F. LOUF
ActiveF. LOUF 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 €282k and a net result of €7k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 83% of 7971 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-01-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
39 d early
2023
43 d early
2022
43 d early
2021
42 d early
2020
41 d early
2019
39 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€282k▲ 2.4%
2024 · €275k
2019: €202k
2020: €210k
2021: €218k
2022: €224k
2023: €261k
2024: €275k
2019 → 2025
Net result
€7k▼ 51.9%
2024 · €14k
2019: €27k
2020: €8k
2021: €8k
2022: €6k
2023: €37k
2024: €14k
2019 → 2025
Total assets
€328k▼ 1.9%
2024 · €335k
2019: €331k
2020: €302k
2021: €284k
2022: €256k
2023: €313k
2024: €335k
2019 → 2025
Solvency
85.8%▲ 3.6pp
2024 · 82.2%
2019: 61.0%
2020: 69.6%
2021: 76.8%
2022: 87.4%
2023: 83.6%
2024: 82.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€218k-€224k▲ 2.9%€261k▲ 16.7%€275k▲ 5.2%€282k▲ 2.4%
Operating result€13k-€8k▼ 38.1%€53k▲ 554%€22k▼ 58.2%€10k▼ 56.4%
Net result€8k-€6k▼ 20.0%€37k▲ 500%€14k▼ 63.6%€7k▼ 51.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €328k
Fixed assets
€159k▼ 6.2%
Current assets
€169k▲ 2.5%
Equity and liabilities €328k
Equity
€282k▲ 2.4%
Debt
€46k▼ 21.9%
The debt ratio falls from 17.8% to 14.2%: equity grows while debt is paid down.
Key figures and ratios
Solvency
85.8%▲
2024 · 82.2%
ROE
2.3%▼
2024 · 5.0%
ROA
2.0%▼
2024 · 4.1%
Debt
€46k▼
2024 · €59k
Debt ≤ 1 year
€45k▼
2024 · €56k
Income taxes
€3k▼
2024 · €6k
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€335k€328k▼
Fixed assets21/28€169k€159k▼
Tangible fixed assets22/27€169k€159k▼
Land and buildings22€168k€158k▼
Plant, machinery and equipment23€1k€663▼
Furniture and vehicles24€53€0▼
Financial fixed assets28€250€250=
Current assets29/58€165k€169k▲
Amounts receivable within one year40/41€11k€2k▼
Trade receivables40€11k€0▼
Other amounts receivable41€751€2k▲
Current investments50/53€70k€70k=
Cash at bank and in hand54/58€83k€95k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€335k€328k▼
Equity10/15€275k€282k▲
Contributions10/11€14k€14k=
Reserves13€261k€267k▲
Distributable reserves133€261k€267k▲
Amounts payable17/49€59k€46k▼
Amounts payable within one year42/48€56k€45k▼
Trade debts44€64€0▼
Suppliers440/4€64€0▼
Taxes, remuneration and social security45€8k€2k▼
Taxes450/3€8k€2k▼
Other amounts payable47/48€49k€43k▼
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€3k€716▼
Gross operating margin9900€35k€21k▼
Operating profit (loss)9901€22k€10k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€20k€9k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€14k€7k▼
Profit (loss) for the period to be appropriated9905€14k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€7k▼
Transfer to equity691/2€14k€7k▼
To other reserves6921€14k€7k▼
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
19-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2019net €37k ▲500%
Operating result €53k, net result €37k, both a record.
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €6k ▼20%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
19-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wijnegem · 1 establishment unit since 1999
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.
Rode Dreef 102110 WijnegemGround area
1,334 m²
Building footprint
179 m²
Volume, LiDAR
845 m³
Parcel 11050B0292/00N005, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rode Dreef 10, 2110 Wijnegem
since 19992.090.793.923
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11050B0292/00N005 | Flanders | 1,334 m² | 1 · 179 m² | 9.2 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.
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,687 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-1999
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.