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 3 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Stal J&L from Houffalize, company number BE0764619029, closed financial year 2025 with a result of € 27,545 after tax. For that financial year Stal J&L recorded a gross margin of € 67,706 and equity of € 35,079. Compared with financial year 2024, the result moved from € 23,851 to € 27,545. 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 August 17, 2026.
€ 35,079
▲ 281% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 27,545
▲ 15% vs 2024
Profit after tax over the fiscal year.
€ 12,558
Cash and bank balances on the last day of the fiscal year.
€ 1,666 paid out
6 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 26,316
▲ 247% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 173,596
▲ 217% vs 2024
€ 22,998 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 33,913
▼ 7% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,400
▲ 222% 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 | € -5,510 | € 33,520 | € 53,404 | € 67,706 | ▲ 27% |
| Profit after taxes | € -22,028 | € 4,456 | € 23,851 | € 27,545 | ▲ 15% |
| Equity | € -17,441 | € -12,984 | € 9,200 | € 35,079 | ▲ 281% |
| Total debts | € 411,621 | € 420,694 | € 428,151 | € 513,909 | ▲ 20% |
| Cash | € 3,101 | € 2,122 | € 12,602 | € 12,558 | |
| Land & buildings | € 222,158 | € 231,939 | € 234,385 | € 359,932 | ▲ 54% |
| Retained profit | € -20,441 | € -15,984 | € 6,200 | € 32,079 | ▲ € 25,879 |
| Dividend | € 0 | € 0 | € 1,666 | € 1,666 | |
| Bank debt | € 48,000 | € 64,939 | € 54,832 | € 173,596 | ▲ 217% |
| Balance sheet total | € 394,180 | € 407,710 | € 437,351 | € 548,988 | ▲ 26% |
Key figures of Stal J&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 31 July 2027.
What happened to Stal J&L?
What happened at Stal J&L in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 27,545 (▲ 15% vs 2024). filed late Source: NBB ↗
- Lobke D'Hondt became a director. NBB
- New establishment in Houffalize. KBO
- Start of the company according to the CBE. KBO
In short
From € 22,028 loss in 2022 to € 27,545 profit in 2025.
Best year ever: 2025, with € 27,545 profit.
Paid out € 3,332 in dividends to the owners in total.
Management
Behind Stal J&L is Lobke D'Hondt.
Directors
According to the 2025 annual accounts
Lobke D'Hondt
Director
since 2021
Establishments
Establishment units
Physical locations of this company
Dinez 35 box Y
6661 Houffalize
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0764.619.029
- VAT number
- BE 0764.619.029
- Registered office
- Dinez 35 bus Y, 6661 Houffalize
- Names & denominations
- Stal J&L
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 4 March 2021
- Peppol
- Active · Active since 13 Jun 2025
- Activities · NACE
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