LOBECO
ActiveLOBECO has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.76M and a net result of €76k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 95% of 9114 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+3
Solvency100=
Growth63▲+13
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
short-term debt: 0% and cash: 14.2% of total assets, and 3.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
96.8%
Return on assets
4.2%
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
86 d early
2023
86 d early
2022
83 d early
2021
60 d early
2020
59 d early
2019
80 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€222k▼ 10.3%
2024 · €247k
2020: €216k
2021: €215k
2022: €244k
2023: €261k
2024: €247k
2020 → 2025
EBIT margin
43.7%▲ 40.8pp
2024 · 2.8%
2020: 5.8%
2021: -13.1%
2022: 2.9%
2023: 6.8%
2024: 2.8%
2020 → 2025
Net result
€76k▲ 558%
2024 · €11k
2018: €22k
2019: €28k
2020: €2k
2021: €-37k
2022: €13k
2023: €18k
2024: €11k
2018 → 2025
Working capital
€368k▼ 2.5%
2024 · €378k
2018: €702k
2019: €814k
2020: €641k
2021: €551k
2022: €677k
2023: €269k
2024: €378k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€215k-€244k▲ 13.5%€261k▲ 6.8%€247k▼ 5.1%€222k▼ 10.3%
Equity€1.64M-€1.66M▲ 0.8%€1.67M▲ 1.1%€1.68M▲ 0.7%€1.76M▲ 4.5%
Operating result€-28k-€7k€18k▲ 155%€7k▼ 60.9%€97k▲ 1,296%
Net result€-37k-€13k€18k▲ 36.5%€11k▼ 34.9%€76k▲ 558%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,296% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.82M
Fixed assets
€1.45M▲ 9.6%
Current assets
€368k▼ 2.9%
Equity and liabilities €1.82M
Equity
€1.76M▲ 4.5%
Provisions
€41k
Debt
€16k▼ 7.7%
The debt ratio falls from 1.0% to 0.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€249k▲
2024 · €138k
Cash flow
€228k▲
2024 · €143k
Solvency
96.8%▼
2024 · 99.0%
Debt / equity
0.01▼
2024 · 0.01
ROE
4.3%▲
2024 · 0.7%
ROA
4.2%▲
2024 · 0.7%
Interest coverage
3117.58▲
2024 · 1793.53
Debt
€16k▼
2024 · €18k
Debt ≤ 1 year
€197▼
2024 · €2k
Staff costs
€2k▲
2024 · €188
A ratio outside any meaningful range has been withheld (balance sheet total €1.82M, equity €1.76M).
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€1.70M€1.82M▲
Fixed assets21/28€1.32M€1.45M▲
Tangible fixed assets22/27€1.30M€1.43M▲
Land and buildings22€1.26M€1.30M▲
Plant, machinery and equipment23€45k€135k▲
Financial fixed assets28€19k€19k=
Current assets29/58€379k€368k▼
Amounts receivable within one year40/41€72k€100k▲
Other amounts receivable41€72k€100k▲
Current investments50/53€200k-
Cash at bank and in hand54/58€88k€258k▲
Deferred charges and accrued income490/1€19k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.82M▲
Equity10/15€1.68M€1.76M▲
Contributions10/11€1.08M€1.08M=
Capital10€1.08M€1.08M=
Issued capital100€1.08M€1.08M=
Reserves13-€124k
Tax-exempt reserves132-€124k
Profit (loss) carried forward14€609k€561k▼
Provisions and deferred taxes16-€41k
Deferred taxes168-€41k
Amounts payable17/49€18k€16k▼
Amounts payable within one year42/48€2k€197▼
Taxes, remuneration and social security45€12€110▲
Remuneration and social security454/9€12€110▲
Other amounts payable47/48€2k€87▼
Accrued charges and deferred income492/3€16k€16k▲
Income statement
Code20242025
Turnover70€247k€222k▼
Non-recurring operating income76A-€169k
Goods, raw materials, services and sundry goods60/61€11k€20k▲
Remuneration, social security and pensions62€188€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€131k€153k▲
Other operating charges640/8€98k€120k▲
Gross operating margin9900€236k€371k▲
Operating profit (loss)9901€7k€97k▲
Financial income75/76B€9k€20k▲
Recurring financial income75€3k€4k▲
Non-recurring financial income76B€6k€16k▲
Financial charges65/66B€77€80▲
Recurring financial charges65€77€80▲
Profit (loss) for the period before taxes9903€16k€117k▲
Transfer from deferred taxes780-€949
Transfer to deferred taxes680-€42k
Income taxes67/77€4k-
Profit (loss) for the period9904€11k€76k▲
Transfer from tax-exempt reserves789-€3k
Transfer to tax-exempt reserves689-€127k
Profit (loss) for the period to be appropriated9905€11k€-48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€609k€561k▼
Profit (loss) brought forward from the previous period14P€598k€609k▲
Social balance
Average headcount (FTE)90870.10.1=
The notes to these accounts (7 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €76k ▲558%
Operating result €97k, net result €76k, both a record.
31-12
Financial
Liquidity times 8current ratio 1869.94
Current ratio from 237.21 to 1869.94; short-term debt falls from €2k to €197.
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 237.21
Current ratio from 57.82 to 237.21; short-term debt falls from €5k to €2k.
06-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-37k ▼2304%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Zele · 1 establishment unit since 1987
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.
Markt 2A9240 ZeleGround area
277 m²
Building footprint
199 m²
Volume, LiDAR
1,929 m³
2 parcels, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Markt 2, 9240 Zele
since 19872.029.930.975
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42402F0242/00W000 | Flanders | 192 m² | 1 · 100 m² | 14.9 m · 4 fl. |
| 42402F0242/00M000 | Flanders | 85 m² | 1 · 99 m² | 11.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,133 companies in sector 68201 we hold annual accounts for 6,762. 4,425 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-07-1987
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.