L'EXCEPTION
Open bankruptcyA bankruptcy procedure is open for L'EXCEPTION according to publications in the Belgian State Gazette. The 2025 annual accounts show negative equity (€-15k) and a net result of €8k.
Checked score
Score 2025
Axes · tick = 2024
Profitability20▼-80
Solvency37▲+4
Growth58▲+26
Stability0
Credit verdict
No credit on open account
Liquidity short (current ratio 0.65 against 0.5 in 2024), and equity is negative.
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 27172 sector peers (2025).
NBB · sector comparisonPosition among 27172 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
16 d early
2024
27 d late
2023
30 d late
2022
60 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€229k
EBIT margin
-0.9%
Net result
€8k
2024 · €-10k
2022: €-9k
2023: €-7k
2024: €-10k
2022 → 2025
Working capital
€-17k▲ 30.6%
2024 · €-24k
2022: €-6k
2023: €-11k
2024: €-24k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€229k
Equity€-6k-€-13k▼ 113%€-23k▼ 76.7%€-15k▲ 33.4%
Operating result€-9k-€-10k▼ 18.8%€-15k▼ 44.2%€-2k▲ 86.4%
Net result€-9k-€-7k▲ 24.8%€-10k▼ 44.6%€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €15k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€2k▲ 0.6%
Current assets
€32k▲ 30.1%
Key figures and ratios
Solvency
-45.0%▲
2024 · -86.5%
Current ratio
0.65▲
2024 · 0.50
Quick ratio
0.65▲
2024 · 0.50
Debt / equity
-3.22▼
2024 · -2.16
ROE
-50.1%▼
2024 · 43.4%
ROA
22.5%▲
2024 · -37.6%
Debt
€48k▼
2024 · €49k
Debt ≤ 1 year
€48k▼
2024 · €48k
Staff costs
€41k▲
2024 · €39k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€26k€33k▲
Fixed assets21/28€2k€2k▲
Financial fixed assets28€2k€2k▲
Current assets29/58€24k€32k▲
Amounts receivable within one year40/41€17k€348▼
Trade receivables40€4k€123▼
Other amounts receivable41€13k€225▼
Cash at bank and in hand54/58€6k€31k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€26k€33k▲
Equity10/15€-23k€-15k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-26k€-18k▲
Amounts payable17/49€49k€48k▼
Amounts payable within one year42/48€48k€48k▼
Trade debts44€18k€14k▼
Suppliers440/4€18k€14k▼
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€2k€1k▼
Remuneration and social security454/9€8k€12k▲
Other amounts payable47/48€20k€21k▲
Accrued charges and deferred income492/3€103-
Income statement
Code20242025
Turnover70-€229k
Goods, raw materials, services and sundry goods60/61-€210k
Remuneration, social security and pensions62€39k€41k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k-
Other operating charges640/8€5k€336▼
Gross operating margin9900€40k€40k▼
Operating profit (loss)9901€-15k€-2k▲
Financial income75/76B€7k€12k▲
Recurring financial income75€7k€12k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-10k€8k▲
Profit (loss) for the period9904€-10k€8k▲
Profit (loss) for the period to be appropriated9905€-10k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-18k▲
Profit (loss) brought forward from the previous period14P€-16k€-26k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-09
Bankruptcy
Opening
Tribunal de l’entreprise du Brabant wallon · L’EXCEPTION SRL RUE DES HOUILLES, NEERH. 18, 1357 HELECINE · event 03-09-2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after 3 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-04-2024
Resigned as Director
Not every act has been read: a resignation may be missing here
3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Hélécine · 1 establishment unit since 2022
Ground area
203 m²
Building footprint
53 m²
Volume, LiDAR
382 m³
Parcel 25069B0454/00N002, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Houilles, Neerh. 18, 1357 Hélécine
since 20222.333.905.320
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25069B0454/00N002 | Wallonia | 203 m² | 1 · 53 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | CHRISTOPHE BAUDOUX RUE DE CLAIRVAUX 40,
1348 LOUVAIN-LA-NEUVE |
03-09-2026 → present |
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 8,474 companies in sector 43410 we hold annual accounts for 4,305.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2022
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.