LOCHIMMO
ActiveSummary
LOCHIMMO has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €315,903 and a net result of €128,156. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 41% of 2300 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+46
Solvency56▲+8
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity short (current ratio 0.26 against 0.06 in 2024; short-term debt: 64.8% and cash: 2.9% of total assets), and 69% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
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
31%
Return on assets
12.6%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €315,903
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
2 d early
2023
26 d early
2022
5 d early
2021
5 d early
2020
2 d early
2019
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€315,903▲ 68.3%
2024 · €187,747
Total assets
€1.0m▲ 26.2%
2024 · €808,284
Net result
€128,156
2024 · -€19,478
Working capital
-€492,294▲ 7.9%
2024 · -€534,753
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
Line20212022202320242025
Operating result-€11,338▼ 68.4%€10,204€19,692▲ 93.0%€84▼ 99.6%€133,081▲ 157,860%
Net result-€15,814▼ 30.8%€6,293€8,118▲ 29.0%-€19,478€128,156
Equity€192,815▼ 7.6%€199,108▲ 3.3%€207,226▲ 4.1%€187,747▼ 9.4%€315,903▲ 68.3%
Total assets€962,181▼ 9.2%€867,970▼ 9.8%€792,840▼ 8.7%€808,284▲ 1.9%€1.0m▲ 26.2%
Debt€740,504▼ 9.2%€646,497▼ 12.7%€566,250▼ 12.4%€603,194▲ 6.5%€704,079▲ 16.7%
Working capital-€493,590▲ 5.2%-€459,995▲ 6.8%-€431,802▲ 6.1%-€534,753▼ 23.8%-€492,294▲ 7.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2025 Equity +68% on 2024. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 157,860% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets
€851,209 ▲ 9.9%
Current assets
€168,773 ▲ 403%
Equity and liabilities €1.0m
Equity
€315,903 ▲ 68.3%
Provisions
€0 ▼ 100%
Debt
€704,079 ▲ 16.7%
Debt's share of the balance-sheet total falls from 74.6% to 69.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€179,999▲
2024 · €60,972
Cash flow
€175,074▲
2024 · €41,409
Current ratio
0.26▲
2024 · 0.06
Debt to equity
2.23▼
2024 · 3.21
ROE
40.6%▲
2024 · -10.4%
ROA
12.6%▲
2024 · -2.4%
Interest coverage
8.26▲
2024 · 2.63
Debt ≤ 1 year
€661,067▲
2024 · €568,335
Debt > 1 year
€0▼
2024 · €11,585
Income taxes
€1,499
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,082 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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% | 1.6% |
| 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 74% 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 20,082 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €125,163 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €87,402 | €83,473 | €69,169 | €60,888 | €46,918 | ▼ 22.9% |
| Other operating charges640/8 | €2,678 | €3,463 | €3,508 | €18,139 | €4,461 | ▼ 75.4% |
| Gross operating margin9900 | €78,742 | €97,140 | €92,369 | €79,111 | €184,461 | ▲ 133% |
| Operating profit (loss)9901 | -€11,338 | €10,204 | €19,692 | €84 | €133,081 | ▲ 157,860% |
| Financial income75/76B | €3,451 | €3,249 | €2,642 | €1,557 | €1,028 | ▼ 34.0% |
| Recurring financial income75 | €3,451 | €3,249 | €2,642 | €1,557 | €1,028 | ▼ 34.0% |
| Financial charges65/66B | €14,425 | €13,658 | €17,216 | €23,142 | €21,796 | ▼ 5.8% |
| Recurring financial charges65 | €14,425 | €13,658 | €17,216 | €23,142 | €21,796 | ▼ 5.8% |
| Profit (loss) for the period before taxes9903 | -€22,312 | -€205 | €5,117 | -€21,500 | €112,313 | ▲ 622% |
| Transfer from deferred taxes780 | €6,498 | €6,498 | €3,001 | €2,022 | €17,342 | ▲ 758% |
| Income taxes67/77 | - | - | - | - | €1,499 | - |
| Profit (loss) for the period9904 | -€15,814 | €6,293 | €8,118 | -€19,478 | €128,156 | ▲ 758% |
| Transfer from tax-exempt reserves789 | €20,578 | €20,578 | €9,502 | €6,402 | €54,917 | ▲ 758% |
| Profit (loss) for the period to be appropriated9905 | €4,764 | €26,871 | €17,619 | -€13,076 | €183,072 | ▲ 1,500% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €962,181 | €867,970 | €792,840 | €808,284 | €1.0m | ▲ 26.2% |
| Fixed assets21/28 | €853,809 | €770,336 | €704,761 | €774,702 | €851,209 | ▲ 9.9% |
| Intangible fixed assets21 | €85,714 | €64,286 | €42,857 | €21,428 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €768,094 | €706,050 | €661,904 | €753,274 | €851,209 | ▲ 13.0% |
| Land and buildings22 | €766,077 | €704,802 | €661,425 | €753,274 | €851,209 | ▲ 13.0% |
| Other tangible fixed assets26 | €2,018 | €1,248 | €479 | €0 | - | - |
| Current assets29/58 | €108,372 | €97,634 | €88,078 | €33,582 | €168,773 | ▲ 403% |
| Amounts receivable within one year40/41 | €91,277 | €76,032 | €72,842 | €14,987 | €4,480 | ▼ 70.1% |
| Trade receivables40 | €6,771 | €8,075 | €8,722 | €14,987 | €4,480 | ▼ 70.1% |
| Other amounts receivable41 | €84,506 | €67,957 | €64,120 | €0 | - | - |
| Current investments50/53 | - | - | - | - | €125,000 | - |
| Cash at bank and in hand54/58 | €5,253 | €9,900 | €3,120 | €8,729 | €29,136 | ▲ 234% |
| Deferred charges and accrued income490/1 | €11,842 | €11,702 | €12,116 | €9,867 | €10,157 | ▲ 2.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €962,181 | €867,970 | €792,840 | €808,284 | €1.0m | ▲ 26.2% |
| Equity10/15 | €192,815 | €199,108 | €207,226 | €187,747 | €315,903 | ▲ 68.3% |
| Contributions10/11 | €265,987 | €265,987 | €265,987 | €265,987 | €265,987 | = |
| Capital10 | €265,987 | €265,987 | €265,987 | €265,987 | €265,987 | = |
| Issued capital100 | €265,987 | €265,987 | €265,987 | €265,987 | €265,987 | = |
| Reserves13 | €97,633 | €78,399 | €69,778 | €63,376 | €35,058 | ▼ 44.7% |
| Non-distributable reserves130/1 | €3,099 | €4,442 | €5,323 | €5,323 | €31,922 | ▲ 500% |
| Legal reserve130 | €3,099 | €4,442 | €5,323 | €5,323 | €31,922 | ▲ 500% |
| Tax-exempt reserves132 | €91,398 | €70,820 | €61,319 | €54,917 | €0 | ▼ 100% |
| Distributable reserves133 | €3,136 | €3,136 | €3,136 | €3,136 | €3,136 | = |
| Profit (loss) carried forward14 | -€170,805 | -€145,277 | -€128,539 | -€141,615 | €14,858 | ▲ 110% |
| Provisions and deferred taxes16 | €28,863 | €22,364 | €19,364 | €17,342 | €0 | ▼ 100% |
| Provisions for liabilities and charges160/5 | €28,863 | €22,364 | - | - | - | - |
| Taxes161 | €28,863 | €22,364 | - | - | - | - |
| Deferred taxes168 | - | - | €19,364 | €17,342 | €0 | ▼ 100% |
| Amounts payable17/49 | €740,504 | €646,497 | €566,250 | €603,194 | €704,079 | ▲ 16.7% |
| Amounts payable after more than one year17 | €117,874 | €75,661 | €34,391 | €11,585 | €0 | ▼ 100% |
| Financial debts170/4 | €117,874 | €75,661 | €34,391 | €11,585 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €601,963 | €557,629 | €519,881 | €568,335 | €661,067 | ▲ 16.3% |
| Current portion of amounts payable after more than one year42 | €41,432 | €42,213 | €41,269 | €22,807 | €11,585 | ▼ 49.2% |
| Trade debts44 | €5,952 | €7,778 | €15,697 | €16,038 | €58,851 | ▲ 267% |
| Suppliers440/4 | €5,952 | €7,778 | €15,697 | €16,038 | €58,851 | ▲ 267% |
| Taxes, remuneration and social security45 | €12,538 | €7,864 | €7,883 | €8,741 | €12,836 | ▲ 46.8% |
| Taxes450/3 | €12,538 | €7,864 | €7,883 | €8,741 | €12,836 | ▲ 46.8% |
| Other amounts payable47/48 | €542,041 | €499,774 | €455,031 | €520,749 | €577,795 | ▲ 11.0% |
| Accrued charges and deferred income492/3 | €20,667 | €13,207 | €11,978 | €23,275 | €43,012 | ▲ 84.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€15,814 | €6,293 | €8,118 | -€19,478 | €128,156 | ▲ 758% |
| + Depreciation and write-downs630 | €87,402 | €83,473 | €69,169 | €60,888 | €46,918 | ▼ 22.9% |
| Operating cash flow (approximation) | €71,588 | €89,766 | €77,287 | €41,409 | €175,074 | ▲ 323% |
| Investment in fixed assets (approximation) | - | €0 | -€3,594 | -€130,828 | -€123,425 | ▲ 5.7% |
| Change in cash | - | €4,647 | -€6,780 | €5,609 | €20,407 | ▲ 264% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
31-12
Financial
Back to profitnet €128,156
Net result €128,156 after one loss-making year.
31-12
Financial
Equity above €200,000Eq €315,903 ▲68.3%
Equity rises from €187,747 to €315,903.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €207,226 ▲4.1%
2 profitable years in a row build equity to €207,226.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €6,293
Net result €6,293 after 4 loss-making years.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Lochristi · 1 establishment unit since 1993
Ground area
1,837 m²
Building footprint
150 m²
Volume, LiDAR
929 m³
Parcel 44034A0755/00M003, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
LOCHIMMO NV
since 19932.062.033.027
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034A0755/00M003 | Flanders | 1,837 m² | 1 · 150 m² | 10.4 m · 2 fl. |
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.
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Of 24,517 companies in sector 82990 we hold annual accounts for 9,415. 6,474 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded13-01-1993
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0449213334
Also
9925:BE0449213334
Registered
23-11-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.