L&Z
ActiveThe computed 12-month bankruptcy probability of L&Z is 1.7% (moderate). The 2025 annual accounts show equity of €385k and a net result of €-28k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 800 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-63
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 5.37 against 3.22 in 2024), and 11.3% 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+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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
23 d late
2024
31 d late
2023
28 d late
2022
28 d late
2021
61 d late
2020
84 d late
2019
116 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-28k
2024 · €52k
2018: €52k
2019: €26k
2020: €-74k
2021: €38k
2022: €156k
2023: €81k
2024: €52k
2018 → 2025
Working capital
€208k▼ 7.7%
2024 · €226k
2018: €-153k
2019: €-110k
2020: €-158k
2021: €-86k
2022: €81k
2023: €184k
2024: €226k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€279k▲ 126%€360k▲ 29.1%€412k▲ 14.5%€385k▼ 6.8%
Operating result€40k-€188k▲ 372%€112k▼ 40.5%€83k▼ 25.8%€-26k
Net result€38k-€156k▲ 310%€81k▼ 48.0%€52k▼ 35.8%€-28k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €26k after €83k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €433k
Fixed assets
€177k▼ 5.6%
Current assets
€256k▼ 21.7%
Equity and liabilities €433k
Equity
€385k▼ 6.8%
Debt
€49k▼ 52.4%
The debt ratio falls from 19.9% to 11.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€3k▼
2024 · €112k
Cash flow
€1k▼
2024 · €81k
Solvency
88.7%▲
2024 · 80.1%
Current ratio
5.37▲
2024 · 3.22
Quick ratio
5.19▲
2024 · 3.18
Debt / equity
0.13▼
2024 · 0.25
ROE
-7.2%▼
2024 · 12.6%
ROA
-6.4%▼
2024 · 10.1%
Interest coverage
0.73▼
2024 · 17.81
Debt
€49k▼
2024 · €102k
Debt ≤ 1 year
€48k▼
2024 · €101k
Staff costs
€121k▼
2024 · €159k
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€515k€433k▼
Fixed assets21/28€188k€177k▼
Tangible fixed assets22/27€182k€171k▼
Land and buildings22€131k€131k▲
Plant, machinery and equipment23€130€63▼
Furniture and vehicles24€34k€27k▼
Other tangible fixed assets26€17k€14k▼
Financial fixed assets28€6k€6k=
Current assets29/58€327k€256k▼
Stocks and contracts in progress3€4k€8k▲
Stocks30/36€4k€8k▲
Amounts receivable within one year40/41€51k€56k▲
Trade receivables40€6k€15k▲
Other amounts receivable41€45k€41k▼
Cash at bank and in hand54/58€272k€190k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€515k€433k▼
Equity10/15€412k€385k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Share premium1100/10€19k-
Other1109/19-€19k
Reserves13€393k€366k▼
Non-distributable reserves130/1€2k€2k=
Legal reserve130-€2k
Reserves not available under the articles1311€2k-
Distributable reserves133€391k€364k▼
Profit (loss) carried forward14€841€-3▼
Amounts payable17/49€102k€49k▼
Amounts payable within one year42/48€101k€48k▼
Trade debts44€23k€375▼
Suppliers440/4€23k€375▼
Taxes, remuneration and social security45€78k€47k▼
Taxes450/3€56k€28k▼
Remuneration and social security454/9€23k€20k▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€159k€121k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▼
Other operating charges640/8€4k€25k▲
Gross operating margin9900€275k€149k▼
Operating profit (loss)9901€83k€-26k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€78k€-28k▼
Income taxes67/77€26k-
Profit (loss) for the period9904€52k€-28k▼
Profit (loss) for the period to be appropriated9905€52k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€-27k▼
Profit (loss) brought forward from the previous period14P€841€841=
Transfer from equity791/2-€27k
Transfer to equity691/2€52k-
To other reserves6921€52k-
Social balance
Average headcount (FTE)90876.06.0=
The notes to these accounts (5 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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 23 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
31-12
Financial
Highest result since 2018net €156k ▲310%
Operating result €188k, net result €156k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 2.14
Current ratio from 0.57 to 2.14; short-term debt falls from €201k to €71k.
31-12
Financial
Equity above €200kEq €279k ▲126%
2 profitable years in a row build equity to €279k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
2021
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
31-12
Financial
Equity above €100kEq €123k ▲44.6%
Equity rises from €85k to €123k.
23-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 84 days late
2020
31-12
Financial
Weakest financial yearnet €-74k ▼386%
Net result drops to €-74k, the lowest in the series; recovery starts the following year.
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 116 days late
2019
31-12
Financial
Equity above €150kEq €159k ▲19.4%
2 profitable years in a row build equity to €159k.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 43 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Arlon · 1 establishment unit since 2013
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.
Avenue de Longwy 3786700 ArlonGround area
2,807 m²
Building footprint
588 m²
Volume, LiDAR
4,681 m³
Parcel 81005A0044/00V005, Wallonia · tallest building 12.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Les Saveurs d'Asie
since 20132.221.038.791
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81005A0044/00V005 | Wallonia | 2,807 m² | 1 · 588 m² | 12.5 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteArlon2.221.038.791
Similar companies · same sector, comparable size
Multi-Stone
BE 0458.228.394
Beerse · Eq €385k
MADIGO
BE 0846.379.240
Theux · Eq €384k
REO-CATERING
BE 0863.817.860
Roeselare · Eq €385k
SUPREME WOK
BE 0787.747.391
Châtelet · Eq €385k
CASAMI
BE 0835.823.165
Koksijde · Eq €384k
Of 20,510 companies in sector 56111 we hold annual accounts for 11,456. 7,001 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2012
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.