2Lo · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

2Lo is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3k and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 1211 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 1211 sector peers (2025).

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-05-2026, 64 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	28-05-2026	64 d early	2026-00123651
31-12-2024	31-07-2025	03-04-2025	119 d early	2025-00062435
31-12-2023	31-07-2024	17-06-2024	44 d early	2024-00132888
31-12-2022	31-07-2023	20-07-2023	11 d early	2023-00252600

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€3k-95.8%

Net result€6k+1110.6%

Total assets€89k-3.3%

Solvency3.4%-74.2pp

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 28-05-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	3.4%	47.4%	better than 12% of 1211 sector peers
Net result	€6k	€43k	better than 18% of 1210 sector peers
Equity	€3k	€85k	better than 10% of 1211 sector peers
Gross operating margin	€11k	€70k	better than 13% of 1207 sector peers
Total assets	€89k	€211k	better than 22% of 1211 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P12

Weakening position over 2022-2025 · n=1211-3139

Net result P18

Weakening position over 2022-2025 · n=1210-3135

Equity P10

Weakening position over 2022-2025 · n=1211-3140

Gross operating margin P13

Weakening position over 2022-2025 · n=1207-3132

Describes the position versus peers, not a forecast.

Net profit

€6k

+1110.6% 22-25

Total assets

€89k

-3.3% 22-25

Equity

€3k

-95.8% 22-25

Income taxes

€2k

+35.7% 22-25

Dividends

€74k

- 22-25

Debt

€86k

+316.9% 22-25

Debt ≤ 1y

€86k

+316.9% 22-25

Solvency

3.4%

-95.6% 22-25

ROE

202.0%

+28620.8% 22-25

ROA

6.8%

+1152.1% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	n/a
EBITDA	n/a
Net profit	€6k
Cash flow	n/a
Staff costs	-
Income taxes	€2k
Dividends	€74k
Total assets	€89k
Equity	€3k
Debt	€86k
of which ≤ 1y	€86k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	3.4%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	6.8%
ROE	202.0%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €3k · 3.0% Current assets €86k · 97.0%

Equity & liabilities

Equity €3k · 3.4% Debt €86k · 96.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€89k
Fixed assets	21/28	€3k
Tangible fixed assets	22/27	€2k
Financial fixed assets	28	€275
Current assets	29/58	€86k
Amounts receivable within one year	40/41	€8k
Investments	50/53	€50k
Cash & bank	54/58	€28k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€89k
Equity	10/15	€3k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€86k
Amounts payable within one year	42/48	€86k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€11k
Operating result	9901	€7k
Financial income	75	€1k
Financial charges	65	€40
Result before taxes	9903	€8k
Income taxes	67/77	€2k
Net result for the period	9904	€6k
Result to be appropriated	9905	€6k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Connections & network

1 connected company

Group structure

o2o

We sit on their board · 1 location

→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control

1 party

2LoBE 0785.654.072

controls

Where this company holds controlthis company sits on their board1

o2o

1 location

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Locations & real estate

Registered office

from the Crossroads Bank

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.

Schildersstraat 209040 Gent

Establishment units

1 location

2Lo

Schuurstraat 102, 9040 GentManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.

since 20222.331.647.495

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area6,407 m²

Buildings2

Building footprint398 m²

Volume (LiDAR)473 m³

Tallest building11.8 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44432C0129/00C004	Flanders	6,326 m²	1 · 336 m²	-
44432C1185/00D003	Flanders	81 m²	1 · 62 m²	11.8 m · 3 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

60 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 14

Growth 32

Stability 94

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works