Equity
€167,853 ▲ 37.3%
LOBOR has made a profit in every financial year since 2019.
LOBOR
Lifetime
7 annual accounts with figures on one time axispeak €81,857 (2019)
€61,230▼ 2.7%
peak €62,376 (2019)
€45,577▼ 2.4%
peak €167,853 (2025)
€167,853▲ 37.3%
€18,672▼ 74.7%
Board1 name since 2018
1 directorSchelfhout Jef
Documentsfilings and deeds
27-07-20264 days before the deadline
2025micro format
Equity from €122,276 to €167,853Debts from €73,827 to €18,672Cash from €36,581 to €97,107
Key points
from the 2025 annual accountsChecked score
95
Excellent
Financially stronger than 89% of micro companies in fabricated metal products (NACE 25)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.5% across 3,710 companies (NACE 25, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.4%▲ +0.3 percentage points vs 07-2025highest value
09-2025: 0.4%● unchanged vs 08-2025highest value
10-2025: 0.4%● unchanged vs 09-2025highest value
11-2025: 0.3%▼ -0.1 percentage points vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.4%▲ +0.1 percentage points vs 03-2026
05-2026: 0.3%▼ -0.1 percentage points vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.1%▼ -0.2 percentage points vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.2%▲ +0.1 percentage points vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Liquidity: current ratio 9.48, cash €97,107
Equity €167,853 (90.0% of total assets)
Figures for financial year 2025 (filed on 27-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 25, micro). It does better than 90% of them on solvency, 96% on liquidity, 88% on profitability and 82% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as LOBOR has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of LOBOR itself is lower: 0.2% within 12 months. It rests on far more data about LOBOR than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for LOBOR. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €15,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 9.48 (2.54 in 2024), above the usual 1.5. Short-term debt is 10% and cash 52.1% of total assets. 10% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 27-07-2026, 4 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
4 days early
2024
7 days early
2023
47 days early
2022
53 days early
2021
34 days early
2020
57 days early
2019
44 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 35 days before the deadline. In the sector (NACE 25), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Lokeren to Puurs-Sint-Amands
New registered office: Dendermondsesteenweg 211, 2870 Puurs-Sint-Amands · Previous registered office: Moortelstraat 22, 9160 Lokeren · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0691876155
Registered office moved within Lokeren
New registered office: Moortelstraat 22-9160 Lokeren · Previous registered office: Moortelstraat 20-9160 Lokeren · General meeting of 23-03-2022 · Gazette deed
Change of role: Schelfhout Jef, from manager to director
Director discharge: Schelfhout Jef · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 04-03-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LOBOR Puurs-Sint-Amands | €186,525 | €61,230 | 90.0% | - |
| CNC SOLUTIONS Stabroek | €196,495 | €51,383 | 76.2% | - |
| D&N Groep Genk | €189,540 | €57,701 | -88.4% | - |
| TRISBAT INDUSTRIAL SERVICES Tielt | €221,440 | €58,837 | 55.4% | - |
| VANGENEUGDEN PROJECTS Genk | €174,230 | €72,526 | 56.0% | - |
| Weld Service Duffel | €143,618 | €35,465 | 59.3% | - |
| Serdico Herentals | €249,523 | €105,677 | 53.1% | - |
These companies have the same main activity as LOBOR: manufacture of metal structures and parts of structures (NACE 25110). They are comparable in size and age: total assets between €144,000 and €250,000, founded between 2017 and 2019.
Official details
Source: KBO- Status
- Active since 09-03-2018Normal situation
- Activity
- Manufacture of metal structures and parts of structuresNACE 25110and 4 others
- Establishment unit
- 2.274.736.8052870 Puurs-Sint-Amands, since 09-03-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 30-12-2025
Annual accounts 2025
- ≈ €180,000estimated
- €186,525▼ 4.9%
- Filing
- Filed on 27-07-2026, 4 days before the end of the filing period
Insights on LOBOR
LOBOR files the micro format. That format states no turnover. The gross margin fell from €81,857 in 2019 to €61,230 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LOBOR
- What is the company number of LOBOR?
- The company number of LOBOR is 0691.876.155. The VAT number is the same number with BE in front: BE 0691.876.155.
- Where is LOBOR based?
- The registered office is at Dendermondsesteenweg 211, 2870 Puurs-Sint-Amands.Company details
- What does LOBOR do?
- According to the KBO register, the main activity is manufacture of metal structures and parts of structures (NACE 25110).
- What is the legal form of LOBOR?
- LOBOR is a private limited company (BV).
- When was LOBOR founded?
- LOBOR was founded on 09-03-2018.
- Is LOBOR still active?
- Yes, LOBOR is an active enterprise in the KBO register.
- What is the turnover of LOBOR?
- The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €61,230 and 2,667 comparable companies of the same size. It probably lies between €120,000 and €320,000. It is a rough estimate.Financials
- Is LOBOR profitable?
- In financial year 2025, LOBOR made a profit of €45,577.
- Where can I find the annual accounts of LOBOR?
- LOBOR filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LOBOR due?
- LOBOR must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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