Equity
€200,651 ▲ 6.1%
LOCHIE has made a profit without a break since 2011.
LOCHIE
Lifetime
20 annual accounts with figures on one time axis, 27 filings since 1999peak €102,245 (2024)
€79,882▼ 21.9%
lowest -€3,143 (2010)
€11,598▼ 60.1%
peak €245,387 (2023)
€200,651▲ 6.1%
€33,318▼ 16.7%
peak 1.7 FTE (2007)
-not published
Board1 name since 2021
-
Documentsfilings and deeds
29-07-20262 days before the deadline
2025micro format
Gross margin from €102,245 to €79,882Result from €29,047 to €11,598Debts from €39,993 to €33,318
Key points
from the 2025 annual accountsTurnover
≈ €630,000 estimated
The micro format states no turnover.
Staff
2 employees on 31-12-2025
In 2025, 4 people joined and 4 left.
Liquidity
6.49 was 4.91 in 2024
Short-term debts fell from €39,993 to €32,773.
Filings
27 annual accounts since 1999
The last five annual accounts were filed 2 to 13 days before the end of the period.
Position in the sector
85.8%
Higher solvency than 91% of companies in retail trade. Sector median 33.4% · 25,237 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 17,044 companies had the same profile as LOCHIE has now. Each dot stands for 43 companies, two years later.
94.3%
were still trading
5.0%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 17,044 companies, not a prediction for LOCHIE. 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
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0463441254
Change of role: , from manager to director
Gazette deed
First establishment
Leuvensestraat 68, Tienen
Incorporation
published on 06-06-1998 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LOCHIE Tienen | €233,969 | €79,882 | 85.8% | - |
| CROUSTIFRAIS Aubel | €214,717 | €66,485 | 80.8% | 4.5 |
| PRECIOSA Aalst | €232,066 | €97,767 | 73.6% | - |
| CAESTECKER - RAES Bruges | €200,736 | €84,692 | 41.0% | - |
| BAKKERIJ GEERTS Diest | €299,973 | €90,425 | 69.3% | - |
| PAGODE Berlaar | €290,262 | €70,352 | 49.3% | - |
| DEBCA Anderlecht | €269,975 | €96,083 | 74.5% | - |
These companies have the same main activity as LOCHIE: retail sale of bread and pastry (bakery outlets) (NACE 47241). They are comparable in size and age: total assets between €201,000 and €300,000, founded between 1996 and 2003.
Official details
Source: KBO- Status
- Active since 27-05-1998Normal situation
- Activity
- Retail sale of bread and pastry (bakery outlets)NACE 47241
- Establishment unit
- 2.087.183.7413300 Tienen, since 18-06-1998
- Financial year end
- 31 December
- Peppol
- Reachable since 29-10-2025
Annual accounts 2025
- €233,969▲ 2.1%
- Employeeson 31-12-2025
- 2=
- Filing
- Filed on 29-07-2026, 2 days before the end of the filing period
Insights on LOCHIE
LOCHIE files the micro format. That format states no turnover. The gross margin rose from €44,847 in 2006 to €79,882 in 2025.
The balance sheet grew most from 2018 to 2020 through fixed assets.
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 LOCHIE
- What is the company number of LOCHIE?
- The company number of LOCHIE is 0463.441.254. The VAT number is the same number with BE in front: BE 0463.441.254.
- Where is LOCHIE based?
- The registered office is at Leuvensestraat 68, 3300 Tienen.Company details
- What does LOCHIE do?
- According to the KBO register, the main activity is retail sale of bread and pastry (bakery outlets) (NACE 47241).
- What is the legal form of LOCHIE?
- LOCHIE is a private limited company (BV).
- When was LOCHIE founded?
- LOCHIE was founded on 27-05-1998.
- Is LOCHIE still active?
- Yes, LOCHIE is an active enterprise in the KBO register.
- How many employees does LOCHIE have?
- LOCHIE had an average of 2.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of LOCHIE?
- The turnover in financial year 2025 is ≈ €630,000. This figure is estimated from the gross margin of €79,882 and 45 comparable companies (NACE 472). It probably lies between €360,000 and €860,000.
- Is LOCHIE profitable?
- In financial year 2025, LOCHIE made a profit of €11,598.
- Where can I find the annual accounts of LOCHIE?
- LOCHIE filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LOCHIE due?
- LOCHIE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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