LOB'URO
ActiveSummary
The computed 12-month bankruptcy probability of LOB'URO is 2.5% (moderate). The 2025 annual accounts show equity of €31k and a net result of €102k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency40▼-24
Growth78=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.94 against 1.65 in 2024; short-term debt: 76% and cash: 58.9% of total assets), and 85.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
14.6%
Return on assets
48.8%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
31 d early
2024
14 d early
2023
30 d late
2022
26 d late
2021
23 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▼ 71.8%
2024 · €109k
2021: €24k
2022: €62k
2023: €126k
2024: €109k
2021 → 2025
Total assets
€210k▼ 25.3%
2024 · €281k
2021: €68k
2022: €102k
2023: €191k
2024: €281k
2021 → 2025
Net result
€102k▲ 23.8%
2024 · €83k
2021: €23k
2022: €39k
2023: €63k
2024: €83k
2021 → 2025
Working capital
€-10k
2024 · €90k
2021: €7k
2022: €46k
2023: €109k
2024: €90k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€62k▲ 163%€126k▲ 102%€109k▼ 13.7%€31k▼ 71.8%
Operating result€32k-€50k▲ 57.1%€82k▲ 66.4%€116k▲ 40.2%€140k▲ 20.8%
Net result€23k-€39k▲ 69.9%€63k▲ 64.2%€83k▲ 30.4%€102k▲ 23.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€60k ▲ 16.2%
Current assets
€150k ▼ 34.7%
Equity and liabilities €210k
Equity
€31k ▼ 71.8%
Debt
€179k ▲ 4.0%
Debt's share of the balance-sheet total rises from 61.3% to 85.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€157k▲
2024 · €132k
Cash flow
€120k▲
2024 · €99k
Current ratio
0.94▼
2024 · 1.65
Debt to equity
5.85▲
2024 · 1.59
ROE
334.6%▲
2024 · 76.2%
ROA
48.8%▲
2024 · 29.5%
Interest coverage
83.52▲
2024 · 60.39
Debt ≤ 1 year
€159k▲
2024 · €139k
Debt > 1 year
€20k▼
2024 · €33k
Income taxes
€36k▲
2024 · €31k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€281k€210k▼
Fixed assets21/28€52k€60k▲
Tangible fixed assets22/27€52k€60k▲
Plant, machinery and equipment23€741€8k▲
Furniture and vehicles24€51k€52k▲
Current assets29/58€229k€150k▼
Amounts receivable within one year40/41€7k€24k▲
Trade receivables40€1k€2k▲
Other amounts receivable41€6k€23k▲
Cash at bank and in hand54/58€220k€123k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€281k€210k▼
Equity10/15€109k€31k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€108k€30k▼
Amounts payable17/49€172k€179k▲
Amounts payable after more than one year17€33k€20k▼
Financial debts170/4€33k€20k▼
Amounts payable within one year42/48€139k€159k▲
Current portion of amounts payable after more than one year42€17k€29k▲
Trade debts44€327€93▼
Suppliers440/4€327€93▼
Advances received on contracts in progress46€440-
Taxes, remuneration and social security45€36k€13k▼
Taxes450/3€34k€13k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€85k€118k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€18k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€133k€159k▲
Operating profit (loss)9901€116k€140k▲
Financial income75/76B€242€776▲
Recurring financial income75€242€776▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€114k€139k▲
Income taxes67/77€31k€36k▲
Profit (loss) for the period9904€83k€102k▲
Profit (loss) for the period to be appropriated9905€83k€102k▲
Appropriation of the result
Profit (loss) to be appropriated9906€208k€210k▲
Profit (loss) brought forward from the previous period14P€125k€108k▼
Profit to be distributed694/7€100k€180k▲
Return on contributions (dividend)694€100k€180k▲
The notes to these accounts (6 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €102k ▲23.8%
Operating result €140k, net result €102k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 6.52
Current ratio from 3.00 to 6.52; short-term debt falls from €23k to €20k.
31-12
Financial
Equity above €100kEq €126k ▲102%
3 profitable years in a row build equity to €126k.
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 3.00
Current ratio from 1.34 to 3.00.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Le Roeulx · 1 establishment unit since 2021
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.
Rue Camille Bouyère(M) 457070 Le RoeulxGround area
2,258 m²
Building footprint
188 m²
Parcel 55027A0175/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
LOB'URO
since 20212.314.486.712
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55027A0175/00L000 | Wallonia | 2,258 m² | 1 · 187 m² | - |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2020
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.