AB LOC
ActiveAB LOC has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84k and a net result of €11k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 4839 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-13
Solvency61▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.3 in 2024; short-term debt: 45.9% and cash: 4.2% of total assets), but 64.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
35.9%
Return on assets
4.6%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
114 d early
2023
69 d early
2022
32 d early
2021
34 d early
2020
26 d late
2019
7 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€11k▼ 73.4%
2024 · €40k
2018: €-9k
2019: €3k
2020: €20k
2021: €16k
2022: €13k
2023: €22k
2024: €40k
2018 → 2025
Working capital
€70k▲ 52.3%
2024 · €46k
2018: €-159k
2019: €-154k
2020: €-148k
2021: €-134k
2022: €-150k
2023: €-589
2024: €46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-111k-€-98k▲ 11.7%€39k€75k▲ 94.0%€84k▲ 12.1%
Operating result€19k-€15k▼ 18.1%€34k▲ 119%€61k▲ 78.4%€19k▼ 68.5%
Net result€16k-€13k▼ 20.8%€22k▲ 71.8%€40k▲ 80.6%€11k▼ 73.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €234k
Fixed assets
€57k▼ 31.7%
Current assets
€177k▼ 9.9%
Equity and liabilities €234k
Equity
€84k▲ 12.1%
Debt
€150k▼ 26.8%
The debt ratio falls from 73.2% to 64.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▼
2024 · €92k
Cash flow
€37k▼
2024 · €72k
Solvency
35.9%▲
2024 · 26.8%
Current ratio
1.65▲
2024 · 1.30
Quick ratio
0.14▼
2024 · 0.20
Debt / equity
1.78▼
2024 · 2.73
ROE
12.7%▼
2024 · 53.6%
ROA
4.6%▼
2024 · 14.4%
Interest coverage
23.80▼
2024 · 49.93
Debt
€150k▼
2024 · €205k
Debt ≤ 1 year
€107k▼
2024 · €151k
Debt > 1 year
€42k▼
2024 · €54k
Income taxes
€7k▼
2024 · €19k
Staff costs
€115k▲
2024 · €99k
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€280k€234k▼
Fixed assets21/28€83k€57k▼
Tangible fixed assets22/27€83k€57k▼
Furniture and vehicles24€81k€55k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€197k€177k▼
Stocks and contracts in progress3€167k€162k▼
Stocks30/36€167k€162k▼
Amounts receivable within one year40/41€5k€3k▼
Trade receivables40€5k-
Other amounts receivable41-€3k
Cash at bank and in hand54/58€20k€10k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€280k€234k▼
Equity10/15€75k€84k▲
Contributions10/11€3k€3k=
Capital10-€3k
Issued capital100-€3k
Reserves13€72k€66k▼
Distributable reserves133€72k€66k▼
Profit (loss) carried forward14€3€15k▲
Amounts payable17/49€205k€150k▼
Amounts payable after more than one year17€54k€42k▼
Financial debts170/4€54k€42k▼
Amounts payable within one year42/48€151k€107k▼
Current portion of amounts payable after more than one year42€27k€23k▼
Trade debts44€68k€19k▼
Suppliers440/4€68k€19k▼
Taxes, remuneration and social security45€38k€31k▼
Taxes450/3€18k€16k▼
Remuneration and social security454/9€19k€15k▼
Other amounts payable47/48€18k€34k▲
Income statement
Code20242025
Non-recurring operating income76A€248€5k▲
Remuneration, social security and pensions62€99k€115k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€26k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€925€-2k▼
Other operating charges640/8€6k€4k▼
Non-recurring operating charges66A€934-
Gross operating margin9900€199k€162k▼
Operating profit (loss)9901€61k€19k▼
Financial income75/76B€568€486▼
Recurring financial income75€568€486▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€59k€18k▼
Income taxes67/77€19k€7k▼
Profit (loss) for the period9904€40k€11k▼
Profit (loss) for the period to be appropriated9905€40k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€11k▼
Profit (loss) brought forward from the previous period14P€1€3▲
Transfer from equity791/2-€17k
Transfer to equity691/2€36k€11k▼
To other reserves6921€36k€11k▼
Profit to be distributed694/7€4k€2k▼
Return on contributions (dividend)694€2k-
Directors or managers695€2k€2k▲
Social balance
Average headcount (FTE)90872.83.3▲
The notes to these accounts (8 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €40k ▲80.6%
Operating result €61k, net result €40k, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 45 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Koekelberg · 1 establishment unit since 1975
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.
Normandiëstraat 32-361081 KoekelbergGround area
809 m²
Building footprint
801 m²
Volume, LiDAR
8,322 m³
Parcel 21492B0117/00S004, Brussels · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Normandiëstraat 32 3, 1081 Koekelberg
since 19752.038.113.124
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0117/00S004 | Brussels | 809 m² | 1 · 801 m² | 15.3 m · 4 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.
Similar companies · same sector, comparable size
FRANK TACK CONSULTING
BE 0450.911.626
Dentergem · Eq €84k
EUROMOVE
BE 0435.681.537
Etterbeek · Eq €85k
AT&M
BE 0895.076.408
Schoten · Eq €83k
KITOS
BE 0433.076.294
Beringen · Eq €82k
MNF INDUSTRIAL SUPPLY
BE 0685.363.396
Eeklo · Eq €81k
Of 828 companies in sector 46620 we hold annual accounts for 642. 351 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-1974
Fiscal year end31-12
Activities, NACEBEL
46620Wholesale of machine tools
77221Rental and leasing activities
46831Wholesale of construction materials, general range
51532
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.