LA LOUVE
ActiveSummary
LA LOUVE has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €12k. Equity is growing by ~50.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 435 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▼-6
Solvency54▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 0.94 in 2024; short-term debt: 46.4% and cash: 11.1% of total assets), and 71.3% of the assets are financed with debt.
Credit check 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 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
28.7%
Return on assets
5%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
2 d early
2023
on the day
2022
23 d late
2021
22 d late
2020
16 d late
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 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
€12k▼ 53.5%
2024 · €26k
2018: €-19klowest in 8 years
2019: €1k▲ +106% vs 2018
2020: €35k▲ +2812% vs 2019
2021: €36k▲ +4.1% vs 2020
2022: €64k▲ +76.5% vs 2021highest in 8 years
2023: €20k▼ -69.1% vs 2022
2024: €26k▲ +29.7% vs 2023
2025: €12k▼ -53.5% vs 2024
2018 → 2025
Working capital
€10k
2024 · €-7k
2018: €-139k
2019: €-151k▼ -8.9% vs 2018lowest in 8 years
2020: €-124k▲ +17.9% vs 2019
2021: €-104k▲ +15.8% vs 2020
2022: €-41k▲ +60.5% vs 2021
2023: €-26k▲ +37.5% vs 2022
2024: €-7k▲ +72.1% vs 2023
2025: €10k▲ +243% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-53k-€11k€31k▲ 175%€57k▲ 82.6%€69k▲ 21.0%
2021: €-53klowest in 5 years
2022: €11k▲ +121% vs 2021
2023: €31k▲ +175% vs 2022
2024: €57k▲ +82.6% vs 2023
2025: €69k▲ +21.0% vs 2024highest in 5 years
Operating result€43k-€68k▲ 59.4%€26k▼ 62.4%€39k▲ 51.8%€24k▼ 36.9%
2021: €43k
2022: €68k▲ +59.4% vs 2021highest in 5 years
2023: €26k▼ -62.4% vs 2022
2024: €39k▲ +51.8% vs 2023
2025: €24k▼ -36.9% vs 2024lowest in 5 years
Net result€36k-€64k▲ 76.5%€20k▼ 69.1%€26k▲ 29.7%€12k▼ 53.5%
2021: €36k
2022: €64k▲ +76.5% vs 2021highest in 5 years
2023: €20k▼ -69.1% vs 2022
2024: €26k▲ +29.7% vs 2023
2025: €12k▼ -53.5% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€119k ▼ 24.9%
Current assets
€122k ▲ 17.3%
Equity and liabilities €240k
Equity
€69k ▲ 21.0%
Debt
€171k ▼ 16.3%
Debt's share of the balance-sheet total falls from 78.2% to 71.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€70k▼
2024 · €83k
Cash flow
€57k▼
2024 · €70k
Current ratio
1.09▲
2024 · 0.94
Debt to equity
2.49▼
2024 · 3.59
ROE
17.4%▼
2024 · 45.2%
ROA
5.0%▼
2024 · 9.8%
Interest coverage
10.61▼
2024 · 11.19
Debt ≤ 1 year
€111k▲
2024 · €111k
Debt > 1 year
€60k▼
2024 · €94k
Income taxes
€10k▲
2024 · €9k
Staff costs
€133k▲
2024 · €127k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€262k€240k▼
Fixed assets21/28€158k€119k▼
Tangible fixed assets22/27€153k€114k▼
Land and buildings22€72k€67k▼
Furniture and vehicles24€81k€47k▼
Financial fixed assets28€5k€5k▲
Current assets29/58€104k€122k▲
Amounts receivable within one year40/41€87k€95k▲
Trade receivables40€17k€15k▼
Other amounts receivable41€70k€80k▲
Cash at bank and in hand54/58€17k€27k▲
Equity and liabilities
Total equity and liabilities10/49€262k€240k▼
Equity10/15€57k€69k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Profit (loss) carried forward14€-9k€3k▲
Amounts payable17/49€205k€171k▼
Amounts payable after more than one year17€94k€60k▼
Financial debts170/4€94k€60k▼
Amounts payable within one year42/48€111k€111k▲
Current portion of amounts payable after more than one year42€51k€59k▲
Trade debts44€14k€6k▼
Suppliers440/4€14k€6k▼
Taxes, remuneration and social security45€47k€47k▼
Taxes450/3€13k€15k▲
Remuneration and social security454/9€34k€32k▼
Income statement
Code20242025
Remuneration, social security and pensions62€127k€133k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€45k▲
Other operating charges640/8€5k€5k▼
Non-recurring operating charges66A€15k-
Gross operating margin9900€230k€207k▼
Operating profit (loss)9901€39k€24k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€2k€4k▲
Non-recurring financial income76B€2k-
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€35k€22k▼
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€26k€12k▼
Profit (loss) for the period to be appropriated9905€26k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€3k▲
Profit (loss) brought forward from the previous period14P€-35k€-9k▲
Social balance
Average headcount (FTE)9087-4.6
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €96k | €90k | €111k | €127k | €133k | ▲ 4.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €25k | €39k | €44k | €45k | ▲ 2.1% |
| Other operating charges640/8 | €3k | €3k | €6k | €5k | €5k | ▼ 1.0% |
| Non-recurring operating charges66A | - | - | €283 | €15k | - | - |
| Gross operating margin9900 | €151k | €186k | €182k | €230k | €207k | ▼ 9.7% |
| Operating profit (loss)9901 | €43k | €68k | €26k | €39k | €24k | ▼ 36.9% |
| Financial income75/76B | €14 | €11 | €452 | €3k | €4k | ▲ 10.2% |
| Recurring financial income75 | €14 | €11 | €23 | €2k | €4k | ▲ 127% |
| Non-recurring financial income76B | - | - | €430 | €2k | - | - |
| Financial charges65/66B | €6k | €4k | €6k | €7k | €7k | ▼ 11.5% |
| Recurring financial charges65 | €6k | €4k | €6k | €7k | €7k | ▼ 11.5% |
| Profit (loss) for the period before taxes9903 | €36k | €64k | €20k | €35k | €22k | ▼ 37.7% |
| Income taxes67/77 | €1 | €1 | €5 | €9k | €10k | ▲ 7.5% |
| Profit (loss) for the period9904 | €36k | €64k | €20k | €26k | €12k | ▼ 53.5% |
| Profit (loss) for the period to be appropriated9905 | €36k | €64k | €20k | €26k | €12k | ▼ 53.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €130k | €210k | €258k | €262k | €240k | ▼ 8.2% |
| Fixed assets21/28 | €102k | €141k | €196k | €158k | €119k | ▼ 24.9% |
| Tangible fixed assets22/27 | €98k | €136k | €191k | €153k | €114k | ▼ 25.7% |
| Land and buildings22 | €92k | €86k | €79k | €72k | €67k | ▼ 7.1% |
| Furniture and vehicles24 | €5k | €51k | €112k | €81k | €47k | ▼ 42.2% |
| Financial fixed assets28 | €5k | €5k | €5k | €5k | €5k | ▲ 1.3% |
| Current assets29/58 | €27k | €69k | €62k | €104k | €122k | ▲ 17.3% |
| Amounts receivable within one year40/41 | €15k | €51k | €11k | €87k | €95k | ▲ 9.3% |
| Trade receivables40 | €15k | €47k | €5k | €17k | €15k | ▼ 8.1% |
| Other amounts receivable41 | - | €5k | €6k | €70k | €80k | ▲ 13.4% |
| Cash at bank and in hand54/58 | €12k | €17k | €51k | €17k | €27k | ▲ 58.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €130k | €210k | €258k | €262k | €240k | ▼ 8.2% |
| Equity10/15 | €-53k | €11k | €31k | €57k | €69k | ▲ 21.0% |
| Contributions10/11 | €62k | €62k | €62k | €62k | €62k | = |
| Capital10 | €62k | €62k | €62k | €62k | €62k | = |
| Issued capital100 | €62k | €62k | €62k | €62k | €62k | = |
| Reserves13 | €4k | €4k | €4k | €4k | €4k | = |
| Non-distributable reserves130/1 | €4k | €4k | €4k | €4k | €4k | = |
| Legal reserve130 | €4k | €4k | €4k | €4k | €4k | = |
| Profit (loss) carried forward14 | €-119k | €-55k | €-35k | €-9k | €3k | ▲ 130% |
| Amounts payable17/49 | €183k | €198k | €227k | €205k | €171k | ▼ 16.3% |
| Amounts payable after more than one year17 | €51k | €88k | €139k | €94k | €60k | ▼ 36.0% |
| Financial debts170/4 | €51k | €88k | €139k | €94k | €60k | ▼ 36.0% |
| Amounts payable within one year42/48 | €132k | €110k | €88k | €111k | €111k | ▲ 0.4% |
| Current portion of amounts payable after more than one year42 | €27k | €26k | €46k | €51k | €59k | ▲ 16.3% |
| Trade debts44 | €12k | €32k | €9k | €14k | €6k | ▼ 56.3% |
| Suppliers440/4 | €12k | €32k | €9k | €14k | €6k | ▼ 56.3% |
| Taxes, remuneration and social security45 | €31k | €22k | €27k | €47k | €47k | ▼ 0.2% |
| Taxes450/3 | €11k | €2k | €2k | €13k | €15k | ▲ 16.7% |
| Remuneration and social security454/9 | €20k | €20k | €24k | €34k | €32k | ▼ 6.5% |
| Other amounts payable47/48 | €62k | €30k | €6k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €36k | €64k | €20k | €26k | €12k | ▼ 53.5% |
| + Depreciation and write-downs630 | €10k | €25k | €39k | €44k | €45k | ▲ 2.1% |
| Operating cash flow (approximation) | €46k | €90k | €59k | €70k | €57k | ▼ 18.3% |
| Investment in fixed assets (approximation) | - | €-64k | €-94k | €-6k | €-6k | ▲ 4.3% |
| Change in cash | - | €5k | €34k | €-35k | €10k | ▲ 128% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Highest result since 2018net €64k ▲76.5%
Operating result €68k, net result €64k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
12-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 73 days late
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 346 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 350 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, La Louvière · 2 establishment units since 1988
Ground area
728 m²
Building footprint
267 m²
Volume, LiDAR
4,536 m³
2 parcels, Wallonia · tallest building 22.0 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
AUTO-ECOLE LA LOUVE
since 19882.039.305.630
Auto Ecole La Louve
since 20142.279.442.194
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55372D0048/00T008 | Wallonia | 652 m² | 1 · 213 m² | 22.0 m · 6 fl. |
| 55402D0064/00K000 | Wallonia | 76 m² | 1 · 55 m² | 13.5 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,038 companies in sector 85531 we hold annual accounts for 347. 282 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded12-07-1988
Fiscal year end31-12
Activities, NACEBEL 2025
85531Driving schools for cars and motorcycles
Scores and ratios are computed by Checked and are not a credit decision.