Brecht Lokere
ActiveBrecht Lokere has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €101k. Equity is shrinking by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 6% of 12617 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency9=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.86 against 0.77 in 2024), and 98.3% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
1.7%
Return on assets
55.6%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 12617 sector peers (2025).
NBB · sector comparisonPosition among 12617 sector peers
Solvency
better than 6%
← 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 08-04-2026, 114 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
114 d early
2024
28 d late
2023
114 d early
2022
84 d early
2021
96 d early
2020
131 d early
2019
27 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k=
2024 · €3k
2019: €8k
2020: €52k
2021: €129k
2022: €3k
2023: €3k
2024: €3k
2019 → 2025
Total assets
€181k▲ 172%
2024 · €67k
2019: €24k
2020: €92k
2021: €178k
2022: €232k
2023: €120k
2024: €67k
2019 → 2025
Net result
€101k▲ 31.4%
2024 · €77k
2019: €5k
2020: €44k
2021: €77k
2022: €68k
2023: €83k
2024: €77k
2019 → 2025
Working capital
€-23k▼ 92.9%
2024 · €-12k
2019: €5k
2020: €47k
2021: €124k
2022: €-3k
2023: €-1k
2024: €-12k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€3k▼ 97.7%€3k=€3k=€3k=
Operating result€97k-€90k▼ 7.5%€104k▲ 14.9%€98k▼ 5.1%€132k▲ 34.6%
Net result€77k-€68k▼ 11.3%€83k▲ 22.4%€77k▼ 7.6%€101k▲ 31.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 35% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €181k
Fixed assets
€32k▲ 25.1%
Current assets
€149k▲ 263%
Equity and liabilities €181k
Equity
€3k=
Debt
€178k▲ 180%
The debt ratio rises from 95.5% to 98.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€140k▲
2024 · €104k
Cash flow
€109k▲
2024 · €83k
Solvency
1.7%▼
2024 · 4.5%
Current ratio
0.86▲
2024 · 0.77
Quick ratio
0.86▲
2024 · 0.77
Debt / equity
59.49▲
2024 · 21.27
ROA
55.6%▼
2024 · 114.8%
Interest coverage
134.78▲
2024 · 115.31
Debt
€178k▲
2024 · €64k
Debt ≤ 1 year
€173k▲
2024 · €53k
Debt > 1 year
€6k▼
2024 · €11k
Income taxes
€30k▲
2024 · €21k
A ratio outside any meaningful range has been withheld (balance sheet total €181k, equity €3k).
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€67k€181k▲
Fixed assets21/28€26k€32k▲
Tangible fixed assets22/27€26k€32k▲
Plant, machinery and equipment23€521€391▼
Furniture and vehicles24€19k€15k▼
Other tangible fixed assets26€6k€16k▲
Current assets29/58€41k€149k▲
Amounts receivable within one year40/41€19k€87k▲
Trade receivables40€4k€86k▲
Other amounts receivable41€15k€1k▼
Cash at bank and in hand54/58€21k€62k▲
Deferred charges and accrued income490/1€1k€221▼
Equity and liabilities
Total equity and liabilities10/49€67k€181k▲
Equity10/15€3k€3k=
Contributions10/11€3k€3k=
Amounts payable17/49€64k€178k▲
Amounts payable after more than one year17€11k€6k▼
Financial debts170/4€11k€6k▼
Amounts payable within one year42/48€53k€173k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€43k€59k▲
Taxes450/3€23k€37k▲
Remuneration and social security454/9€20k€22k▲
Other amounts payable47/48-€100k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€578€587▲
Gross operating margin9900€105k€141k▲
Operating profit (loss)9901€98k€132k▲
Financial income75/76B€152€40▼
Recurring financial income75€152€40▼
Financial charges65/66B€906€1k▲
Recurring financial charges65€906€1k▲
Profit (loss) for the period before taxes9903€98k€131k▲
Income taxes67/77€21k€30k▲
Profit (loss) for the period9904€77k€101k▲
Profit (loss) for the period to be appropriated9905€77k€101k▲
Appropriation of the result
Profit (loss) to be appropriated9906€77k€101k▲
Profit to be distributed694/7€77k€101k▲
Return on contributions (dividend)694€77k€101k▲
The notes to these accounts (6 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €101k ▲31.4%
Operating result €132k, net result €101k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
08-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €129k ▲147%
3 profitable years in a row build equity to €129k.
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
02-08
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
02-08
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bertem · 1 establishment unit since 2019
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.
Kruisstraat 183061 BertemGround area
1,460 m²
Building footprint
263 m²
Parcel 24061A0356/00M000, Flanders. Linked by address, not a title deed.
1 establishment unit
Brecht Lokere
since 20192.292.170.970
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24061A0356/00M000 | Flanders | 1,460 m² | 1 · 263 m² | - |
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.
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Of 940 companies in sector 69203 we hold annual accounts for 658. 97 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2019
Fiscal year end31-12
Activities, NACEBEL
69203Activities of company auditors
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.