Overdue debts
€1.2m on 31-12-2024
The annual accounts state €211,774 of overdue tax debts and €966,499 of overdue social security (RSZ) debts on 31-12-2024.
LOVENBOS
Lifetime
19 annual accounts with figures on one time axis, 33 filings since 1992peak €268,499 (2008)
-not published
lowest -€150,194 (2021)
€127,753▲ 44.8%
peak €94,148 (2014)
-€2.8m▲ €127,753
€4.6m▼ 4.6%
peak 59.8 FTE (2024)
59.8 FTE▲ 5.8%
Board10 names since 2018
4 directors3RM and 3 others
Owners4 names in the annual accounts
100%HOMYAS and 1 other
Documentsfilings and deeds
29-08-202529 days late
2024financial year
Result from €88,233 to €127,753Cash from €104,838 to €50,799
Key points
from the 2024 annual accountsEquity
-€2.8m
Debts exceed assets in financial year 2024.
Debts
€4.6m 255% of the balance sheet
Financial debts 57%Suppliers 9%Taxes and wages 28%Other 6%
€50,748 of the debts are secured on the company's own assets. In 2021 that was €488,106.
Staff
86 employees on 31-12-2024
In 2024, 48 people joined and 40 left.
Filings
33 annual accounts 102 days past the deadline
2025 accounts not filed: deadline was 31-07-2026.
Board
1 joined · 1 left
Board changed. Latest change 30-06-2026 · 1 in office.
Checked score
54
Fair
Financially stronger than 27% of medium-sized companies in residential care (NACE 87)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 536 companies (NACE 87, medium-sized).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.5%▼ -0.1 percentage points vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025lowest value
06-2025: 0.6%▲ +0.1 percentage points vs 05-2025
07-2025: 0.7%▲ +0.1 percentage points vs 06-2025
08-2025: 0.9%▲ +0.2 percentage points vs 07-2025
09-2025: 1.0%▲ +0.1 percentage points vs 08-2025
10-2025: 0.6%▼ -0.4 percentage points vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 0.8%▲ +0.2 percentage points vs 07-2026
09-2026: 0.9%▲ +0.1 percentage points vs 08-2026
10-2026: 1.0%▲ +0.1 percentage points vs 09-2026highest value
11-2026: 1.0%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€2.8m
Liquidity: current ratio 0.76, cash €50,799, halved
Figures for financial year 2024 (filed on 02-09-2025)
lowers risk
Sector: Residential care activities (NACE 87)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 87, medium-sized). It does better than 4% of them on solvency, 3% on liquidity, 30% on profitability and 69% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,136 companies had the same profile as LOVENBOS has now. Each dot stands for 11 companies, two years later.
91.5%
were still trading
5.2%
stopped another way
2.6%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of LOVENBOS itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,136 companies, not a prediction for LOVENBOS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.76 (0.57 in 2023), below 1. Short-term debt is 109% and cash 2.8% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 690 sector peers (2024).
NBB · sector comparisonPosition among 690 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
raises risk · 2024 accounts filed 29 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
29 days late
2023
51 days late
2022
32 days early
2021
4 days early
2020
31 days early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 2 days after the deadline. In the sector (NACE 87), the median for financial year 2024 was 27 days before the deadline, and 25% of those companies filed late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0447580962
1 director appointed, 1 resignation
Resignation: Anton Peperstraete · Appointment: ZAMR Holding · Permanent representative: Lieven Baeten · General meeting of 07-04-2026 · Gazette deed
1 director appointed, 2 resignations
Resignations: 3RM and Luc Kluppels · Permanent representative: Roderick Peters · Appointment: Anton Peperstraete · General meeting of 01-07-2025 · Gazette deed
Resignation: Morander BV (director)
General meeting of 09-05-2025 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LOVENBOS Lievegem | €5.3m | 5.1% | -155.3% | 59.8 |
| Belle Rive Tournai | €6.4m | 1.7% | 13.6% | 72.7 |
| LES RESIDENCES DE L'EDEN Forest | €6.1m | -0.9% | -268.3% | 65.5 |
| L'ORCHIDEE Ittre | €4.5m | 3.5% | 13.1% | 66.5 |
| RESIDENCE DU PARC Nivelles | €5.0m | 4.4% | 53.4% | 55.6 |
| FLORICOTS Huy | €6.3m | -4.3% | 43.1% | 72.1 |
| RESIDENCE LES RECOLLETS Binche | €4.6m | -2.8% | 59.9% | 58.2 |
Grey: the largest companies of the sector (residential care (NACE 87)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as LOVENBOS: residential care activities (NACE 87301). They are comparable in size and age: total assets between €1.5m and €3.3m, founded between 1989 and 1996.
Official details
Source: KBO- Status
- Active since 04-06-1992Normal situation
- Activity
- Residential care activitiesNACE 87301
- Joint committee
- 330.01Health institutions and services · annual accounts 2024
- Establishment unit
- 2.058.990.4929920 Lievegem, since 25-09-1992
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Insights on LOVENBOS
LOVENBOS has existed since 1992. The gross margin fell from €177,286 in 2017 to €18,767 in 2018.
HOMYAS holds all the shares. In 2025, three directors stepped down.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LOVENBOS
- What is the company number of LOVENBOS?
- The company number of LOVENBOS is 0447.580.962. The VAT number is the same number with BE in front: BE 0447.580.962.
- Where is LOVENBOS based?
- The registered office is at Grote Baan 190, 9920 Lievegem.Company details
- What does LOVENBOS do?
- According to the KBO register, the main activity is residential care activities (NACE 87301).
- What is the legal form of LOVENBOS?
- LOVENBOS is a private limited company (BV).
- When was LOVENBOS founded?
- LOVENBOS was founded on 04-06-1992.
- Is LOVENBOS still active?
- Yes, LOVENBOS is an active enterprise in the KBO register.
- How many employees does LOVENBOS have?
- LOVENBOS had an average of 59.8 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- Which joint committee does LOVENBOS fall under?
- In its 2024 annual accounts, LOVENBOS states joint committee 330.01 (Health institutions and services).
- What is the turnover of LOVENBOS?
- The turnover of LOVENBOS was €5.3m in financial year 2024, according to the filed annual accounts.
- Is LOVENBOS profitable?
- In financial year 2024, LOVENBOS made a profit of €127,753.
- Where can I find the annual accounts of LOVENBOS?
- LOVENBOS filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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