Financials
- Fiscal year
- 2025
- Total assets
- €4.1m
- Profit
- €44,985
- Solvency
- -18.6%
Total assets▲ 37.7%
Net result
20182025
L & T CONCEPT
ActiveSummary
L & T CONCEPT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€760,079) and a net result of €44,985. Equity is shrinking by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 10% of 15312 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
1 site
Size
€4.1mtotal assets 2025
- Equity
- -€760,079
- Profit
- €44,985
Turnover not published (abridged schema)
Structure
Accounts 8 d early0 of 7 deeds read
Why 55Capped at 59: negative equity- Liquidity: current ratio 25.67, cash €7,356, halved- Negative equity -€760,079+ Size: total assets €4.1m+ Figures for FY 2025 (filed 23-07-2026)Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 39% of its sector peers (NACE 68, small)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
6+6
equity -18.6% of total assets
Liquidity
50-13
short-term debt 3.5% · cash 0.2%
Profitability
35+27
return on assets 1.1%
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 15 months
08-2025: 1.3%highest value
09-2025: 0.3%▼ -73.5% vs 08-2025lowest value
10-2025: 0.3%● 0.0% vs 09-2025lowest value
11-2025: 0.3%● 0.0% vs 10-2025lowest value
12-2025: 0.3%● 0.0% vs 11-2025lowest value
01-2026: 0.3%● 0.0% vs 12-2025lowest value
02-2026: 0.3%▲ +2.1% vs 01-2026
03-2026: 0.4%▲ +15.0% vs 02-2026
04-2026: 0.4%▲ +5.1% vs 03-2026
05-2026: 0.4%▲ +1.2% vs 04-2026
06-2026: 0.5%▲ +19.5% vs 05-2026
07-2026: 0.5%▲ +4.4% vs 06-2026
08-2026: 0.4%▼ -18.7% vs 07-2026
09-2026: 0.4%● 0.0% vs 08-2026
10-2026: 0.4%● 0.0% vs 09-2026
- Liquidity: current ratio 25.67, cash €7,356, halved raises the probability
- Negative equity -€760,079 raises the probability
- Size: total assets €4.1m lowers the probability for this profile
- Figures for FY 2025 (filed 23-07-2026) lowers the probability
No credit on open account
Liquidity ample (current ratio 25.67 against 43.42 in 2024; short-term debt: 3.5% and cash: 0.2% of total assets), but equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, small). Better than this share of them on solvency 4%, liquidity 57%, profitability 30%, growth against the median 65%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 15312 sector peers (2025).
NBB · sector comparisonPosition among 15312 sector peers
Solvency
better than 10%
← weakest
strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
7 d late
2023
34 d early
2022
24 d late
2021
30 d late
2020
30 d late
2019
31 d 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 11 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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. Usually files around 7 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €44,985
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 31-07-2027
- 23-07-2026Annual accounts filed
- 31-12-2025Back to profit
- 07-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Renting and operating of own or leased residential…NACE 68201
- Founded
- 13-05-2004
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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