LOBELLE DESIGN
ActiveLOBELLE DESIGN has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €928k and a net result of €69k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-24
Solvency67▼-26
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 4.37 in 2024; short-term debt: 15.1% and cash: 4.4% of total assets), but 58.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Sector 31
higher
← fewer bankruptcies
more bankruptcies →
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
41.7%
Return on assets
3.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-01-2026, 117 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
117 d early
2024
105 d early
2023
123 d early
2022
124 d early
2021
122 d early
2020
93 d early
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€928k▼ 3.3%
2024 · €959k
2018: €511k
2019: €511k
2020: €533k
2021: €589k
2022: €600k
2023: €743k
2024: €959k
2018 → 2025
Total assets
€2.23M▲ 58.9%
2024 · €1.40M
2018: €955k
2019: €959k
2020: €986k
2021: €985k
2022: €993k
2023: €1.24M
2024: €1.40M
2018 → 2025
Net result
€69k▼ 78.2%
2024 · €316k
2018: €152k
2019: €101k
2020: €22k
2021: €56k
2022: €111k
2023: €243k
2024: €316k
2018 → 2025
Working capital
€591k▼ 14.5%
2024 · €691k
2018: €437k
2019: €417k
2020: €395k
2021: €451k
2022: €425k
2023: €422k
2024: €691k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€589k-€600k▲ 1.9%€743k▲ 23.9%€959k▲ 29.1%€928k▼ 3.3%
Operating result€72k-€157k▲ 118%€359k▲ 129%€470k▲ 31.0%€117k▼ 75.0%
Net result€56k-€111k▲ 100%€243k▲ 118%€316k▲ 30.0%€69k▼ 78.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.23M
Fixed assets
€1.30M▲ 157%
Current assets
€927k▲ 3.4%
Equity and liabilities €2.23M
Equity
€928k▼ 3.3%
Debt
€1.30M▲ 193%
The debt ratio rises from 31.6% to 58.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€369k▼
2024 · €627k
Cash flow
€320k▼
2024 · €473k
Solvency
41.7%▼
2024 · 68.4%
Current ratio
2.76▼
2024 · 4.37
Quick ratio
1.80▼
2024 · 3.40
Debt / equity
1.40▲
2024 · 0.46
ROE
7.4%▼
2024 · 33.0%
ROA
3.1%▼
2024 · 22.5%
Interest coverage
10.92▼
2024 · 18.57
Debt
€1.30M▲
2024 · €443k
Debt ≤ 1 year
€336k▲
2024 · €205k
Debt > 1 year
€964k▲
2024 · €236k
Income taxes
€31k▼
2024 · €141k
Staff costs
€677k▲
2024 · €664k
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€1.40M€2.23M▲
Fixed assets21/28€506k€1.30M▲
Intangible fixed assets21€6k€5k▼
Tangible fixed assets22/27€500k€1.30M▲
Land and buildings22-€911k
Plant, machinery and equipment23€412k€290k▼
Furniture and vehicles24€85k€92k▲
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€239€489▲
Current assets29/58€896k€927k▲
Stocks and contracts in progress3€199k€324k▲
Stocks30/36€199k€324k▲
Amounts receivable within one year40/41€126k€94k▼
Trade receivables40€126k€73k▼
Other amounts receivable41-€21k
Current investments50/53€200k€400k▲
Cash at bank and in hand54/58€355k€98k▼
Deferred charges and accrued income490/1€16k€10k▼
Equity and liabilities
Total equity and liabilities10/49€1.40M€2.23M▲
Equity10/15€959k€928k▼
Contributions10/11€75k€75k=
Reserves13€845k€813k▼
Distributable reserves133€845k€813k▼
Profit (loss) carried forward14€40k€40k=
Amounts payable17/49€443k€1.30M▲
Amounts payable after more than one year17€236k€964k▲
Financial debts170/4€236k€964k▲
Amounts payable within one year42/48€205k€336k▲
Current portion of amounts payable after more than one year42€79k€131k▲
Trade debts44€27k€21k▼
Suppliers440/4€27k€21k▼
Taxes, remuneration and social security45€100k€83k▼
Taxes450/3€57k€6k▼
Remuneration and social security454/9€43k€77k▲
Other amounts payable47/48-€100k
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Non-recurring operating income76A€20k-
Remuneration, social security and pensions62€664k€677k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€157k€252k▲
Other operating charges640/8€9k€10k▲
Gross operating margin9900€1.30M€1.06M▼
Operating profit (loss)9901€470k€117k▼
Financial income75/76B€21k€16k▼
Recurring financial income75€21k€16k▼
Financial charges65/66B€34k€34k=
Recurring financial charges65€34k€34k=
Profit (loss) for the period before taxes9903€457k€100k▼
Income taxes67/77€141k€31k▼
Profit (loss) for the period9904€316k€69k▼
Profit (loss) for the period to be appropriated9905€316k€69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€355k€109k▼
Profit (loss) brought forward from the previous period14P€39k€40k▲
Transfer from equity791/2€100k€100k=
Transfer to equity691/2€315k€69k▼
To other reserves6921€315k€69k▼
Profit to be distributed694/7€100k€100k=
Return on contributions (dividend)694€100k€100k=
Social balance
Average headcount (FTE)90879.710.1▲
The notes to these accounts (18 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
03-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €316k ▲30%
Operating result €470k, net result €316k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 4.37
Current ratio from 2.05 to 4.37; short-term debt falls from €402k to €205k.
2023
29-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
27-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
29-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €22k ▼78.6%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
28-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
23-12
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
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, Temse · 1 establishment unit since 1995
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.
Kapelanielaan 14B9140 TemseGround area
1.2 ha
Building footprint
5,631 m²
Volume, LiDAR
33,123 m³
2 parcels, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOBELLE DESIGN
since 19952.073.135.765
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0236/04C000 | Flanders | 1.0 ha | 1 · 3,689 m² | 9.0 m · 2 fl. |
| 46025B0239/02C000 | Flanders | 2,319 m² | 1 · 1,941 m² | 5.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 7 entries · 115,696 EUR awarded · 115,927 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 7,500 EUR | 7,500 EUR |
| 2024 | 2 | 12,177 EUR | 12,177 EUR |
| 2023 | 2 | 72,563 EUR | 72,803 EUR |
| 2022 | 2 | 23,456 EUR | 23,447 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
3 live approvals · 2 endedBinnenschrijnwerk en interieur duaal (so)
Interieurbouwer duaal (so)
Operator CNC-gestuurde houtbewerkingsmachines duaal (so)
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DRAFAB
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Of 619 companies in sector 31002 we hold annual accounts for 349. 235 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-1995
Fiscal year end30-09
Activities, NACEBEL
31002Manufacture of furniture
31004Manufacture of dining room, living room, bedroom and bathroom furniture
36130
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.