within one year42/48€102k€77k▼
Current portion of amounts payable after more than one year42€26k€23k▼
Trade debts44€39k€14k▼
Suppliers440/4€39k€14k▼
Advances received on contracts in progress46€5k€5k=
Taxes, remuneration and social security45€22k€24k▲
Taxes450/3€16k€20k▲
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48€11k€11k=
Income statement
Code20242025
Remuneration, social security and pensions62€119k€118k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€34k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€185k€161k▼
Operating profit (loss)9901€27k€7k▼
Financial income75/76B€21-
Recurring financial income75€21-
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€21k€1k▼
Income taxes67/77€9k€5k▼
Profit (loss) for the period9904€12k€-3k▼
Profit (loss) for the period to be appropriated9905€12k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-11k▼
Profit (loss) brought forward from the previous period14P€-20k€-7k▲
The notes to these accounts (9 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 7 days late
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 53 days late
2024
31-12
Financial
Highest result since 2018net €12k ▲36367%
Operating result €27k, net result €12k, both a record.
02-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 124 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after 3 loss-making years.
12-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 43 days late
2021
12-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 104 days late
2020
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
10-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 132 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 2 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are 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, Anderlecht · 1 establishment unit since 2015
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.
Frans van Kalkenlaan 91070 AnderlechtGround area
3,061 m²
Building footprint
1,869 m²
Volume, LiDAR
16,881 m³
2 parcels, Brussels, Flanders · tallest building 40.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
L&S
since 20152.246.451.605
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306D0325/00F000 | Brussels | 2,312 m² | 1 · 1,725 m² | 40.0 m · 1 fl. |
| 23016C0123/00X003 | Flanders | 749 m² | 1 · 144 m² | 12.7 m · 3 fl. |
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.
Similar companies · same sector, comparable size
Maya Cleaning Services
BE 0799.197.846
Essen · Eq €20k
BUILDING WORKS SERVICES
BE 1007.465.259
Antwerpen · Eq €20k
DFC SERVICES
BE 1005.198.825
Vorst · Eq €20k
NETTOBEL H&S CLEANING
BE 0737.793.579
Brussel · Eq €20k
Facile à Net
BE 0782.448.619
Lincent · Eq €20k
Of 7,356 companies in sector 81210 we hold annual accounts for 2,731. 2,098 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2015
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
82990Other business support services
70200Business and other management consultancy
70220Business consulting
81230Other cleaning activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82200Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.