Lo-Build
ActiveSummary
Lo-Build has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €147k and a net result of €-39k. Its solvency ranks better than 37% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability14▼-1
Solvency40▼-22
Growth32
Track record82
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.21 against 1.59 in 2024; short-term debt: 82.9% and cash: 1.1% of total assets), and 85.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year €-39k
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 03-07-2026, 28 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
28 d early
2024
11 d late
← 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, micro schema
Equity
€147k▼ 21.1%
2024 · €187k
Total assets
€1.00M▲ 99.2%
2024 · €504k
Net result
€-39k▼ 192%
2024 · €-13k
Working capital
€172k▼ 8.0%
2024 · €187k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€-8k-€-15k▼ 91.0%
Net result€-13k-€-39k▼ 192%
Equity€187k-€147k▼ 21.1%
Total assets€504k-€1.00M▲ 99.2%
Debt€318k-€857k▲ 170%
Working capital€187k-€172k▼ 8.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2025 against €8k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.00M
Equity
€147k ▼ 21.1%
Debt
€857k ▲ 170%
Debt's share of the balance-sheet total rises from 63.0% to 85.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-15k▼
2024 · €-6k
Cash flow
€-39k▼
2024 · €-12k
Current ratio
1.21▼
2024 · 1.59
Quick ratio
0.04▼
2024 · 0.05
Debt to equity
5.82▲
2024 · 1.70
ROE
-26.7%▼
2024 · -7.2%
ROA
-3.9%▼
2024 · -2.7%
Interest coverage
-0.61▲
2024 · -1.05
Debt ≤ 1 year
€833k▲
2024 · €318k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €0 | ▼ 100% |
| Other operating charges640/8 | €387 | €527 | ▲ 36.0% |
| Gross operating margin9900 | €-6k | €-14k | ▼ 158% |
| Operating profit (loss)9901 | €-8k | €-15k | ▼ 91.0% |
| Financial charges65/66B | €6k | €24k | ▲ 332% |
| Recurring financial charges65 | €6k | €24k | ▲ 332% |
| Profit (loss) for the period before taxes9903 | €-13k | €-39k | ▼ 192% |
| Profit (loss) for the period9904 | €-13k | €-39k | ▼ 192% |
| Profit (loss) for the period to be appropriated9905 | €-13k | €-39k | ▼ 192% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €504k | €1.00M | ▲ 99.2% |
| Current assets29/58 | €504k | €1.00M | ▲ 99.2% |
| Stocks and contracts in progress3 | €490k | €974k | ▲ 99.0% |
| Stocks30/36 | €490k | €974k | ▲ 99.0% |
| Amounts receivable within one year40/41 | €847 | €100 | ▼ 88.2% |
| Other amounts receivable41 | €847 | €100 | ▼ 88.2% |
| Cash at bank and in hand54/58 | €7k | €11k | ▲ 48.2% |
| Deferred charges and accrued income490/1 | €6k | €19k | ▲ 197% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €504k | €1.00M | ▲ 99.2% |
| Equity10/15 | €187k | €147k | ▼ 21.1% |
| Contributions10/11 | €200k | €200k | = |
| Profit (loss) carried forward14 | €-13k | €-53k | ▼ 292% |
| Amounts payable17/49 | €318k | €857k | ▲ 170% |
| Amounts payable within one year42/48 | €318k | €833k | ▲ 162% |
| Trade debts44 | €12k | €7k | ▼ 40.6% |
| Suppliers440/4 | €12k | €7k | ▼ 40.6% |
| Other amounts payable47/48 | €306k | €826k | ▲ 170% |
| Accrued charges and deferred income492/3 | - | €24k | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €-13k | €-39k | ▼ 192% |
| + Depreciation and write-downs630 | €2k | €0 | ▼ 100% |
| Operating cash flow (approximation) | €-12k | €-39k | ▼ 239% |
| Change in cash | - | €4k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
NBB filing
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, Hamme (Vl.) · 1 establishment unit since 2024
Ground area
4,734 m²
Building footprint
1,532 m²
Volume, LiDAR
8,254 m³
Parcel 42452C0148/00F000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
20
companies at this address
See who is registered here
1 establishment unit
Lo-Build
since 20242.359.630.611
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452C0148/00F000 | Flanders | 4,734 m² | 1 · 1,532 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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K INVESTMENTS
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Of 9,698 companies in sector 68121 we hold annual accounts for 7,384. 5,346 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-05-2024
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
66300
68110Buying and selling of own real estate
68122Development of non-residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Scores and ratios are computed by Checked and are not a credit decision.