Active BE 0791.939.375Private limited company

LOBO

Zavelstraat 17 ·1700 Dilbeek, Belgium· 3 yrs active

Sector: Office administrative and support services (82100)

Conclusion Checked

LOBO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €221k and a net result of €102k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 77% of 7583 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€221k
Net result	€102k
Better than sector	77%
Active	3 yrs

Financial profile 5 of 5 axes measured · computed by Checked

92 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 90

Profitability 100

Solvency 100

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

0.7% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

90 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€20k

estimate, not credit advice

Score history

93 2022

100 2023

93 2024

90 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 5.78 (≥ 1.5) +10

Quick ratio Quick ratio 5.78 (≥ 1.0) +5

Leverage Debt/equity 0.27 (< 1.0) +10

Profitability ROE 46% (≥ 10%) +10

Interest coverage Interest coverage 64.1× (≥ 3×) +8

Profit trend Net profit down YoY -3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 25-08-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 82, Office administrative, office support and other business support activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	78.6%	50.9%	better than 77% of 7583 sector peers
Net result	€102k	€17k	better than 90% of 7573 sector peers
Equity	€221k	€58k	better than 80% of 7590 sector peers
Gross operating margin	€118k	€40k	better than 81% of 7568 sector peers
Total assets	€281k	€140k	better than 68% of 7588 sector peers

EBITDA

€118k

-58.9% 22-25

Net profit

€102k

-50.0% 22-25

Cash flow

€116k

-48.4% 22-25

Total assets

€281k

-54.7% 22-25

Equity

€221k

-57.9% 22-25

Working capital

€186k

-59.6% 22-25

Income taxes

€29k

-50.3% 22-25

Dividends

€405k

- 22-25

Debt

€60k

-37.1% 22-25

Debt ≤ 1y

€39k

-35.3% 22-25

Debt > 1y

€21k

-40.3% 22-25

Current ratio

5.78

-33.2% 22-25

Quick ratio

5.78

-33.2% 22-25

Solvency

78.6%

-7.1% 22-25

Debt / equity

0.27

+49.4% 22-25

ROE

46.0%

+18.9% 22-25

ROA

36.2%

+10.5% 22-25

Interest coverage

64.12

-38.0% 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-
EBITDA	€118k	€286k	€329k	€92k
Net profit	€102k	€203k	€237k	€74k
Cash flow	€116k	€224k	€255k	€75k
Staff costs	-	-	-	-
Income taxes	€29k	€59k	€73k	€17k
Dividends	€405k	-	-	-
Total assets	€281k	€620k	€439k	€104k
Equity	€221k	€524k	€321k	€84k
Debt	€60k	€96k	€118k	€19k
of which ≤ 1y	€39k	€60k	€68k	€19k
of which > 1y	€21k	€36k	€49k	-
Working capital	€186k	€460k	€272k	€57k
Employees (FTE)	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022
Current ratio	5.78	8.66	5.00	3.96
Quick ratio	5.78	8.66	5.00	3.96
Working capital ratio	66.3%	74.3%	62.1%	54.9%
Solvency	78.6%	84.6%	73.2%	81.5%
Debt / equity	0.27	0.18	0.37	0.23
Long-term debt ratio	0.10	0.07	0.15	-
Interest coverage	64.12	103.37	208.50	542.87
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	36.2%	32.7%	54.0%	71.8%
ROE	46.0%	38.7%	73.7%	88.2%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €56k · 19.9% Current assets €225k · 80.2%

Equity & liabilities

Equity €221k · 78.6% Debt €60k · 21.4%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€281k	€620k	€439k	€104k
Fixed assets	21/28	€56k	€99k	€98k	€27k
Formation expenses	20	-	-	-	€905
Tangible fixed assets	22/27	€56k	€99k	€98k	€27k
Current assets	29/58	€225k	€520k	€341k	€76k
Amounts receivable within one year	40/41	€106k	€80k	€21k	€19k
Investments	50/53	€80k	€400k	€250k	-
Cash & bank	54/58	€39k	€40k	€66k	€57k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€281k	€620k	€439k	€104k
Equity	10/15	€221k	€524k	€321k	€84k
Contributions / capital	10/11	€10k	€10k	€10k	€10k
Reserves	13	€211k	€211k	€126k	-
Accumulated profits (losses)	14	-	€304k	€185k	€74k
Amounts payable	17/49	€60k	€96k	€118k	€19k
Amounts payable after one year	17	€21k	€36k	€49k	-
Amounts payable within one year	42/48	€39k	€60k	€68k	€19k
Trade debts payable within one year	44	€1k	€999	€2k	€1k
Income statement
Gross operating margin	9900	€118k	€286k	€329k	€92k
Operating result	9901	€103k	€264k	€311k	€92k
Financial income	75	€19k	€36	€0	-
Financial charges	65	€2k	€3k	€2k	€170
Result before taxes	9903	€131k	€262k	€309k	€92k
Income taxes	67/77	€29k	€59k	€73k	€17k
Net result for the period	9904	€102k	€203k	€237k	€74k
Result to be appropriated	9905	€102k	€119k	€110k	€74k

Legal Structure

NACE primary	Office administrative and support services(82100)
Legal form	Private limited company(610)
Incorporation	05-10-2022
Status	Active
Postal code	1700

Establishment units 1 location

LOBO

Zavelstraat 17, 1700 DilbeekRetail trade

since 20222.336.635.572

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23079B0126/00F000	Flanders	904 m²	1 · 149 m²	7.5 m

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 4 events

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

25-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 25 days late

2025

03-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Equity above €500kEq €524k ▲63.2%

3 profitable years in a row build equity to €524k.

24-05

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2022net €237k ▲218%

Operating result €311k, net result €237k, both a record.

31-12

Financial Equity above €200kEq €321k ▲280%

2 profitable years in a row build equity to €321k.

01-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 1 acts read

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.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Office administrative and support services82100Office administrative, office support and other business support activities82110Arts creation and performing arts activities90031Literary creation90111

Names & trade names

Legal nameNL

LOBO

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