Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 11 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
L&Z ARTS from Nivelles, company number BE0690790844, closed financial year 2025 with a result of € -5,187 after tax. For that financial year L&Z ARTS recorded a gross margin of € 19,392 and equity of € 35,775. Compared with financial year 2024, the result moved from € -23,722 to € -5,187. 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 September 28, 2026.
€ 35,775
▼ 13% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -5,187
▲ 78 % less loss than in 2024
Profit after tax over the fiscal year.
€ 4,718
▼ 44% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 29,575.
People and assets in 2025
€ 702
▼ 50% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 169,574
▼ 7% vs 2024
€ 13,477 is repaid this year. At this pace the long-term loan is gone in ≈ 13 years.
€ 5,586
▼ 53% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,460
▼ 43% 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 | € 11,223 | € 35,926 | € 1,701 | € 19,392 | ▲ € 17,690 |
| Profit after taxes | € -5,495 | € 8,695 | € -23,722 | € -5,187 | ▲ € 18,535 |
| Equity | € 55,989 | € 64,684 | € 40,962 | € 35,775 | ▼ 13% |
| Total debts | € 119,573 | € 228,587 | € 221,385 | € 208,971 | ▼ 6% |
| Cash | € 20,294 | € 24,835 | € 8,361 | € 4,718 | ▼ 44% |
| Land & buildings | € 130,805 | € 245,194 | € 230,950 | € 216,747 | ▼ 6% |
| Retained profit | € 49,789 | € 58,484 | € 34,762 | € 29,575 | ▼ 15% |
| Bank debt | € 103,100 | € 195,246 | € 182,417 | € 169,574 | ▼ 7% |
| Balance sheet total | € 175,563 | € 293,272 | € 262,347 | € 244,745 | ▼ 7% |
Key figures of L&Z ARTS, 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&Z ARTS?
What happened at L&Z ARTS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 5,187. filed late Source: NBB ↗
- New establishment in Nivelles. KBO
- Start of the company according to the CBE. KBO
In short
From € 5,495 loss in 2022 to € 5,187 loss in 2025.
Paid € 6,855 in corporate taxes since 2022.
Best year ever: 2023, with € 8,695 profit.
Management
Behind L&Z ARTS are Etienne Zajega and Stephane Loiseau. Stephane Loiseau is also behind C.O. INVEST.
Directors
According to the 2025 annual accounts
Etienne Zajega
Director
Establishments
Establishment units
Physical locations of this company
Rue Saint-Georges 23
1400 Nivelles
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Google Workspace
Hosting
SQUARESPACE - Squarespace, Inc., US
DNS
OVH DNS
Domain
Domain
loiseau-zajega.be
Registered
2022-01-05
Website info
Features
Security
Network
Details
- Company number
- 0690.790.844
- VAT number
- BE 0690.790.844
- Registered office
- Rue Saint-Georges 23, 1400 Nivelles
- Names & denominations
- L&Z ARTS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 February 2018
- Peppol
- Active · Active since 6 Oct 2025
- Contact
- loiseau-zajega.be +32491874696
- Activities · NACE
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