LOBRI-PLAF
ActiveThe computed 12-month bankruptcy probability of LOBRI-PLAF is 1.8% (moderate). The 2024 annual accounts show equity of €64k and a net result of €9k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 35% of 36373 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+5
Solvency58▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.37 in 2023; short-term debt: 41.2% and cash: 16.4% of total assets), and 66.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
33.3%
Return on assets
4.6%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €64k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-10-2025, 63 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
63 d late
2023
50 d late
2022
31 d late
2021
36 d late
2020
19 d late
2019
56 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€64k▲ 16.2%
2023 · €55k
2018: €51k
2019: €50k
2020: €50k
2021: €50k
2022: €53k
2023: €55k
2018 → 2024
Total assets
€192k▼ 10.6%
2023 · €214k
2018: €133k
2019: €159k
2020: €142k
2021: €167k
2022: €135k
2023: €214k
2018 → 2024
Net result
€9k▲ 270%
2023 · €2k
2018: €8k
2019: €-665
2020: €171
2021: €-247
2022: €2k
2023: €2k
2018 → 2024
Working capital
€32k▼ 32.8%
2023 · €48k
2018: €27k
2019: €2k
2020: €17k
2021: €31k
2022: €64k
2023: €48k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€50k-€50k▼ 0.5%€53k▲ 4.7%€55k▲ 4.6%€64k▲ 16.2%
Operating result€5k-€4k▼ 18.9%€7k▲ 59.8%€8k▲ 15.3%€17k▲ 115%
Net result€171-€-247€2k€2k▲ 2.9%€9k▲ 270%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 115% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €192k
Fixed assets
€80k▲ 118%
Current assets
€111k▼ 37.3%
Equity and liabilities €192k
Equity
€64k▲ 16.2%
Debt
€128k▼ 19.8%
The debt ratio falls from 74.4% to 66.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36k▲
2023 · €30k
Cash flow
€28k▲
2023 · €24k
Solvency
33.3%▲
2023 · 25.6%
Current ratio
1.41▲
2023 · 1.37
Quick ratio
1.41▲
2023 · 1.37
Debt / equity
2.00▼
2023 · 2.90
ROE
13.9%▲
2023 · 4.4%
ROA
4.6%▲
2023 · 1.1%
Interest coverage
6.44▼
2023 · 12.92
Debt
€128k▼
2023 · €159k
Debt ≤ 1 year
€79k▼
2023 · €129k
Debt > 1 year
€49k▲
2023 · €30k
Income taxes
€3k▼
2023 · €4k
Staff costs
€22k▲
2023 · €22k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€214k€192k▼
Fixed assets21/28€37k€80k▲
Tangible fixed assets22/27€37k€80k▲
Plant, machinery and equipment23-€429
Furniture and vehicles24€37k€80k▲
Financial fixed assets28€150€150=
Current assets29/58€177k€111k▼
Amounts receivable within one year40/41€87k€77k▼
Trade receivables40€70k€60k▼
Other amounts receivable41€18k€17k▼
Cash at bank and in hand54/58€88k€31k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€214k€192k▼
Equity10/15€55k€64k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€47k€56k▲
Amounts payable17/49€159k€128k▼
Amounts payable after more than one year17€30k€49k▲
Financial debts170/4€30k€49k▲
Amounts payable within one year42/48€129k€79k▼
Current portion of amounts payable after more than one year42€13k€21k▲
Trade debts44€100k€45k▼
Suppliers440/4€100k€45k▼
Taxes, remuneration and social security45€16k€13k▼
Taxes450/3€15k€11k▼
Remuneration and social security454/9€2k€2k▲
Income statement
Code20232024
Non-recurring operating income76A-€5k
Remuneration, social security and pensions62€22k€22k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€20k▼
Other operating charges640/8€3k€6k▲
Gross operating margin9900€54k€64k▲
Operating profit (loss)9901€8k€17k▲
Financial income75/76B€590€805▲
Recurring financial income75€590€805▲
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€6k€12k▲
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€2k€9k▲
Profit (loss) for the period to be appropriated9905€2k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€56k▲
Profit (loss) brought forward from the previous period14P€44k€47k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 63 days late
2024
31-12
Financial
Highest result since 2018net €9k ▲270%
Operating result €17k, net result €9k, both a record.
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
05-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 36 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Back to profitnet €171
Net result €171 after one loss-making year.
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
31-12
Financial
Weakest financial yearnet €-665 ▼109%
Net result drops to €-665, the lowest in the series; recovery starts the following year.
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 63 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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-Agatha-Berchem · 1 establishment unit since 2012
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.
Herderinlaan 51082 Sint-Agatha-BerchemGround area
167 m²
Building footprint
161 m²
Volume, LiDAR
1,936 m³
Parcel 21342B0176/00Z015, Brussels · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Herderinlaan 5, 1082 Sint-Agatha-Berchem
since 20122.206.430.690
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0176/00Z015 | Brussels | 167 m² | 1 · 161 m² | 16.4 m · 4 fl. |
Linked by address, not proof of ownership
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.
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Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,579 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2012
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
43350Other building finishing work
43130Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43342Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.