L&P Construct
ActiveSummary
L&P Construct has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €159k and a net result of €4k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 15% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-33
Solvency30▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 5.89 against 3.62 in 2024; short-term debt: 15.6% and cash: 2.7% of total assets), but 94.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
5.2%
Return on assets
0.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7453 sector peers (2025).
NBB · sector comparisonPosition among 7453 sector peers
Solvency
better than 15%
← 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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
44 d early
2023
14 d early
2022
32 d late
2021
61 d late
2020
30 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€159k▲ 2.7%
2024 · €155k
2018: €38k
2019: €38k
2020: €88k
2021: €90k
2022: €81k
2023: €96k
2024: €155k
2018 → 2025
Total assets
€3.04M▲ 30.2%
2024 · €2.33M
2018: €515k
2019: €1.41M
2020: €1.09M
2021: €1.18M
2022: €1.49M
2023: €1.51M
2024: €2.33M
2018 → 2025
Net result
€4k▼ 93.0%
2024 · €59k
2018: €1k
2019: €157
2020: €50k
2021: €1k
2022: €8k
2023: €14k
2024: €59k
2018 → 2025
Working capital
€2.32M▲ 55.6%
2024 · €1.49M
2018: €217k
2019: €825k
2020: €436k
2021: €162k
2022: €363k
2023: €1.04M
2024: €1.49M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€81k▼ 9.3%€96k▲ 17.7%€155k▲ 62.1%€159k▲ 2.7%
Operating result€44k-€67k▲ 51.4%€55k▼ 17.4%€112k▲ 103%€-28k
Net result€1k-€8k▲ 504%€14k▲ 78.4%€59k▲ 313%€4k▼ 93.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €28k after €112k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.04M
Fixed assets
€241k ▼ 11.2%
Current assets
€2.80M ▲ 35.6%
Equity and liabilities €3.04M
Equity
€159k ▲ 2.7%
Debt
€2.88M ▲ 32.1%
Debt's share of the balance-sheet total rises from 93.4% to 94.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-4k▼
2024 · €142k
Cash flow
€28k▼
2024 · €89k
Current ratio
5.89▲
2024 · 3.62
Quick ratio
2.74▲
2024 · 2.12
Debt to equity
18.07▲
2024 · 14.04
ROE
2.6%▼
2024 · 38.3%
ROA
0.1%▼
2024 · 2.5%
Interest coverage
-0.05▼
2024 · 3.61
Debt ≤ 1 year
€475k▼
2024 · €570k
Debt > 1 year
€2.39M▲
2024 · €1.59M
Income taxes
€6k▼
2024 · €25k
Staff costs
€84k▼
2024 · €96k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.33M€3.04M▲
Fixed assets21/28€271k€241k▼
Tangible fixed assets22/27€256k€226k▼
Land and buildings22€219k€209k▼
Plant, machinery and equipment23€1k€646▼
Furniture and vehicles24€36k€16k▼
Financial fixed assets28€15k€15k=
Current assets29/58€2.06M€2.80M▲
Stocks and contracts in progress3€852k€1.49M▲
Stocks30/36€652k€1.49M▲
Contracts in progress37€200k-
Amounts receivable within one year40/41€1.07M€1.12M▲
Trade receivables40€33k€35k▲
Other amounts receivable41€1.04M€1.08M▲
Cash at bank and in hand54/58€15k€82k▲
Deferred charges and accrued income490/1€122k€103k▼
Equity and liabilities
Total equity and liabilities10/49€2.33M€3.04M▲
Equity10/15€155k€159k▲
Contributions10/11€20k€20k=
Reserves13€135k€139k▲
Distributable reserves133€135k€139k▲
Amounts payable17/49€2.18M€2.88M▲
Amounts payable after more than one year17€1.59M€2.39M▲
Financial debts170/4€1.22M€1.55M▲
Other amounts payable178/9€378k€843k▲
Amounts payable within one year42/48€570k€475k▼
Current portion of amounts payable after more than one year42€23k€20k▼
Financial debts43€250k€250k=
Credit institutions430/8€250k€250k=
Trade debts44€65k€117k▲
Suppliers440/4€65k€117k▲
Taxes, remuneration and social security45€45k€23k▼
Taxes450/3€31k€13k▼
Remuneration and social security454/9€14k€10k▼
Other amounts payable47/48€188k€65k▼
Accrued charges and deferred income492/3€14k€14k▼
Income statement
Code20242025
Remuneration, social security and pensions62€96k€84k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€24k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€241k€82k▼
Operating profit (loss)9901€112k€-28k▼
Financial income75/76B€11k€116k▲
Recurring financial income75€11k€116k▲
Financial charges65/66B€39k€78k▲
Recurring financial charges65€39k€78k▲
Profit (loss) for the period before taxes9903€84k€10k▼
Income taxes67/77€25k€6k▼
Profit (loss) for the period9904€59k€4k▼
Profit (loss) for the period to be appropriated9905€59k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€4k▼
Transfer to equity691/2€59k€4k▼
To other reserves6921€59k€4k▼
The notes to these accounts (10 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €59k ▲313%
Net result €59k, the highest in the series.
31-12
Financial
Equity above €150kEq €155k ▲62.1%
7 profitable years in a row build equity to €155k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 5current ratio 7.08
Current ratio from 1.43 to 7.08; short-term debt falls from €839k to €171k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €157 ▼88.1%
Net result drops to €157, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tessenderlo-Ham · 1 establishment unit since 2007
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Stationsstraat 733980 Tessenderlo-HamGround area
991 m²
Building footprint
343 m²
Volume, LiDAR
811 m³
Parcel 71362B0192/00C004, Flanders · tallest building 10.0 m. Linked by address, not a title deed.
1 establishment unit
MINT PROJECTS
since 20072.162.264.612
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71362B0192/00C004 | Flanders | 991 m² | 1 · 343 m² | 10.0 m |
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 225 EUR awarded · 225 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 225 EUR | 225 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
DAL Group
BE 0538.787.191
Nijlen · Eq €159,255
BETNAHRIN
BE 0806.032.287
Mechelen · Eq €159,248
GRISARD INDUSTRIES
BE 0674.675.184
Grez-Doiceau · Eq €159,166
BOUWWERKEN BELLENS
BE 0451.000.015
Hulshout · Eq €159,163
DRS DESIGN
BE 0733.743.137
Dilbeek · Eq €159,159
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,549 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-1999
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
68121Development of residential building projects
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.