Equity
-€6,911
Debts exceed assets in financial year 2025.
LO.L.A.
Lifetime
19 annual accounts with figures on one time axispeak €82,867 (2021)
€18,865▲ 14.8%
lowest -€63,534 (2017)
€11,020▲ 6.4%
peak €28,319 (2014)
-€6,911▲ €11,020
€39,027▲ 25.1%
Board1 name since 2021
1 directorSCHWEITZER Stéphane
Documentsfilings and deeds
29-09-202660 days late
2025micro format
Gross margin from €16,426 to €18,865Equity from -€17,931 to -€6,911Debts from €31,192 to €39,027Investments €1,321Cash from €9,855 to €1,504
Key points
from the 2025 annual accountsDebts
€39,027 122% of the balance sheet
Suppliers 51%Taxes and wages 48%Other 1%
Investments
€1,321 5.3 × depreciation
Green is investment, beige is depreciation.
Filings
19 annual accounts since 2007
Ten of the last ten came late. The 2025 accounts came latest: 60 days after the end of the period.
At the same address
76 companies
Position in the sector
-21.5%
Lower solvency than 90% of companies in real estate. Sector median 28.9% · 17,185 companies.
Checked score
56
Fair
Financially stronger than 50% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.4%● unchanged vs 12-2024
02-2025: 0.7%▼ -0.7 percentage points vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.7%● unchanged vs 03-2025
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.7%● unchanged vs 05-2025
07-2025: 0.8%▲ +0.1 percentage points vs 06-2025
08-2025: 1.1%▲ +0.3 percentage points vs 07-2025
09-2025: 1.2%▲ +0.1 percentage points vs 08-2025
10-2025: 0.2%▼ -1.0 percentage point vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026lowest value
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026
09-2026: 0.9%▲ +0.6 percentage points vs 08-2026
10-2026: 1.4%▲ +0.5 percentage points vs 09-2026highest value
11-2026: 1.4%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
1 change of registered office in 24 months
Last filed accounts filed 60 days late; 1 of the last 3 accounts late
Negative equity -€6,911
lowers risk
Size: total assets €32,116
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 68, micro). It does better than 10% of them on solvency, 8% on liquidity, 95% on profitability and 87% on growth.
The bankruptcy probability was computed on 08-11-2026 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 31-12-2025.
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, 3,632 companies had the same profile as LO.L.A. has now. Each dot stands for 10 companies, two years later.
91.9%
were still trading
4.8%
stopped another way
2.9%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of LO.L.A. itself: 1.4% 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 3,632 companies, not a prediction for LO.L.A.. 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 0.79 (0.42 in 2024), below 1. Short-term debt is 121.5% and cash 4.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six 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 10% of 17185 sector peers (2025).
NBB · sector comparisonPosition among 17185 sector peers
Solvency
better than 10%
← weakest
strongest →
raises risk · 2025 accounts filed 60 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 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
60 days late
2024
29 days late
2023
28 days late
2022
30 days late
2021
26 days late
2020
31 days late
2019
34 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 34 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 29 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Brussels to Ixelles
New registered office: Rue Borrens 51, 1050 Ixelles · Previous registered office: Avenue Louise 523, 1050 Bruxelles (Ixelles) · General meeting of 18-06-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0888619968
Registered office moved from Ixelles to Brussels
New registered office: Avenue Louise 523, 1050 Bruxelles · Previous registered office: Rue Jean d'Ardenne 67, 1050 Ixelles · Change of role: SCHWEITZER Stéphane, from manager to director · General meeting of 24-01-2023 · Gazette deed
Incorporation
published on 18-04-2007 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LO.L.A. Ixelles | €32,116 | €18,865 | -21.5% | - |
| AGENCE IMMOBILIERE HAPPY HOUSE Evere | €30,365 | €17,302 | 87.3% | - |
| FONDSART Woluwe-Saint-Pierre | €37,353 | €17,232 | 85.4% | - |
| YVOIRE Uccle | €39,275 | €16,518 | 81.1% | - |
| Q CONCEPTS Lessines | €36,000 | €19,392 | -3.8% | - |
| Pi Vastgoed Kortrijk | €29,838 | €22,260 | 75.4% | - |
| Immo Frati Kruisem | €34,086 | €15,483 | -241.0% | - |
These companies have the same main activity as LO.L.A.: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €29,800 and €39,300, founded between 2005 and 2009.
Official details
Source: KBO- Status
- Active since 20-03-2007Normal situation
- Registered office
- 77 active companies are registered at this address3 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- Real estate agency activitiesNACE 68310and 8 others
- Establishment unit
- 2.162.354.1871050 Ixelles, since 20-03-2007
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Insights on LO.L.A.
LO.L.A. files the micro format. That format states no turnover. The gross margin fell from €22,496 in 2007 to €18,865 in 2025.
The balance sheet grew most in 2018 through fixed assets.
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 LO.L.A.
- What is the company number of LO.L.A.?
- The company number of LO.L.A. is 0888.619.968. The VAT number is the same number with BE in front: BE 0888.619.968.
- Where is LO.L.A. based?
- The registered office is at Borrensstraat 51, 1050 Ixelles.Company details
- What does LO.L.A. do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of LO.L.A.?
- LO.L.A. is a private limited company (BV).
- When was LO.L.A. founded?
- LO.L.A. was founded on 20-03-2007.
- Is LO.L.A. still active?
- Yes, LO.L.A. is an active enterprise in the KBO register.
- What is the turnover of LO.L.A.?
- The turnover in financial year 2025 is ≈ €81,000. This figure is estimated from the gross margin of €18,865 and 37 comparable companies (NACE 68310). It probably lies between €27,000 and €140,000. It is a rough estimate.Financials
- Is LO.L.A. profitable?
- In financial year 2025, LO.L.A. made a profit of €11,020.
- Where can I find the annual accounts of LO.L.A.?
- LO.L.A. filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LO.L.A. due?
- LO.L.A. must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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