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LOBATO

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

The computed 12-month bankruptcy probability of LOBATO is 2.5% (moderate). The 2025 annual accounts show equity of €117,178 and a net result of €117,078. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 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.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
77.5%
Return on assets
77.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
39 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

LOBATO was incorporated on 2 February 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€117,178
Total assets
€151,167
Net result
€117,078
Working capital
€112,560

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €151,167
Fixed assets €4,619
Current assets €146,549
Equity and liabilities €151,167
Equity €117,178
Debt €33,989
Debt finances 22.5% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€151,680
Cash flow
€118,549
Current ratio
4.31
Debt to equity
0.29
ROE
99.9%
ROA
77.4%
Interest coverage
1209.48
Debt ≤ 1 year
€33,989
Income taxes
€33,006

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 32 lines
Balance sheet Code2025
Assets
Total assets20/58€151,167
Fixed assets21/28€4,619
Tangible fixed assets22/27€4,619
Plant, machinery and equipment23€4,619
Current assets29/58€146,549
Amounts receivable within one year40/41€1,459
Other amounts receivable41€1,459
Cash at bank and in hand54/58€145,089
Equity and liabilities
Total equity and liabilities10/49€151,167
Equity10/15€117,178
Contributions10/11€100
Reserves13€117,078
Distributable reserves133€117,078
Amounts payable17/49€33,989
Amounts payable within one year42/48€33,989
Trade debts44€983
Suppliers440/4€983
Taxes, remuneration and social security45€33,006
Taxes450/3€33,006
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,470
Other operating charges640/8€120
Gross operating margin9900€151,800
Operating profit (loss)9901€150,210
Financial charges65/66B€125
Recurring financial charges65€125
Profit (loss) for the period before taxes9903€150,085
Income taxes67/77€33,006
Profit (loss) for the period9904€117,078
Profit (loss) for the period to be appropriated9905€117,078
Appropriation of the result
Profit (loss) to be appropriated9906€117,078
Transfer to equity691/2€117,078
To other reserves6921€117,078

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,470
Other operating charges640/8€120
Gross operating margin9900€151,800
Operating profit (loss)9901€150,210
Financial charges65/66B€125
Recurring financial charges65€125
Profit (loss) for the period before taxes9903€150,085
Income taxes67/77€33,006
Profit (loss) for the period9904€117,078
Profit (loss) for the period to be appropriated9905€117,078
Line2025
Assets
Total assets20/58€151,167
Fixed assets21/28€4,619
Tangible fixed assets22/27€4,619
Plant, machinery and equipment23€4,619
Current assets29/58€146,549
Amounts receivable within one year40/41€1,459
Other amounts receivable41€1,459
Cash at bank and in hand54/58€145,089
Equity and liabilities
Total equity and liabilities10/49€151,167
Equity10/15€117,178
Contributions10/11€100
Reserves13€117,078
Distributable reserves133€117,078
Amounts payable17/49€33,989
Amounts payable within one year42/48€33,989
Trade debts44€983
Suppliers440/4€983
Taxes, remuneration and social security45€33,006
Taxes450/3€33,006
Line2025
Profit (loss) for the period9904€117,078
+ Depreciation and write-downs630€1,470
Operating cash flow (approximation)€118,549

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
23-12
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Edegem · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
243 m²
Building footprint
89 m²
Volume, LiDAR
585 m³
Parcel 11013A0259/00R002, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOBATO
Smolders Blockstraat 11, 2650 EdegemSpecialist medical practice
since 20242.355.502.072
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11013A0259/00R002 Flanders 243 m² 1 · 89 m² 10.7 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Company details

Identification
Legal formPrivate limited company
Founded02-02-2024
Fiscal year end30-06
E-invoicing
Reachable via Peppol
Peppol ID 0208:1005551884
Also 9925:BE1005551884
Registered 05-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.