L&W
ActiveL&W has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €98k and a net result of €93k. Its solvency ranks better than 45% of 7954 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes
Profitability100
Solvency78
Growth-
Stability67
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity tight (current ratio 1.46), and 54.9% of the assets are financed with debt.
Credit advice 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
45.1%
Return on assets
42.8%
Age of the figures
8 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 · 1 filingDeviation from the deadline
2025
17 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€98k
Total assets
€216k
Net result
€93k
Working capital
€45k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €216k
Fixed assets
€74k
Current assets
€143k
Equity and liabilities €216k
Equity
€98k
Debt
€119k
Debt finances 54.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€148k
Cash flow
€108k
Solvency
45.1%
Current ratio
1.46
Quick ratio
1.46
Debt / equity
1.22
ROE
94.9%
ROA
42.8%
Interest coverage
21.83
Debt
€119k
Debt ≤ 1 year
€98k
Debt > 1 year
€21k
Income taxes
€33k
Staff costs
€1k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€216k
Fixed assets21/28€74k
Tangible fixed assets22/27€74k
Plant, machinery and equipment23€2k
Furniture and vehicles24€71k
Other tangible fixed assets26€1k
Current assets29/58€143k
Amounts receivable within one year40/41€79k
Trade receivables40€59k
Other amounts receivable41€21k
Cash at bank and in hand54/58€48k
Deferred charges and accrued income490/1€16k
Equity and liabilities
Total equity and liabilities10/49€216k
Equity10/15€98k
Contributions10/11€5k
Reserves13€93k
Distributable reserves133€93k
Amounts payable17/49€119k
Amounts payable after more than one year17€21k
Financial debts170/4€21k
Amounts payable within one year42/48€98k
Current portion of amounts payable after more than one year42€10k
Financial debts43€12k
Credit institutions430/8€12k
Trade debts44€39k
Suppliers440/4€39k
Taxes, remuneration and social security45€21k
Taxes450/3€21k
Other amounts payable47/48€16k
Income statement
Code2025
Remuneration, social security and pensions62€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k
Other operating charges640/8€2k
Gross operating margin9900€151k
Operating profit (loss)9901€132k
Financial income75/76B€55
Recurring financial income75€55
Financial charges65/66B€7k
Recurring financial charges65€7k
Profit (loss) for the period before taxes9903€125k
Income taxes67/77€33k
Profit (loss) for the period9904€93k
Profit (loss) for the period to be appropriated9905€93k
Appropriation of the result
Profit (loss) to be appropriated9906€93k
Transfer to equity691/2€93k
To other reserves6921€93k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Mandate compensation3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Mandate compensation3 facts ▸
- General meeting, 2026-06-30
- Director appointment, Lisa Van Steen (bestuurder)
- Mandate compensation, Lisa Van Steen
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
State Gazette actNBB filing
Directors · office · real estate
Directors
1 director, no change since 2026
Lisa Van Steen
CurrentDirector · since 30-06-2026
30-06-2026
Appointed as Director
Location & real-estate footprint
Registered office, Stekene · 1 establishment unit since 2024
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.
Nieuwdorp(STE) 109190 StekeneGround area
218 m²
Building footprint
109 m²
Parcel 46322C0562/00W002, Flanders · tallest building 0.2 m. Linked by address, not a title deed.
1 establishment unit
L&W
since 20242.366.549.382
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46322C0562/00W002 | Flanders | 218 m² | 1 · 109 m² | 0.2 m |
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
GREG TOITURES
BE 0799.541.207
Faimes · Eq €97k
GE TopElec-Toit
BE 0748.623.927
Gent · Eq €97k
M B TOITURES SA
BE 0804.756.639
Froidchapelle · Eq €97k
Dermaut - Vanhees
BE 0662.395.578
Kalmthout · Eq €97k
BLANCQUAERT STEVEN
BE 0864.178.146
Gent · Eq €98k
Of 8,483 companies in sector 43410 we hold annual accounts for 4,308. 3,754 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-09-2024
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
64200Holdings
64210Activities of holding companies
43350Other building finishing work
43429Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.