Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 5 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
B & L from Estaimpuis, company number BE0455597518, closed financial year 2025 with a result of € -7,198 after tax. For that financial year B & L recorded a gross margin of € 27,653 and equity of € 299,818. Compared with financial year 2024, the result moved from € 7,576 to € -7,198. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on April 30, 2026.
€ 299,818
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -7,198
▼ still € 7,576 profit in 2024
Profit after tax over the fiscal year.
€ 122
▼ 23% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 281,226.
People and assets in 2025
€ 21,042
▼ 23% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 71,563
▼ 15% vs 2024
€ 13,702 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 5,763
▼ 14% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,465
▼ 31% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 45,513 | € 191,603 | € 47,560 | € 27,653 | ▼ 42% |
| Profit after taxes | € -3,948 | € 106,966 | € 7,576 | € -7,198 | ▼ € 14,774 |
| Equity | € 194,074 | € 299,440 | € 307,016 | € 299,818 | ▼ 2% |
| Total debts | € 493,330 | € 284,851 | € 223,967 | € 212,058 | ▼ 5% |
| Cash | € 4,255 | € 32,600 | € 158 | € 122 | ▼ 23% |
| Land & buildings | € 771,724 | € 664,088 | € 640,949 | € 617,810 | ▼ 4% |
| Retained profit | € 175,482 | € 280,848 | € 288,424 | € 281,226 | ▼ 2% |
| Dividend | € 3,200 | € 1,600 | € 0 | € 0 | |
| Bank debt | € 290,000 | € 97,002 | € 84,603 | € 71,563 | ▼ 15% |
| Balance sheet total | € 792,751 | € 724,709 | € 668,299 | € 646,090 | ▼ 3% |
Key figures of B & L, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to B & L?
What happened at B & L in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 7,198 (▼ € 14,774 vs 2024). Source: NBB ↗
- New establishment in Pecq. KBO
- Start of the company according to the CBE. KBO
In short
From € 3,948 loss in 2022 to € 7,198 loss in 2025.
Paid € 11,524 in corporate taxes since 2022.
Best year ever: 2023, with € 106,966 profit.
Paid out € 4,800 in dividends to the owners in total.
Management
Behind B & L is Bernadette Jonckheere.
Directors
According to the 2025 annual accounts
Bernadette Jonckheere
Director
Establishments
Establishment units
Physical locations of this company
Rue du Château d'Eau(SL) 2
7730 Estaimpuis
Rue des Tilleuls(WAR) 37 B
7740 Pecq
Active since 21 January 2003
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0455.597.518
- VAT number
- BE 0455.597.518
- Registered office
- Rue du Château d'Eau(SL) 2, 7730 Estaimpuis
- Names & denominations
- B & L
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 June 1995
- Peppol
- Active · Active since 5 Jan 2026
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