LOBATO

Active

Private limited companyfounded 20242 yrs activeSmolders Blockstraat 11, 2650 Edegem, BelgiumKBO/BCE: BE 1005.551.884

Summary

LOBATO has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117,178 and a net result of €117,078. The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch Report Compare

LOBATOActiveChecked score 94/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€151,167total assets 2025

Equity: €117,178
Profit: €117,078

Turnover not published (abridged schema)

Financial health

94 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.2%

Structure

Accounts 39 d early0 of 1 deed read

Why 94- Founded in 2024+ Liquidity: current ratio 4.31, cash €145,089+ Size: total assets €151,167+ Equity €117,178 (77.5% of total assets)Show the evidence

Checked score

Score 2025

94 / 100

Excellent

Probability in this band: under 0.55%

Better than 85% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 100

equity 77.5% of total assets

Liquidity 92

short-term debt 22.5% · cash 96.0%

Profitability 100

return on assets 77.4%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 15 months 08-2025: 3.4% 09-2025: 3.6%▲ +6.2% vs 08-2025highest value 10-2025: 3.6%▼ -0.5% vs 09-2025 11-2025: 3.5%▼ -3.2% vs 10-2025 12-2025: 3.5%▲ +1.1% vs 11-2025 01-2026: 0.1%▼ -96.4% vs 12-2025lowest value 02-2026: 0.1%● 0.0% vs 01-2026lowest value 03-2026: 0.2%▲ +32.5% vs 02-2026 04-2026: 0.2%● 0.0% vs 03-2026 05-2026: 0.2%● 0.0% vs 04-2026 06-2026: 0.2%● 0.0% vs 05-2026 07-2026: 0.2%● 0.0% vs 06-2026 08-2026: 0.2%▲ +4.2% vs 07-2026 09-2026: 0.2%● 0.0% vs 08-2026 10-2026: 0.2%▼ -0.6% vs 09-2026

Liquidity: current ratio 4.31, cash €145,089 lowers the probability
Size: total assets €151,167 lowers the probability for this profile
Founded in 2024 raises the probability for this profile
Equity €117,178 (77.5% of total assets) lowers the probability

Credit up to €11,000 at 30 days only on tighter terms

Liquidity ample (current ratio 4.31; short-term debt: 22.5% and cash: 96% of total assets), and 22.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 83%, profitability 90%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.