LOARTO 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 €2.76M and a net result of €143k. Equity is growing by ~35.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 7980 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 03-04-2026, 119 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
119 d early
2024
41 d early
2023
126 d early
2022
81 d early
2021
54 d early
2020
17 d early
2019
17 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.76M▼ 3.0%
2024 · €2.84M
2018: €420k
2019: €580k
2020: €810k
2021: €855k
2022: €968k
2023: €2.90M
2024: €2.84M
2018 → 2025
Net result
€143k▲ 41.5%
2024 · €101k
2018: €140k
2019: €160k
2020: €229k
2021: €195k
2022: €223k
2023: €2.07M
2024: €101k
2018 → 2025
Total assets
€3.03M▼ 7.7%
2024 · €3.28M
2018: €536k
2019: €653k
2020: €858k
2021: €967k
2022: €1.17M
2023: €3.33M
2024: €3.28M
2018 → 2025
Solvency
91.1%▲ 4.4pp
2024 · 86.7%
2018: 78.4%
2019: 88.9%
2020: 94.4%
2021: 88.3%
2022: 82.7%
2023: 87.2%
2024: 86.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€855k-€968k▲ 13.3%€2.90M▲ 200%€2.84M▼ 2.0%€2.76M▼ 3.0%
Operating result€109k-€113k▲ 4.2%€134k▲ 18.1%€113k▼ 15.1%€176k▲ 55.1%
Net result€195k-€223k▲ 14.2%€2.07M▲ 829%€101k▼ 95.1%€143k▲ 41.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 55% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.03M
Fixed assets
€2.03M▼ 0.6%
Current assets
€1.00M▼ 19.3%
Equity and liabilities €3.03M
Equity
€2.76M▼ 3.0%
Debt
€271k▼ 38.1%
The debt ratio falls from 13.3% to 8.9%. Equity and debt are lower.
Key figures and ratios
Solvency
91.1%▲
2024 · 86.7%
ROE
5.2%▲
2024 · 3.6%
ROA
4.7%▲
2024 · 3.1%
Debt
€271k▼
2024 · €437k
Debt ≤ 1 year
€267k▼
2024 · €422k
Debt > 1 year
€3k▼
2024 · €15k
Income taxes
€65k▲
2024 · €47k
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€3.28M€3.03M▼
Fixed assets21/28€2.04M€2.03M▼
Tangible fixed assets22/27€27k€15k▼
Furniture and vehicles24€27k€15k▼
Financial fixed assets28€2.01M€2.01M=
Current assets29/58€1.24M€1.00M▼
Amounts receivable after more than one year29€120k€80k▼
Other amounts receivable291€120k€80k▼
Amounts receivable within one year40/41€51k€57k▲
Other amounts receivable41€51k€57k▲
Current investments50/53€0€500k▲
Cash at bank and in hand54/58€1.06M€357k▼
Deferred charges and accrued income490/1€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€3.28M€3.03M▼
Equity10/15€2.84M€2.76M▼
Contributions10/11€19k€19k=
Reserves13€2.83M€2.74M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€2.82M€2.74M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€437k€271k▼
Amounts payable after more than one year17€15k€3k▼
Financial debts170/4€15k€3k▼
Amounts payable within one year42/48€422k€267k▼
Current portion of amounts payable after more than one year42€12k€12k▲
Financial debts43€442€181▼
Credit institutions430/8€442€181▼
Trade debts44€15k€4k▼
Suppliers440/4€15k€4k▼
Advances received on contracts in progress46€101€101=
Taxes, remuneration and social security45€235k€21k▼
Taxes450/3€235k€21k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€160k€229k▲
Accrued charges and deferred income492/3€0€600▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€3k€3k▲
Gross operating margin9900€129k€191k▲
Operating profit (loss)9901€113k€176k▲
Financial income75/76B€35k€33k▼
Recurring financial income75€35k€33k▼
Non-recurring financial income76B€0-
Financial charges65/66B€440€408▼
Recurring financial charges65€440€408▼
Profit (loss) for the period before taxes9903€148k€208k▲
Income taxes67/77€47k€65k▲
Profit (loss) for the period9904€101k€143k▲
Profit (loss) for the period to be appropriated9905€101k€143k▲
Appropriation of the result
Profit (loss) to be appropriated9906€101k€143k▲
Transfer from equity791/2€160k€229k▲
Transfer to equity691/2€101k€143k▲
To other reserves6921€101k€143k▲
Profit to be distributed694/7€160k€229k▲
Return on contributions (dividend)694€160k€229k▲
The notes to these accounts (11 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
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €101k ▼95.1%
Net result drops to €101k, the lowest in the series; recovery starts the following year.
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €2.07M ▲829%
Net result €2.07M, the highest in the series.
31-12
Financial
Equity above €2MEq €2.90M ▲200%
6 profitable years in a row build equity to €2.90M.
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 9.73
Current ratio from 3.63 to 9.73; short-term debt falls from €72k to €48k.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 3.63
Current ratio from 1.28 to 3.63; short-term debt falls from €114k to €72k.
31-12
Financial
Equity above €500kEq €580k ▲38.1%
2 profitable years in a row build equity to €580k.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Aalst · 1 establishment unit since 2012
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.
Steenweg op Dendermonde 29308 AalstGround area
2,803 m²
Building footprint
275 m²
Volume, LiDAR
3,220 m³
Parcel 41029B0140/00N002, Flanders · tallest building 20.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LOARTO
since 20122.208.647.834
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41029B0140/00N002 | Flanders | 2,803 m² | 1 · 275 m² | 20.3 m · 4 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 9,931 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.