L & Z ENTERPRISES
ActiveThe computed 12-month bankruptcy probability of L & Z ENTERPRISES is 2.4% (moderate). The 2025 annual accounts show negative equity (€-3k) and a net result of €-2k. Equity is shrinking by ~91.9% per year across the filed fiscal years. Its solvency ranks better than 8% of 2538 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
19
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▲+4
Solvency0=
Growth62▼-10
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Age of the figures
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-3k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
4 d late
2023
49 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€46k▼ 9.5%
2024 · €50k
2023: €37k
2024: €50k
2023 → 2025
EBIT margin
-3.2%▲ 7.1pp
2024 · -10.3%
2023: -15.8%
2024: -10.3%
2023 → 2025
Net result
€-2k▲ 69.1%
2024 · €-5k
2023: €-6k
2024: €-5k
2023 → 2025
Working capital
€-6k▲ 37.8%
2024 · €-10k
2023: €-117
2024: €-10k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€37k-€50k▲ 35.9%€46k▼ 9.5%
Equity€4k-€-7k€-3k▲ 51.7%
Operating result€-6k-€-5k▲ 11.3%€-1k▲ 71.9%
Net result€-6k-€-5k▲ 10.4%€-2k▲ 69.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3k
Fixed assets
€3k▼ 11.7%
Current assets
€341▼ 84.2%
Key figures and ratios
EBITDA
€-1k▲
2024 · €-5k
Cash flow
€-1k▲
2024 · €-5k
Interest coverage
-5.73▲
2024 · -38.95
Debt
€7k▼
2024 · €12k
Debt ≤ 1 year
€7k▼
2024 · €12k
Staff costs
€24k▼
2024 · €37k
Ratios withheld: a balance sheet total of €3k is too small for a meaningful ratio.
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€6k€3k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€873€603▼
Other tangible fixed assets26€1k€897▼
Financial fixed assets28€2k€2k=
Current assets29/58€2k€341▼
Cash at bank and in hand54/58€2k€341▼
Equity and liabilities
Total equity and liabilities10/49€6k€3k▼
Equity10/15€-7k€-3k▲
Contributions10/11€5k€10k▲
Profit (loss) carried forward14€-11k€-13k▼
Amounts payable17/49€12k€7k▼
Amounts payable within one year42/48€12k€7k▼
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€12k€5k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€6k€2k▼
Other amounts payable47/48-€10
Income statement
Code20242025
Turnover70€50k€46k▼
Goods, raw materials, services and sundry goods60/61€17k€23k▲
Remuneration, social security and pensions62€37k€24k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€409€409=
Other operating charges640/8€1k€158▼
Gross operating margin9900€33k€23k▼
Operating profit (loss)9901€-5k€-1k▲
Financial charges65/66B€123€184▲
Recurring financial charges65€123€184▲
Profit (loss) for the period before taxes9903€-5k€-2k▲
Profit (loss) for the period9904€-5k€-2k▲
Profit (loss) for the period to be appropriated9905€-5k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-13k▼
Profit (loss) brought forward from the previous period14P€-6k€-11k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
NBB filing
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-03-2024
Resigned as Director
Location & real-estate footprint
Registered office, Zelzate · 1 establishment unit since 2023
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.
Grote Markt 1019060 ZelzateGround area
505 m²
Building footprint
237 m²
Volume, LiDAR
1,114 m³
Parcel 43302B0699/00N000, Flanders · tallest building 5.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L & Z ENTERPRISES
since 20232.340.360.570
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43302B0699/00N000 | Flanders | 505 m² | 1 · 237 m² | 5.8 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.
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Of 3,209 companies in sector 95316 we hold annual accounts for 752. 354 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2023
Fiscal year end31-12
Activities, NACEBEL
95316Washing and cleaning of motor vehicles
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.