LoCal Syndic
ActiveLoCal Syndic has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €82k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 14038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency43▼-57
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 43.09 in 2024; short-term debt: 81.5% and cash: 79% of total assets), and 81.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.5%
Return on assets
74.3%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
1 d early
2019
68 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▼ 93.2%
2024 · €303k
2019: €80k
2020: €144k
2021: €205k
2022: €279k
2023: €349k
2024: €303k
2019 → 2025
Total assets
€111k▼ 64.2%
2024 · €310k
2019: €96k
2020: €164k
2021: €226k
2022: €294k
2023: €358k
2024: €310k
2019 → 2025
Net result
€82k▲ 5.3%
2024 · €78k
2019: €83k
2020: €80k
2021: €78k
2022: €75k
2023: €70k
2024: €78k
2019 → 2025
Working capital
€8k▼ 97.3%
2024 · €294k
2019: €80k
2020: €143k
2021: €204k
2022: €274k
2023: €339k
2024: €294k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€205k-€279k▲ 36.3%€349k▲ 24.7%€303k▼ 13.2%€20k▼ 93.2%
Operating result€95k-€98k▲ 2.9%€91k▼ 6.9%€101k▲ 10.3%€106k▲ 5.3%
Net result€78k-€75k▼ 2.9%€70k▼ 7.1%€78k▲ 11.7%€82k▲ 5.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€13k▲ 41.4%
Current assets
€98k▼ 67.3%
Equity and liabilities €111k
Equity
€20k▼ 93.2%
Debt
€90k▲ 1,196%
The debt ratio rises from 2.3% to 81.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€108k▲
2024 · €102k
Cash flow
€85k▲
2024 · €80k
Solvency
18.5%▼
2024 · 97.7%
Current ratio
1.09▼
2024 · 43.09
Quick ratio
1.09▼
2024 · 43.09
Debt / equity
4.42▲
2024 · 0.02
ROE
402.3%▲
2024 · 25.8%
ROA
74.3%▲
2024 · 25.2%
Interest coverage
45.06▲
2024 · 37.57
Debt
€90k▲
2024 · €7k
Debt ≤ 1 year
€90k▲
2024 · €7k
Income taxes
€21k▲
2024 · €20k
Staff costs
€398▲
2024 · €386
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€310k€111k▼
Fixed assets21/28€9k€13k▲
Tangible fixed assets22/27€9k€13k▲
Plant, machinery and equipment23€6k€10k▲
Furniture and vehicles24€3k€2k▼
Current assets29/58€301k€98k▼
Amounts receivable within one year40/41€9k€8k▼
Trade receivables40€5k€6k▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€291k€88k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€310k€111k▼
Equity10/15€303k€20k▼
Contributions10/11€19k€19k=
Reserves13€284k€2k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€282k-
Amounts payable17/49€7k€90k▲
Amounts payable within one year42/48€7k€90k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Advances received on contracts in progress46-€112
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€405▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€1k€83k▲
Income statement
Code20242025
Remuneration, social security and pensions62€386€398▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€267€551▲
Gross operating margin9900€103k€109k▲
Operating profit (loss)9901€101k€106k▲
Financial income75/76B€157€58▼
Recurring financial income75€157€58▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€98k€104k▲
Income taxes67/77€20k€21k▲
Profit (loss) for the period9904€78k€82k▲
Profit (loss) for the period to be appropriated9905€78k€82k▲
Appropriation of the result
Profit (loss) to be appropriated9906€78k€82k▲
Transfer from equity791/2€129k€282k▲
Transfer to equity691/2€77k-
To other reserves6921€77k-
Profit to be distributed694/7€130k€364k▲
Return on contributions (dividend)694€130k€364k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €70k ▼7.1%
Net result drops to €70k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €205k ▲42.6%
3 profitable years in a row build equity to €205k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €144k ▲79.4%
2 profitable years in a row build equity to €144k.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aalst · 1 establishment unit since 2018
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.
Kloosterstraat 349310 AalstGround area
681 m²
Building footprint
146 m²
Volume, LiDAR
791 m³
Parcel 41042C0321/00K000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LoCal Syndic
since 20182.283.234.203
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41042C0321/00K000 | Flanders | 681 m² | 1 · 146 m² | 7.5 m · 2 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 11,749 companies in sector 68310 we hold annual accounts for 6,907. 3,944 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2018
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.