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L3M Advisory

Active
Private limited companyfounded 20251 yr activeFlandrienlaan 35, 9190 Stekene, BelgiumKBO/BCE: BE 1024.766.495
Summary

L3M Advisory has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16,215 and a net result of €17,048. Its solvency ranks better than 27% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes
Profitability100
Solvency50
Growth-
Track record67
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.6; short-term debt: 34.9% and cash: 16.5% of total assets), and 74.9% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
25.1%
Return on assets
26.4%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
31 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 26 June 2025, L3M Advisory was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€16,215
Total assets
€64,601
Net result
€17,048
Working capital
-€8,986

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €64,601
Fixed assets €51,039
Current assets €13,561
Equity and liabilities €64,601
Equity €16,215
Debt €48,386
Debt finances 74.9% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€24,987
Cash flow
€18,201
Current ratio
0.60
Debt to equity
2.98
ROE
105.1%
ROA
26.4%
Interest coverage
36.63
Debt ≤ 1 year
€22,547
Debt > 1 year
€24,809
Income taxes
€6,103
Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 38 lines
Balance sheet Code2025
Assets
Total assets20/58€64,601
Fixed assets21/28€51,039
Tangible fixed assets22/27€1,039
Furniture and vehicles24€1,039
Financial fixed assets28€50,000
Current assets29/58€13,561
Amounts receivable within one year40/41€1,564
Trade receivables40€1,564
Cash at bank and in hand54/58€10,682
Deferred charges and accrued income490/1€1,315
Equity and liabilities
Total equity and liabilities10/49€64,601
Equity10/15€16,215
Reserves13€16,215
Distributable reserves133€16,215
Profit (loss) carried forward14€0
Amounts payable17/49€48,386
Amounts payable after more than one year17€24,809
Financial debts170/4€24,809
Amounts payable within one year42/48€22,547
Current portion of amounts payable after more than one year42€9,859
Taxes, remuneration and social security45€11,706
Taxes450/3€11,706
Other amounts payable47/48€982
Accrued charges and deferred income492/3€1,030
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,153
Gross operating margin9900€24,987
Operating profit (loss)9901€23,833
Financial charges65/66B€682
Recurring financial charges65€682
Profit (loss) for the period before taxes9903€23,151
Income taxes67/77€6,103
Profit (loss) for the period9904€17,048
Profit (loss) for the period to be appropriated9905€17,048
Appropriation of the result
Profit (loss) to be appropriated9906€17,048
Transfer to equity691/2€16,215
To other reserves6921€16,215
Profit to be distributed694/7€833
Return on contributions (dividend)694€833

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,153
Gross operating margin9900€24,987
Operating profit (loss)9901€23,833
Financial charges65/66B€682
Recurring financial charges65€682
Profit (loss) for the period before taxes9903€23,151
Income taxes67/77€6,103
Profit (loss) for the period9904€17,048
Profit (loss) for the period to be appropriated9905€17,048
Line2025
Assets
Total assets20/58€64,601
Fixed assets21/28€51,039
Tangible fixed assets22/27€1,039
Furniture and vehicles24€1,039
Financial fixed assets28€50,000
Current assets29/58€13,561
Amounts receivable within one year40/41€1,564
Trade receivables40€1,564
Cash at bank and in hand54/58€10,682
Deferred charges and accrued income490/1€1,315
Equity and liabilities
Total equity and liabilities10/49€64,601
Equity10/15€16,215
Reserves13€16,215
Distributable reserves133€16,215
Profit (loss) carried forward14€0
Amounts payable17/49€48,386
Amounts payable after more than one year17€24,809
Financial debts170/4€24,809
Amounts payable within one year42/48€22,547
Current portion of amounts payable after more than one year42€9,859
Taxes, remuneration and social security45€11,706
Taxes450/3€11,706
Other amounts payable47/48€982
Accrued charges and deferred income492/3€1,030
Line2025
Profit (loss) for the period9904€17,048
+ Depreciation and write-downs630€1,153
Operating cash flow (approximation)€18,201

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
30-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Stekene · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
313 m²
Building footprint
85 m²
Volume, LiDAR
89 m³
Parcel 46324E0463/00E004, Flanders · tallest building 2.7 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
L3M Advisory
Flandrienlaan 35, 9190 StekeneOther financial services
since 20252.376.071.418
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46324E0463/00E004 Flanders 313 m² 1 · 85 m² 2.7 m
Linked by address, not proof of ownership
Good to know
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

Of 82,646 companies in sector 70200 we hold annual accounts for 52,627. 28,319 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded26-06-2025
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:1024766495
Also 9925:BE1024766495
Registered 08-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.