LO BRAVO
ActiveLO BRAVO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €7k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 66% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-15
Solvency77▼-23
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 5.71 in 2024; short-term debt: 45.8% and cash: 15.4% of total assets), and 47.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
52.3%
Return on assets
4.7%
Age of the figures
9 mo
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
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
41 d early
2023
42 d early
2022
39 d early
2021
24 d late
2020
4 d early
2019
8 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▼ 39.3%
2024 · €125k
2018: €51k
2019: €53k
2020: €77k
2021: €99k
2022: €110k
2023: €116k
2024: €125k
2018 → 2025
Total assets
€145k▼ 8.4%
2024 · €158k
2018: €119k
2019: €134k
2020: €132k
2021: €160k
2022: €152k
2023: €164k
2024: €158k
2018 → 2025
Net result
€7k▼ 24.1%
2024 · €9k
2018: €26k
2019: €2k
2020: €24k
2021: €31k
2022: €11k
2023: €6k
2024: €9k
2018 → 2025
Working capital
€65k▼ 43.5%
2024 · €114k
2018: €33k
2019: €45k
2020: €65k
2021: €96k
2022: €110k
2023: €106k
2024: €114k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€110k▲ 10.7%€116k▲ 5.5%€125k▲ 7.7%€76k▼ 39.3%
Operating result€44k-€20k▼ 53.6%€3k▼ 83.2%€6k▲ 81.9%€9k▲ 47.7%
Net result€31k-€11k▼ 66.0%€6k▼ 43.4%€9k▲ 49.6%€7k▼ 24.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 48% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€14k▼ 29.5%
Current assets
€131k▼ 5.4%
Equity and liabilities €145k
Equity
€76k▼ 39.3%
Debt
€69k▲ 107%
The debt ratio rises from 21.1% to 47.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€15k▲
2024 · €12k
Cash flow
€13k▼
2024 · €15k
Solvency
52.3%▼
2024 · 78.9%
Current ratio
1.97▼
2024 · 5.71
Quick ratio
0.50▼
2024 · 2.74
Debt / equity
0.91▲
2024 · 0.27
ROE
9.0%▲
2024 · 7.2%
ROA
4.7%▼
2024 · 5.7%
Interest coverage
4.33▼
2024 · 11.30
Debt
€69k▲
2024 · €33k
Debt ≤ 1 year
€66k▲
2024 · €24k
Debt > 1 year
€3k▼
2024 · €9k
Income taxes
€5k▲
2024 · €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€158k€145k▼
Fixed assets21/28€20k€14k▼
Tangible fixed assets22/27€20k€14k▼
Furniture and vehicles24€20k€14k▼
Current assets29/58€138k€131k▼
Stocks and contracts in progress3€72k€98k▲
Stocks30/36€72k€98k▲
Amounts receivable within one year40/41€10k€11k▲
Trade receivables40€420-
Other amounts receivable41€10k€11k▲
Cash at bank and in hand54/58€56k€22k▼
Equity and liabilities
Total equity and liabilities10/49€158k€145k▼
Equity10/15€125k€76k▼
Contributions10/11€19k€19k=
Reserves13€64k€15k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€62k€13k▼
Profit (loss) carried forward14€43k€43k=
Amounts payable17/49€33k€69k▲
Amounts payable after more than one year17€9k€3k▼
Financial debts170/4€9k€3k▼
Amounts payable within one year42/48€24k€66k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44-€19k
Suppliers440/4-€19k
Taxes, remuneration and social security45€7k€7k▼
Taxes450/3€7k€7k▼
Other amounts payable47/48€11k€34k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€2k€7k▲
Gross operating margin9900€14k€23k▲
Operating profit (loss)9901€6k€9k▲
Financial income75/76B€6k€6k▼
Recurring financial income75€6k€6k▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€11k€11k▼
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€9k€7k▼
Profit (loss) for the period to be appropriated9905€9k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€49k▲
Profit (loss) brought forward from the previous period14P€34k€43k▲
Transfer from equity791/2-€56k
Transfer to equity691/2-€7k
To other reserves6921-€7k
Profit to be distributed694/7-€56k
Directors or managers695-€56k
The notes to these accounts (5 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €110k ▲10.7%
5 profitable years in a row build equity to €110k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Highest result since 2018net €31k ▲28.6%
Operating result €44k, net result €31k, both a record.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €2k ▼92.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Lochristi · 1 establishment unit since 2014
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.
Dorp-West 289080 LochristiGround area
181 m²
Building footprint
109 m²
Volume, LiDAR
921 m³
Parcel 44034A1129/00N000, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LO BRAVO
since 20142.232.686.810
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034A1129/00N000 | Flanders | 181 m² | 1 · 109 m² | 10.4 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteLochristi2.232.686.810
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Of 10,524 companies in sector 47110 we hold annual accounts for 5,859. 4,679 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2014
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47252Retail sale of beverages, general range
47260Retail trade
47789Other retail sale of new goods
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.