Financials
- Financial year
- 2025
- Total assets
- €1.8m
- Profit
- €168,839
- Solvency
- 6.0%
Total assets▼ 11.0%
Net result
20182025
Summary
LO - FINANCE 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 €106,838 and a net result of €168,839. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 6,649 sector peers (NACE 64, financial year 2025). The company has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Other financial services
NACE 64999Agents and brokers in banking services NACE 66191
2 sites
Size
€1.8mtotal assets 2025
- Staff
- 6.1 FTE
- Equity
- €106,838
- Profit
- €168,839
Turnover not published (abbreviated format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Largest shareholder
- MICAMA · 40%
Accounts filed 5 days late0 of 4 deeds read
Signalsraises riskWeak solvency vs sectorlowers riskGrowing equityneutralA punctual record breaksShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
Three signals.
lowers riskraises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 6649 sector peers (2025).
NBB · sector comparisonPosition among 6649 sector peers
Solvency
better than 10%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €106,838
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are in a legal situation other than normal, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
5 days late
2024
on the day
2023
6 days early
2022
11 days early
2021
5 days early
2020
19 days early
2019
4 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 6 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
10-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Equity above €100,000equity €106,838 ▲57.1%
- Annual accounts filedfinancial year 2024 · abbreviated…
Key points
By topic
Board & ownership
- Largest shareholder
- MICAMA · 40%
Timeline
- Events
- 13
- Since
- 2018
- Next accounts
- by 31-07-2027
- 25-07-2024Annual accounts filed
- 31-12-2023Highest result from 2018 to 2025
- 20-07-2023Annual accounts filed
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Other financial servicesNACE 64999
- Founded
- 30-05-2016
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What support did similar companies receive that this one did not?Subsidies What changed in the latest annual accounts?What changed
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