Skip to content

LOCABLE

Active
Public limited companyfounded 198937 yrs activeRue Didi 15, 6060 Charleroi, BelgiumKBO/BCE: BE 0436.505.344
Summary

LOCABLE has been active since 1989 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show negative equity (-€2,970) and a net result of €5,122. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 0.8% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability89▼-6
Solvency16▲+16
Growth56▼-2
Track record92
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.51 against 0.18 in 2024; short-term debt: 109.3% and cash: 3.8% of total assets), and equity is negative.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 37 years 0 40 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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 2025
Solvency, return and age of the figures
Solvency
-9.3%
Return on assets
16.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 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 filings
Deviation from the deadline
2025
38 d late
2024
29 d late
2023
16 d late
2021
191 d late
2020
556 d late
2019
950 d late
2018
1316 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 442 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
Strikeout withdrawn
Checked, nothing found (1)
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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline

History

On 12 January 1989, LOCABLE was incorporated.1 Revenue went from EUR 9,600 in 2021 to EUR 12,000 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, abbreviated schema

Turnover
€12,000=
2024 · €12,000
EBIT margin
42.7%▲ 2.6pp
2024 · 40.1%
Net result
€5,122▲ 3.5%
2024 · €4,947
Working capital
-€17,149▲ 34.8%
2024 · -€26,289
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202320242025
Turnover€9,600€12,000-€12,000=€12,000=
Operating result-€13,485▼ 11.9%€3,482-€4,962-€4,809€5,122▲ 6.5%
Net result-€14,549▼ 8.6%€2,457-€10,777-€4,947€5,122▲ 3.5%
EBIT margin36.3%-41.3%-40.1%▲ 81.4pp42.7%▲ 2.6pp
Equity-€4,148-€1,690▲ 59.2%-€13,039--€8,092▲ 37.9%-€2,970▲ 63.3%
Total assets€34,269▼ 22.3%€30,251▼ 11.7%€23,532-€23,944▲ 1.7%€31,860▲ 33.1%
Debt€38,417▲ 13.9%€31,942▼ 16.9%€36,571-€32,035▼ 12.4%€34,830▲ 8.7%
Working capital-€35,254--€26,289▲ 25.4%-€17,149▲ 34.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€15,000-€10,000-€5,000€0€5,000Operating result 2020: -€13,485-€13,485Net result 2020: -€14,549-€14,549Operating result 2021: €3,482€3,482Net result 2021: €2,457€2,457Operating result 2023: -€4,962-€4,962Net result 2023: -€10,777-€10,777Operating result 2024: €4,809€4,809Net result 2024: €4,947€4,947Operating result 2025: €5,122€5,122Net result 2025: €5,122€5,12220202021202320242025-€15,000-€10,000-€5,000€0€5,000Operating result 2023: -€4,962-€4,960Net result 2023: -€10,777-€10,800Operating result 2024: €4,809€4,810Net result 2024: €4,947€4,950Operating result 2025: €5,122€5,120Net result 2025: €5,122€5,120202320242025
The operating result has risen two years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31,860
Fixed assets €14,180 ▼ 22.1%
Current assets €17,681 ▲ 208%
Key figures and ratios
2025 value · change against 2024
EBITDA
€9,140▲
2024 · €8,827
Cash flow
€9,140▲
2024 · €8,965
Solvency
-9.3%▲
2024 · -33.8%
Current ratio
0.51▲
2024 · 0.18
Debt to equity
-11.73▼
2024 · -3.96
ROA
16.1%▼
2024 · 20.7%
Debt ≤ 1 year
€34,830▲
2024 · €32,035
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,798 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 91% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a profit of 5% of the balance sheet or more
2.5% went bankrupt
5.3% stopped otherwise
91% still going

A further 0.8% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 3,798 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet Code20242025
Assets
Total assets20/58€23,944€31,860▲
Fixed assets21/28€18,197€14,180▼
Tangible fixed assets22/27€18,197€14,180▼
Land and buildings22€18,197€14,180▼
Current assets29/58€5,746€17,681▲
Amounts receivable within one year40/41€4,546€16,481▲
Other amounts receivable41€4,546€16,481▲
Cash at bank and in hand54/58€1,200€1,200=
Equity and liabilities
Total equity and liabilities10/49€23,944€31,860▲
Equity10/15-€8,092-€2,970▲
Contributions10/11€285,078€285,078=
Capital10€285,078€285,078=
Issued capital100€285,078€285,078=
Reserves13€4,800€4,800=
Distributable reserves133€4,800€4,800=
Profit (loss) carried forward14-€297,969-€292,847▲
Amounts payable17/49€32,035€34,830▲
Amounts payable within one year42/48€32,035€34,830▲
Trade debts44€32,035€34,830▲
Suppliers440/4€32,035€34,830▲
Income statement Code20242025
Turnover70€12,000€12,000=
Goods, raw materials, services and sundry goods60/61-€66
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,018€4,018=
Other operating charges640/8€2,782€2,795▲
Gross operating margin9900€11,610€11,934▲
Operating profit (loss)9901€4,809€5,122▲
Financial income75/76B€138-
Recurring financial income75€138-
Profit (loss) for the period before taxes9903€4,947€5,122▲
Profit (loss) for the period9904€4,947€5,122▲
Profit (loss) for the period to be appropriated9905€4,947€5,122▲
Appropriation of the result
Profit (loss) to be appropriated9906-€297,969-€292,847▲
Profit (loss) brought forward from the previous period14P-€302,916-€297,969▲

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202320242025Change
Turnover70-€9,600€12,000€12,000€12,000=
Goods, raw materials, services and sundry goods60/61€1,536---€66-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,849€4,018€4,018€4,018€4,018=
Other operating charges640/8€2,100€2,100€2,681€2,782€2,795▲ 0.4%
Gross operating margin9900-€1,536€9,600€1,737€11,610€11,934▲ 2.8%
Operating profit (loss)9901-€13,485€3,482-€4,962€4,809€5,122▲ 6.5%
Financial income75/76B---€138--
Recurring financial income75---€138--
Financial charges65/66B€1,064€1,025€5,815---
Recurring financial charges65€1,064€1,025€5,815---
Profit (loss) for the period before taxes9903-€14,549€2,457-€10,777€4,947€5,122▲ 3.5%
Profit (loss) for the period9904-€14,549€2,457-€10,777€4,947€5,122▲ 3.5%
Transfer to tax-exempt reserves689-€4,800----
Profit (loss) for the period to be appropriated9905-€14,549-€2,343-€10,777€4,947€5,122▲ 3.5%
Line20202021202320242025Change
Assets
Total assets20/58€34,269€30,251€23,532€23,944€31,860▲ 33.1%
Fixed assets21/28€34,269€30,251€22,215€18,197€14,180▼ 22.1%
Tangible fixed assets22/27€34,269€30,251€22,215€18,197€14,180▼ 22.1%
Land and buildings22€34,269€30,251€22,215€18,197€14,180▼ 22.1%
Current assets29/58--€1,317€5,746€17,681▲ 208%
Amounts receivable within one year40/41---€4,546€16,481▲ 262%
Other amounts receivable41---€4,546€16,481▲ 262%
Cash at bank and in hand54/58--€1,317€1,200€1,200=
Equity and liabilities
Total equity and liabilities10/49€34,269€30,251€23,532€23,944€31,860▲ 33.1%
Equity10/15-€4,148-€1,690-€13,039-€8,092-€2,970▲ 63.3%
Contributions10/11€285,078€285,078€285,078€285,078€285,078=
Capital10€285,078€285,078€285,078€285,078€285,078=
Issued capital100€285,078€285,078€285,078€285,078€285,078=
Reserves13-€4,800€4,800€4,800€4,800=
Distributable reserves133-€4,800€4,800€4,800€4,800=
Profit (loss) carried forward14-€289,225-€291,568-€302,916-€297,969-€292,847▲ 1.7%
Amounts payable17/49€38,417€31,942€36,571€32,035€34,830▲ 8.7%
Amounts payable within one year42/48€38,417€31,942€36,571€32,035€34,830▲ 8.7%
Financial debts43€6,684€7,708€7,708---
Credit institutions430/8€6,684€7,708€7,708---
Trade debts44€7,860€9,960€28,863€32,035€34,830▲ 8.7%
Suppliers440/4€7,860€9,960€28,863€32,035€34,830▲ 8.7%
Other amounts payable47/48€23,873€14,273----
Line20202021202320242025Change
Profit (loss) for the period9904-€14,549€2,457-€10,777€4,947€5,122▲ 3.5%
+ Depreciation and write-downs630€9,849€4,018€4,018€4,018€4,018=
Operating cash flow (approximation)-€4,699€6,475-€6,759€8,965€9,140▲ 1.9%
Investment in fixed assets (approximation)-€0-€0€0-
Change in cash----€117€0▲ 100%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
07-09
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 38 days late
2025
31-12
Financial Highest result since 2018net €5,122 ▲3.5%
Operating result €5,122, net result €5,122, both a record.
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial Back to profitnet €4,947
Net result €4,947 after one loss-making year.
16-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
17-03
KBO administration Strikeout withdrawn
event 08-03-2023
08-03
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 950 days late
08-03
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 1316 days late
07-02
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 191 days late
07-02
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 556 days late
2021
31-12
Financial Back to profitnet €2,457
Net result €2,457 after 3 loss-making years.
2019
19-02
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 203 days late
2015
07-08
NBB filing Annual accounts filed
fiscal year 2014 · full schema · 7 days late
20-04
NBB filing Annual accounts filed
fiscal year 2013 · full schema · 263 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
4 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, Charleroi · 1 establishment unit since 2001
seat establishment The establishment unit on the map
Ground area
251 m²
Parcel 52026D0046/00N002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Didi 15, 6060 Charleroi
NACE 70201
since 20012.042.721.911
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52026D0046/00N002 Wallonia 251 m² - -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPublic limited company
Founded12-01-1989
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.