LOCALISY
ActiveLOCALISY has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €215k and a net result of €170k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 26% of 4149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
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 = 2024
Profitability84▼-5
Solvency41▼-4
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.27 in 2024; short-term debt: 59.7% and cash: 12.1% of total assets), and 84.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
15.7%
Return on assets
12.4%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
6 d early
2023
5 d early
2022
1 d late
2021
33 d early
2020
39 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€170k▼ 30.3%
2024 · €244k
2018: €86k
2019: €20k
2020: €84k
2021: €149k
2022: €237k
2023: €322k
2024: €244k
2018 → 2025
Working capital
€60k▼ 71.8%
2024 · €212k
2018: €331k
2019: €312k
2020: €548k
2021: €583k
2022: €505k
2023: €239k
2024: €212k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€484k-€508k▲ 4.9%€323k▼ 36.3%€304k▼ 6.1%€215k▼ 29.1%
Operating result€202k-€299k▲ 48.0%€410k▲ 37.3%€301k▼ 26.7%€233k▼ 22.6%
Net result€149k-€237k▲ 59.0%€322k▲ 36.1%€244k▼ 24.2%€170k▼ 30.3%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.37M
Fixed assets
€492k▼ 5.3%
Current assets
€877k▼ 12.8%
Equity and liabilities €1.37M
Equity
€215k▼ 29.1%
Debt
€1.15M▼ 5.6%
The debt ratio rises from 80.1% to 84.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€270k▼
2024 · €324k
Cash flow
€207k▼
2024 · €268k
Solvency
15.7%▼
2024 · 19.9%
Current ratio
1.07▼
2024 · 1.27
Quick ratio
1.07▼
2024 · 1.27
Debt / equity
5.36▲
2024 · 4.02
ROE
79.1%▼
2024 · 80.4%
ROA
12.4%▼
2024 · 16.0%
Interest coverage
33.02▼
2024 · 49.68
Debt
€1.15M▼
2024 · €1.22M
Debt ≤ 1 year
€818k▲
2024 · €794k
Debt > 1 year
€208k▼
2024 · €243k
Income taxes
€64k▼
2024 · €67k
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€1.53M€1.37M▼
Fixed assets21/28€520k€492k▼
Intangible fixed assets21-€4k
Tangible fixed assets22/27€82k€150k▲
Furniture and vehicles24€76k€145k▲
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€438k€338k▼
Current assets29/58€1.01M€877k▼
Amounts receivable within one year40/41€578k€665k▲
Trade receivables40€381k€474k▲
Other amounts receivable41€197k€191k▼
Current investments50/53€250k-
Cash at bank and in hand54/58€178k€166k▼
Deferred charges and accrued income490/1-€46k
Equity and liabilities
Total equity and liabilities10/49€1.53M€1.37M▼
Equity10/15€304k€215k▼
Contributions10/11€195k€195k=
Capital10€195k€195k=
Issued capital100€195k€195k=
Reserves13€20k€20k=
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Profit (loss) carried forward14€89k€764▼
Amounts payable17/49€1.22M€1.15M▼
Amounts payable after more than one year17€243k€208k▼
Financial debts170/4€199k€164k▼
Other amounts payable178/9€44k€44k=
Amounts payable within one year42/48€794k€818k▲
Current portion of amounts payable after more than one year42€92k€100k▲
Financial debts43€100k€25k▼
Credit institutions430/8€100k€25k▼
Trade debts44€324k€381k▲
Suppliers440/4€324k€381k▲
Taxes, remuneration and social security45€32k€101k▲
Taxes450/3€32k€101k▲
Other amounts payable47/48€246k€211k▼
Accrued charges and deferred income492/3€185k€129k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€37k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-4k€-11k▼
Other operating charges640/8€7k€11k▲
Gross operating margin9900€328k€270k▼
Operating profit (loss)9901€301k€233k▼
Financial income75/76B€17k€10k▼
Recurring financial income75€17k€10k▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€311k€234k▼
Income taxes67/77€67k€64k▼
Profit (loss) for the period9904€244k€170k▼
Profit (loss) for the period to be appropriated9905€244k€170k▼
Appropriation of the result
Profit (loss) to be appropriated9906€353k€259k▼
Profit (loss) brought forward from the previous period14P€109k€89k▼
Profit to be distributed694/7€264k€259k▼
Return on contributions (dividend)694€186k€200k▲
Directors or managers695€78k€59k▼
The notes to these accounts (13 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
Financial
Highest result since 2018net €322k ▲36.1%
Operating result €410k, net result €322k, both a record.
01-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 1 day late
2022
30-09
Financial
Equity above €500kEq €508k ▲4.9%
5 profitable years in a row build equity to €508k.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Weakest financial yearnet €20k ▼76.2%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Herve · 2 establishment units since 2015
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.
Rue des Meuneries 104650 HerveGround area
6,275 m²
Building footprint
2,793 m²
Volume, LiDAR
12,359 m³
3 parcels, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
LOCALISY
since 20152.240.352.778
LOCALISY
since 20192.298.968.195
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63035A0013/00R002 | Wallonia | 3,285 m² | 1 · 2,337 m² | 7.1 m · 2 fl. |
| 62087B0390/00B000 | Wallonia | 2,881 m² | 1 · 392 m² | - |
| 63035A0005/00M004 | Wallonia | 109 m² | 1 · 65 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,959 companies in sector 47120 we hold annual accounts for 2,190. 1,370 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-01-2015
Fiscal year end30-09
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.
Contact details
1 entryPhone:087/692000