What does L&O Finance do?

L&O Finance is filed with the CBE under the catch-all “Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen”, a code that says little about what the company actually does. Private Limited, started on 22 April 2015, 3 establishments.

What is the address of L&O Finance?

The registered office of L&O Finance is located at de Merodelei 192, 2300 Turnhout.

Is L&O Finance still active?

Yes. According to the CBE (30 October 2026) L&O Finance is active, legal situation “Normale toestand”, started on 22 April 2015.

Is L&O Finance registered on Peppol?

Yes, L&O Finance is registered on the Peppol network with ID 0208:0628788840.

What is the enterprise number of L&O Finance?

The enterprise number of L&O Finance is BE0628788840.

When was L&O Finance founded?

L&O Finance was founded on 22 April 2015.

Who are the directors of L&O Finance?

According to the 2025 annual accounts, the directors of L&O Finance are: Anna-Laura Peeters.

Is L&O Finance a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 22 April 2015; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account; 3 establishments in the CBE.

How much profit did L&O Finance make in 2025?

L&O Finance posted a profit after taxes of € 74,087 in financial year 2025.

What is the revenue of L&O Finance?

As a small company, L&O Finance is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 433,335.

How much does an employee at L&O Finance earn?

The average wage cost per full-time employee at L&O Finance was € 67,100 in 2025: staff costs of € 228,004 for 3.4 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does L&O Finance have?

According to the 2025 annual accounts, L&O Finance has 3.4 full-time equivalents (FTE).

L&O Finance (Private Limited) - Turnhout - BE0628788840

Dossier L&O Finance, printed on 30 October 2026 from databakkes.be/en/0628788840/l-o-finance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Tight liquidity NBB

Cash and receivables cover 50 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

L&O Finance from Turnhout, company number BE0628788840, closed financial year 2025 with a result of € 74,087 after tax. For that financial year L&O Finance recorded a gross margin of € 433,335 and equity of € 36,911. Compared with financial year 2024, the result moved from € -17,264 to € 74,087. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2026.

What it is worth Growing

€ 36,911

▲ € 74,087 vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 74,087

▲ still € 17,264 loss in 2024

Profit after tax over the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 16,911.

People and assets in 2025

Full-time equivalents

3.4

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 228,004

▲ 34% vs 2024

€ 67,100 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 10,753

▼ 43% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 13 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 502,808

▼ 8% vs 2024

€ 38,770 is repaid this year. At this pace the long-term loan is gone in ≈ 13 years.

Owed to suppliers

€ 54,925

▼ 19% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 63,245

▲ 16% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Revenue	€ 469,701 Revenue 2022: € 469,701 First fiscal year in the series	-	-	-
Gross margin	€ 190,007 Gross margin 2022: € 190,007 First fiscal year in the series	€ 213,103 Gross margin 2023: € 213,103 ▲ 12% vs 2022 (€ 190,007) Favourable step	€ 195,972 Gross margin 2024: € 195,972 ▼ 8% vs 2023 (€ 213,103) Unfavourable step	€ 433,335 Gross margin 2025: € 433,335 ▲ 121% vs 2024 (€ 195,972) Favourable step	▲ 121%
Profit after taxes	€ 3,588 Profit after taxes 2022: € 3,588 First fiscal year in the series	€ -28,167 Profit after taxes 2023: € -28,167 ▼ € 31,756 vs 2022 (€ 3,588) Unfavourable step	€ -17,264 Profit after taxes 2024: € -17,264 ▲ € 10,904 vs 2023 (€ -28,167) Favourable step	€ 74,087 Profit after taxes 2025: € 74,087 ▲ € 91,351 vs 2024 (€ -17,264) Favourable step	▲ € 91,351
Equity	€ 8,255 Equity 2022: € 8,255 First fiscal year in the series	€ -19,912 Equity 2023: € -19,912 ▼ € 28,167 vs 2022 (€ 8,255) Unfavourable step	€ -37,176 Equity 2024: € -37,176 ▼ € 17,264 vs 2023 (€ -19,912) Unfavourable step	€ 36,911 Equity 2025: € 36,911 ▲ € 74,087 vs 2024 (€ -37,176) Favourable step	▲ € 74,087
Total debts	€ 625,074 Total debts 2022: € 625,074 First fiscal year in the series	€ 720,500 Total debts 2023: € 720,500 ▲ 15% vs 2022 (€ 625,074) Unfavourable step	€ 730,961 Total debts 2024: € 730,961 ▲ 1% vs 2023 (€ 720,500) Unfavourable step	€ 631,966 Total debts 2025: € 631,966 ▼ 14% vs 2024 (€ 730,961) Favourable step	▼ 14%
Cash	€ 155 Cash 2022: € 155 First fiscal year in the series	-	-	-
Land & buildings	€ 567,742 Land & buildings 2022: € 567,742 First fiscal year in the series	€ 572,045 Land & buildings 2023: € 572,045 ▲ 1% vs 2022 (€ 567,742) Unchanged	€ 605,365 Land & buildings 2024: € 605,365 ▲ 6% vs 2023 (€ 572,045) Unchanged	€ 574,421 Land & buildings 2025: € 574,421 ▼ 5% vs 2024 (€ 605,365) Unchanged	▼ 5%
Retained profit	€ -11,745 Retained profit 2022: € -11,745 First fiscal year in the series	€ -39,912 Retained profit 2023: € -39,912 ▼ € 28,167 vs 2022 (€ -11,745) Unfavourable step	€ -57,176 Retained profit 2024: € -57,176 ▼ € 17,264 vs 2023 (€ -39,912) Unfavourable step	€ 16,911 Retained profit 2025: € 16,911 ▲ € 74,087 vs 2024 (€ -57,176) Favourable step	▲ € 74,087
Bank debt	€ 492,141 Bank debt 2022: € 492,141 First fiscal year in the series	€ 595,556 Bank debt 2023: € 595,556 ▲ 21% vs 2022 (€ 492,141) Unfavourable step	€ 545,476 Bank debt 2024: € 545,476 ▼ 8% vs 2023 (€ 595,556) Favourable step	€ 502,808 Bank debt 2025: € 502,808 ▼ 8% vs 2024 (€ 545,476) Favourable step	▼ 8%
Balance sheet total	€ 633,329 Balance sheet total 2022: € 633,329 First fiscal year in the series	€ 700,588 Balance sheet total 2023: € 700,588 ▲ 11% vs 2022 (€ 633,329) Unchanged	€ 693,785 Balance sheet total 2024: € 693,785 ▼ 1% vs 2023 (€ 700,588) Unchanged	€ 693,877 Balance sheet total 2025: € 693,877 Unchanged (€ 693,785) Unchanged
Employees (FTE)	3.6 Employees (FTE) 2022: 3.6 First fiscal year in the series	4 Employees (FTE) 2023: 4 ▲ 0.4 vs 2022 (3.6) Unchanged	3.4 Employees (FTE) 2024: 3.4 ▼ 0.6 vs 2023 (4) Unchanged	3.4 Employees (FTE) 2025: 3.4 Unchanged (3.4) Unchanged

Key figures of L&O Finance, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to L&O Finance?

What happened at L&O Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Sep 30, 2026 New annual accounts for financial year 2025: profit of € 74,087. filed late Source: NBB ↗
Dec 12, 2023 New establishment in Schoten. KBO
Dec 1, 2021 New establishment in Wuustwezel. KBO
Jan 1, 2016 New establishment in Turnhout. KBO
Apr 22, 2015 Start of the company according to the CBE. KBO

In short

From € 3,588 profit in 2022 to € 74,087 profit in 2025.

Paid € 18,897 in corporate taxes since 2022.

Best year ever: 2025, with € 74,087 profit.

On average € 127,500 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

MLCR

The stake of MLCR comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

L&O Finance

Behind L&O Finance is Anna-Laura Peeters. The shares are held by MLCR.

Directors

According to the 2025 annual accounts

Anna-Laura Peeters

Director

Also active at: MLCR, Isjaki, TOENDRA

Shareholders

MLCR

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

de Merodelei 192

2300 Turnhout

2.325.136.916

Bredabaan (Centrum) 433 box 2

2990 Wuustwezel

Active since 1 December 2021

2.354.232.461

Paalstraat 148

2900 Schoten

Active since 12 December 2023

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0628.788.840
VAT number: BE 0628.788.840
Registered office: de Merodelei 192, 2300 Turnhout
Names & denominations: L&O Finance
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 22 April 2015
Peppol: Active · Active since 25 Nov 2025
Activities · NACE: Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen

View on CBE Public ↗ Annual accounts (NBB) ↗