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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 4 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
A & L ADVISORY from Kraainem, company number BE0644532732, closed financial year 2025 with a result of € -114,985 after tax. For that financial year A & L ADVISORY recorded a gross margin of € 112,453 and equity of € 461,582. Compared with financial year 2024, the result moved from € -123,525 to € -114,985. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 21, 2026.
€ 461,582
▼ 20% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -114,985
▲ 7 % less loss than in 2024
Profit after tax over the fiscal year.
€ 5,942
▲ 206% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 142,982.
People and assets in 2025
1
Average over the fiscal year, from the social balance sheet.
€ 38,155
▲ 8% vs 2024
€ 38,200 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.
€ 55,083
▼ 32% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.5 million
▼ 2% vs 2024
€ 13,585 is repaid this year. At this pace the long-term loan is gone in ≈ 112 years.
€ 28,781
▲ 4% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,002
▲ 229% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 218,303 | € 165,566 | € 80,814 | € 112,453 | ▲ 39% |
| Profit after taxes | € 100,836 | € 19,772 | € -123,525 | € -114,985 | ▲ € 8,540 |
| Equity | € 680,321 | € 700,092 | € 576,568 | € 461,582 | ▼ 20% |
| Total debts | € 2,742,531 | € 3,100,534 | € 3,539,811 | € 3,595,218 | ▲ 2% |
| Cash | € 3,790 | € 35,829 | € 1,941 | € 5,942 | ▲ 206% |
| Land & buildings | - | € 3,637,856 | € 3,599,726 | € 3,545,305 | ▼ 2% |
| Retained profit | € 361,721 | € 381,492 | € 257,968 | € 142,982 | ▼ 45% |
| Bank debt | € 1,506,667 | € 1,536,667 | € 1,551,895 | € 1,518,231 | ▼ 2% |
| Balance sheet total | € 3,422,852 | € 3,800,626 | € 4,116,378 | € 4,056,801 | ▼ 1% |
| Employees (FTE) | 1 | 1 | - | 1 |
Key figures of A & L ADVISORY, 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 A & L ADVISORY?
What happened at A & L ADVISORY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 114,985. filed late Source: NBB ↗
- Marie-Noel SWENDEN became a director. NBB
- Grégory NOYEN became a director. NBB
- New establishment in Kraainem. KBO
- Start of the company according to the CBE. KBO
In short
From € 100,836 profit in 2022 to € 114,985 loss in 2025.
Paid € 28,244 in corporate taxes since 2022.
Best year ever: 2022, with € 100,836 profit.
On average € 112,500 of value added per employee in 2025.
Management
The stake of A & L PARTICIPATIONS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
A & L ADVISORYBehind A & L ADVISORY are Marie-Noel SWENDEN and Grégory NOYEN. The shares are held by A & L PARTICIPATIONS (99.9%). It owns 1% of Leoville Holding itself.
Directors
According to the 2025 annual accounts
Marie-Noel SWENDEN
Director
Also active at: Meatrade, F2 INVEST, DEVOLDER, SWENDEN, SWENDEN INDUSTRIE, LMNE, JOSE IMMO, West-Vlaamse Beleggingen +4 more
since 2022
since 2022
Shareholders
99.9%
Participations
Establishments
Establishment units
Physical locations of this company
Jagerslaan 42
1950 Kraainem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0644.532.732
- VAT number
- BE 0644.532.732
- Registered office
- Jagerslaan 42, 1950 Kraainem
- Names & denominations
- A & L ADVISORY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 December 2015
- Peppol
- Active · Active since 19 Sept 2025
- Activities · NACE
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