L & W
ActiveL & W has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €167k and a net result of €92k. Equity is growing by ~33% per year across the filed fiscal years. Its solvency ranks better than 63% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+6
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 3.18 against 2.7 in 2024), and 31.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
68.9%
Return on assets
38.1%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
56 d late
2023
15 d late
2022
1 d early
2021
on the day
2020
15 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€167k▲ 86.3%
2024 · €90k
2019: €36k
2020: €17k
2021: €47k
2022: €54k
2023: €54k
2024: €90k
2019 → 2025
Total assets
€243k▲ 30.5%
2024 · €186k
2019: €59k
2020: €61k
2021: €83k
2022: €82k
2023: €71k
2024: €186k
2019 → 2025
Net result
€92k▲ 156%
2024 · €36k
2019: €13k
2020: €-19k
2021: €30k
2022: €8k
2023: €-737
2024: €36k
2019 → 2025
Working capital
€163k▲ 44.0%
2024 · €113k
2019: €32k
2020: €7k
2021: €34k
2022: €40k
2023: €52k
2024: €113k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€54k▲ 16.3%€54k▼ 1.4%€90k▲ 67.5%€167k▲ 86.3%
Operating result€35k-€12k▼ 64.4%€521▼ 95.8%€55k▲ 10,443%€129k▲ 136%
Net result€30k-€8k▼ 74.3%€-737€36k€92k▲ 156%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 136% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €243k
Fixed assets
€5k▼ 21.5%
Current assets
€238k▲ 32.2%
Equity and liabilities €243k
Equity
€167k▲ 86.3%
Debt
€75k▼ 21.7%
The debt ratio falls from 51.7% to 31.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€131k▲
2024 · €63k
Cash flow
€94k▲
2024 · €44k
Solvency
68.9%▲
2024 · 48.3%
Current ratio
3.18▲
2024 · 2.70
Quick ratio
3.18▲
2024 · 2.70
Debt / equity
0.45▼
2024 · 1.07
ROE
55.3%▲
2024 · 40.3%
ROA
38.1%▲
2024 · 19.4%
Interest coverage
32.32▲
2024 · 15.92
Debt
€75k▼
2024 · €96k
Debt ≤ 1 year
€75k▲
2024 · €67k
Income taxes
€36k▲
2024 · €16k
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€186k€243k▲
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€180k€238k▲
Amounts receivable within one year40/41€158k€213k▲
Trade receivables40€108k€170k▲
Other amounts receivable41€50k€42k▼
Cash at bank and in hand54/58€19k€19k=
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€186k€243k▲
Equity10/15€90k€167k▲
Contributions10/11€19k€19k=
Reserves13€71k€149k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€18k€18k=
Distributable reserves133€51k€129k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€96k€75k▼
Amounts payable within one year42/48€67k€75k▲
Trade debts44€25k€20k▼
Suppliers440/4€25k€20k▼
Taxes, remuneration and social security45€42k€54k▲
Taxes450/3€42k€54k▲
Accrued charges and deferred income492/3€29k€481▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€1k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€66k€134k▲
Operating profit (loss)9901€55k€129k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€52k€128k▲
Income taxes67/77€16k€36k▲
Profit (loss) for the period9904€36k€92k▲
Profit (loss) for the period to be appropriated9905€36k€92k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€92k▲
Transfer from equity791/2€0€15k▲
Transfer to equity691/2€36k€92k▲
To other reserves6921€36k€92k▲
Profit to be distributed694/7-€15k
Return on contributions (dividend)694-€15k
The notes to these accounts (4 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €92k ▲156%
Operating result €129k, net result €92k, both a record.
30-06
Financial
Equity above €150kEq €167k ▲86.3%
2 profitable years in a row build equity to €167k.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
30-06
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
15-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
2023
30-06
Financial
Liquidity triplescurrent ratio 6.96
Current ratio from 2.43 to 6.96; short-term debt falls from €28k to €9k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 15 days late
2020
30-06
Financial
Weakest financial yearnet €-19k ▼249%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Zutendaal · 1 establishment unit since 2010
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.
Kapelveldstraat 103690 ZutendaalGround area
2,534 m²
Building footprint
216 m²
Volume, LiDAR
758 m³
Parcel 71582E0069/00M000, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
L & W
since 20102.185.742.372
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71582E0069/00M000 | Flanders | 2,534 m² | 1 · 216 m² | 6.1 m · 1 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.
Similar companies · same sector, comparable size
MOSS,Multidisciplinary Office for Architecture and Structural Engineering
BE 0874.539.528
Jette · Eq €167k
SCALING UP
BE 0721.763.934
Watermaal-Bosvoorde · Eq €167k
Werner Fastenaekels
BE 0821.748.267
Halle · Eq €167k
PM Mertens
BE 0780.940.763
Oudsbergen · Eq €167k
AXBAX
BE 0700.637.334
Ukkel · Eq €167k
Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 40,568 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-02-2010
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
31001Manufacture of furniture
31004Manufacture of dining room, living room, bedroom and bathroom furniture
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.