LML
ActiveThe computed 12-month bankruptcy probability of LML is 3.8% (moderate). The 2025 annual accounts show negative equity (€-39k) and a net result of €-78k. Equity is shrinking by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 12% of 2506 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
7
/ 100
Critical▼ -20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency38▼-7
Growth32=
Stability100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.73 against 1.15 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
+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 2025Solvency, return and age of the figures
Solvency
-24.4%
Return on assets
-49.2%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year -€39k
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
20 d late
2024
40 d early
2023
28 d early
2022
32 d early
2021
33 d early
2020
53 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-39k
2024 · €40k
2020: €86k
2021: €87k
2022: €71k
2023: €70k
2024: €40k
2020 → 2025
Total assets
€159k▲ 8.7%
2024 · €147k
2020: €128k
2021: €129k
2022: €103k
2023: €126k
2024: €147k
2020 → 2025
Net result
€-78k▼ 162%
2024 · €-30k
2020: €1k
2021: €1k
2022: €-16k
2023: €-1k
2024: €-30k
2020 → 2025
Working capital
€-53k
2024 · €17k
2020: €42k
2021: €46k
2022: €37k
2023: €34k
2024: €17k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€71k▼ 18.5%€70k▼ 2.0%€40k▼ 43.1%€-39k
Operating result€2k-€-15k€377€-29k€-77k▼ 164%
Net result€1k-€-16k€-1k▲ 91.4%€-30k▼ 2,056%€-78k▼ 162%
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 €77k in 2025 against €29k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €159k
Fixed assets
€17k▼ 27.7%
Current assets
€143k▲ 15.4%
Key figures and ratios
EBITDA
€-71k▼
2024 · €-15k
Cash flow
€-72k▼
2024 · €-15k
Solvency
-24.4%▼
2024 · 27.0%
Current ratio
0.73▼
2024 · 1.15
Quick ratio
0.05▼
2024 · 0.22
Debt / equity
-5.10▼
2024 · 2.70
ROE
201.9%▲
2024 · -75.7%
ROA
-49.2%▼
2024 · -20.5%
Interest coverage
-38.21▼
2024 · -5.72
Debt
€198k▲
2024 · €107k
Debt ≤ 1 year
€196k▲
2024 · €107k
Income taxes
€169
Staff costs
€80k▼
2024 · €81k
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€147k€159k▲
Fixed assets21/28€23k€17k▼
Tangible fixed assets22/27€18k€12k▼
Plant, machinery and equipment23€1k€746▼
Furniture and vehicles24€5k€1k▼
Other tangible fixed assets26€12k€10k▼
Financial fixed assets28€5k€5k▼
Current assets29/58€124k€143k▲
Stocks and contracts in progress3€100k€132k▲
Stocks30/36€100k€132k▲
Amounts receivable within one year40/41€120€384▲
Trade receivables40€120€384▲
Cash at bank and in hand54/58€13k€7k▼
Deferred charges and accrued income490/1€11k€3k▼
Equity and liabilities
Total equity and liabilities10/49€147k€159k▲
Equity10/15€40k€-39k▼
Contributions10/11€85k€85k=
Reserves13€626€626=
Distributable reserves133€626€626=
Profit (loss) carried forward14€-46k€-124k▼
Amounts payable17/49€107k€198k▲
Amounts payable within one year42/48€107k€196k▲
Trade debts44€11k€9k▼
Suppliers440/4€11k€9k▼
Taxes, remuneration and social security45€17k€16k▼
Taxes450/3€6k€6k▲
Remuneration and social security454/9€11k€9k▼
Other amounts payable47/48€79k€172k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€81k€80k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€6k▼
Other operating charges640/8€387€1k▲
Non-recurring operating charges66A-€26
Gross operating margin9900€67k€10k▼
Operating profit (loss)9901€-29k€-77k▼
Financial income75/76B€2k€890▼
Recurring financial income75€2k€890▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-30k€-78k▼
Income taxes67/77-€169
Profit (loss) for the period9904€-30k€-78k▼
Profit (loss) for the period to be appropriated9905€-30k€-78k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-46k€-124k▼
Profit (loss) brought forward from the previous period14P€-16k€-46k▼
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
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Weakest financial yearnet €-78k
Net result drops to €-78k, the lowest in the series.
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Liège · 2 establishment units since 2019
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.
Rue Saint-Gilles 111 / 1134000 LiègeGround area
205 m²
Building footprint
275 m²
Volume, LiDAR
899 m³
2 parcels, Wallonia · tallest building 17.7 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
LML
since 20192.293.890.345
LML SRL
since 20232.363.045.209
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62803B0026/00B000 | Wallonia | 147 m² | 1 · 219 m² | - |
| 62063A0982/00K003 | Wallonia | 58 m² | 1 · 56 m² | 17.7 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ES CAP MONS
BE 0478.803.876
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ELLIPSE Trades & Services
BE 0838.052.779
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BORSELLINO
BE 0406.343.490
Roeselare · Eq €41k
LIES MERTENS
BE 0689.569.931
Antwerpen · Eq €38k
TOPS FASHION
BE 0817.422.760
Bilzen-Hoeselt · Eq €44k
Of 410 companies in sector 47722 we hold annual accounts for 165. 119 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2019
Fiscal year end31-12
Activities, NACEBEL
47722Retail trade
95230Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.