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Generated 26-07-2026
Active BE 0440.225.491Public limited company

LOBO

Heidestraat 38 ·1755 Pajottegem, Belgium· 36 yrs active
Sector: Head offices & management consulting (70200)
Conclusion Checked

The computed 12-month bankruptcy probability of LOBO is 0.1% (very low). The 2024 annual accounts show equity of €675k and a net result of €-1.08M. Equity is shrinking by ~12% per year across the filed fiscal years. Its solvency ranks better than 10% of 1390 sector peers (fiscal year 2024). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €675k
Net result €-1.08M
Better than sector 10%
Active 36 yrs
Snowflake analysis 5 axes · computed by Checked
Health32Profitability0Solvency34Growth32Stability100
40 / 100

Fragile profile, watch profitability in particular.

Health 32
Profitability 0
Solvency 34
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Long track record −Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1990, 36 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
32 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 09-07-2025 with the NBB · fiscal year 2024 · verkort
€-1.50M€-1.00M€-500k€0Operating result 2020: €-44k€-44kNet result 2020: €-1.09M€-1.09MOperating result 2021: €-54k€-54kNet result 2021: €220k€220kOperating result 2022: €-111k€-111kNet result 2022: €-69k€-69kOperating result 2023: €-100k€-100kNet result 2023: €-350k€-350kOperating result 2024: €-118k€-118kNet result 2024: €-1.08M€-1.08M20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~12%/year over 7 fiscal years, indicative, assuming unchanged policy.
€0€1.00M€2.00M€3.00M2025: €1.31M (€799k - €1.81M)2026: €1.15M (€339k - €1.96M)2027: €1.01M (€0 - €2.12M)2018: €2.40M2019: €3.09M2020: €1.96M2021: €2.18M2022: €2.11M2023: €1.76M2024: €675k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 1.6% 43.7%
better than 10% of 1390 sector peers
Net result €-1.08M €41k
better than 5% of 1391 sector peers
Equity €675k €163k
better than 76% of 1391 sector peers
Gross operating margin €-438 €72k
better than 13% of 1390 sector peers
Total assets €42.41M €606k
better than 95% of 1390 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-52k
-52.8% far below sector median
Net profit
€-1.08M
-209.7% far below sector median
Cash flow
€-1.02M
-258.2% far below sector median
Total assets
€42.41M
+20.2% far above sector median
Equity
€675k
-61.6% far above sector median
Working capital
€39.60M
+23.4% far above sector median
Income taxes
€2k
-6.4% -86% vs sector
Debt
€35.34M
+31.1% far above sector median
Debt ≤ 1y
€13k
-41.7% -72% vs sector
Debt > 1y
€13.32M
+6.7% far above sector median
Current ratio
2950.35
+111.6% far above sector median
Quick ratio
2950.35
+111.6% far above sector median
Solvency
1.6%
-68.1% -97% vs sector
Debt / equity
52.37
+241.5% far above sector median
ROE
-160.4%
-706.6% far below sector median
ROA
-2.6%
-157.7% far below sector median
Interest coverage
-0.04
-2.5% far below sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€-52k
Net profit€-1.08M
Cash flow€-1.02M
Staff costs-
Income taxes€2k
Dividends-
Total assets€42.41M
Equity€675k
Debt€35.34M
of which ≤ 1y€13k
of which > 1y€13.32M
Working capital€39.60M
Employees (FTE)-
Ratios (computed)
2024
Current ratio2950.35
Quick ratio2950.35
Working capital ratio93.4%
Solvency1.6%
Debt / equity52.37
Long-term debt ratio19.74
Interest coverage-0.04
Gross margin-
Net margin-
ROA-2.6%
ROE-160.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€42.41M
Fixed assets 21/28€2.80M
Tangible fixed assets 22/27€1.24M
Financial fixed assets 28€1.56M
Current assets 29/58€39.62M
Amounts receivable within one year 40/41€72k
Investments 50/53€39.38M
Cash & bank 54/58€153k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€42.41M
Equity 10/15€675k
Contributions / capital 10/11€500k
Reserves 13€50k
Accumulated profits (losses) 14€125k
Provisions & deferred taxes 16€6.40M
Amounts payable 17/49€35.34M
Amounts payable after one year 17€13.32M
Amounts payable within one year 42/48€13k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€-438
Operating result 9901€-118k
Financial income 75€793k
Financial charges 65€1.41M
Result before taxes 9903€-1.08M
Income taxes 67/77€2k
Net result for the period 9904€-1.08M
Result to be appropriated 9905€-1.08M
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Head offices & management consulting(70200)
Legal form Public limited company(014)
Incorporation20-02-1990
StatusActive
Postal code1755
Establishment units 1 location
LOBO
Heidestraat 38, 1755 PajottegemVerhuur van woningen, exclusief sociale woningen
since 19902.048.780.649
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23040A0080/00G000 Flanders 1.3 ha 1 · 312 m² 8.9 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
09-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
10-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
17-11-2023
State Gazette act Director changes
31-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
31-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
25-06-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
21-09-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
22-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
19-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
06-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
27-09-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2023
17-11-2023 5 reappointed Director changes
  • Beckers Lode, Bestuurder
  • Marmillion Monique, Bestuurder
  • Vereycken Luc, Bestuurder
  • Beckers Lode, Gedelegeerd bestuurder
  • Beckers Lode, Voorzitter
Technical details 
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Vermogensbeheer66300Vermogensbeheer66300Beheer van residentieel onroerend goed voor een vast bedrag of op contractbasis68321Activiteiten van syndici van onroerend goed68321
Primary activity highlighted.
Names & trade names
Legal nameNL LOBO
Registered office
Heidestraat 38
1755 Pajottegem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative