LOBJECTIF
ActiveSummary
The computed 12-month bankruptcy probability of LOBJECTIF is 3.4% (moderate). The 2025 annual accounts show equity of €9k and a net result of €7k. Equity is growing by ~33.9% per year across the filed fiscal years. Its solvency ranks better than 49% of 18400 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency58▼-42
Growth78=
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
30 d late
2024
21 d late
2022
136 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▲ 12.4%
2024 · €8k
2022: €847lowest value
2024: €8k
2025: €9k▲ +12.4% vs 2024highest value
2022 → 2025
Total assets
€28k▲ 165%
2024 · €10k
2022: €861lowest value
2024: €10k
2025: €28k▲ +165% vs 2024highest value
2022 → 2025
Net result
€7k▲ 27.5%
2024 · €5k
2022: €-653lowest value
2024: €5k
2025: €7k▲ +27.5% vs 2024highest value
2022 → 2025
Working capital
€9k▲ 12.4%
2024 · €8k
2022: €847lowest value
2024: €8k
2025: €9k▲ +12.4% vs 2024highest value
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220242025Trend
Equity€847-€8k▲ 846%€9k▲ 12.4%
2022: €847lowest value
2024: €8k
2025: €9k▲ +12.4% vs 2024highest value
Operating result€-620-€7k€9k▲ 32.4%
2022: €-620lowest value
2024: €7k
2025: €9k▲ +32.4% vs 2024highest value
Net result€-653-€5k€7k▲ 27.5%
2022: €-653lowest value
2024: €5k
2025: €7k▲ +27.5% vs 2024highest value
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €28k
Equity
€9k ▲ 12.4%
Debt
€19k ▲ 673%
Debt's share of the balance-sheet total rises from 23.0% to 67.3%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.49▼
2024 · 4.34
Debt to equity
2.06▲
2024 · 0.30
ROE
77.6%▲
2024 · 68.4%
ROA
25.4%▼
2024 · 52.7%
Debt ≤ 1 year
€19k▲
2024 · €2k
Income taxes
€332▼
2024 · €1k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€10k€28k▲
Current assets29/58€10k€28k▲
Stocks and contracts in progress3€954-
Stocks30/36€954-
Amounts receivable within one year40/41€3k€25k▲
Trade receivables40-€25k
Other amounts receivable41€3k€301▼
Cash at bank and in hand54/58€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€10k€28k▲
Equity10/15€8k€9k▲
Contributions10/11-€2k
Reserves13€2k-
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Profit (loss) carried forward14€7k€8k▲
Amounts payable17/49€2k€19k▲
Amounts payable within one year42/48€2k€19k▲
Trade debts44€541€11k▲
Suppliers440/4€541€11k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48-€6k
Income statement
Code20242025
Other operating charges640/8€197€222▲
Gross operating margin9900€7k€9k▲
Operating profit (loss)9901€7k€9k▲
Financial income75/76B€176-
Recurring financial income75€176-
Financial charges65/66B€155€2k▲
Recurring financial charges65€155€2k▲
Profit (loss) for the period before taxes9903€7k€7k▲
Income taxes67/77€1k€332▼
Profit (loss) for the period9904€5k€7k▲
Profit (loss) for the period to be appropriated9905€5k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€14k▲
Profit (loss) brought forward from the previous period14P€1k€7k▲
Profit to be distributed694/7-€6k
Directors or managers695-€6k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Other operating charges640/8 | €185 | €197 | €222 | ▲ 12.4% |
| Gross operating margin9900 | €-434 | €7k | €9k | ▲ 31.9% |
| Operating profit (loss)9901 | €-620 | €7k | €9k | ▲ 32.4% |
| Financial income75/76B | - | €176 | - | - |
| Recurring financial income75 | - | €176 | - | - |
| Financial charges65/66B | €33 | €155 | €2k | ▲ 1,016% |
| Recurring financial charges65 | €33 | €155 | €2k | ▲ 1,016% |
| Profit (loss) for the period before taxes9903 | €-653 | €7k | €7k | ▲ 6.9% |
| Income taxes67/77 | - | €1k | €332 | ▼ 75.8% |
| Profit (loss) for the period9904 | €-653 | €5k | €7k | ▲ 27.5% |
| Profit (loss) for the period to be appropriated9905 | €-653 | €5k | €7k | ▲ 27.5% |
| Line | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €861 | €10k | €28k | ▲ 165% |
| Current assets29/58 | €861 | €10k | €28k | ▲ 165% |
| Stocks and contracts in progress3 | - | €954 | - | - |
| Stocks30/36 | - | €954 | - | - |
| Amounts receivable within one year40/41 | €854 | €3k | €25k | ▲ 749% |
| Trade receivables40 | - | - | €25k | - |
| Other amounts receivable41 | €854 | €3k | €301 | ▼ 89.9% |
| Cash at bank and in hand54/58 | €6 | €6k | €2k | ▼ 62.7% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €861 | €10k | €28k | ▲ 165% |
| Equity10/15 | €847 | €8k | €9k | ▲ 12.4% |
| Contributions10/11 | €2k | - | €2k | - |
| Reserves13 | - | €2k | - | - |
| Non-distributable reserves130/1 | - | €2k | - | - |
| Reserves not available under the articles1311 | - | €2k | - | - |
| Profit (loss) carried forward14 | €-653 | €7k | €8k | ▲ 15.3% |
| Amounts payable17/49 | €14 | €2k | €19k | ▲ 673% |
| Amounts payable within one year42/48 | €14 | €2k | €19k | ▲ 673% |
| Financial debts43 | €6 | - | - | - |
| Credit institutions430/8 | €6 | - | - | - |
| Trade debts44 | €8 | €541 | €11k | ▲ 1,861% |
| Suppliers440/4 | €8 | €541 | €11k | ▲ 1,861% |
| Taxes, remuneration and social security45 | - | €2k | €2k | ▲ 5.4% |
| Taxes450/3 | - | €2k | €2k | ▲ 5.4% |
| Other amounts payable47/48 | - | - | €6k | - |
| Line | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €-653 | €5k | €7k | ▲ 27.5% |
| Operating cash flow (approximation) | €-653 | €5k | €7k | ▲ 27.5% |
| Change in cash | - | - | €-4k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2022net €7k ▲27.5%
Operating result €9k, net result €7k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
2023
14-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 136 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2026
Ground area
442 m²
Building footprint
119 m²
Volume, LiDAR
2,142 m³
2 parcels, Brussels, Wallonia · tallest building 22.2 m, ±7 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
LOBJECTIF
since 20262.390.643.192
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52050A0537/00A002 | Wallonia | 342 m² | 1 · 18 m² | 10.6 m · 3 fl. |
| 21562A0464/00V007 | Brussels | 101 m² | 1 · 101 m² | 22.2 m · 7 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.390.643.192
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 3,338 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47242Retail sale of chocolate and confectionery
47251Retail sale of wines and spirits
47260Retail trade
47621Retail sale of newspapers and periodicals
92000Gambling and betting activities
Scores and ratios are computed by Checked and are not a credit decision.