LOCKWOOD
ActiveThe computed 12-month bankruptcy probability of LOCKWOOD is 1.6% (moderate). The 2026 annual accounts show negative equity (€-399k) and a net result of €-261k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 220 sector peers (fiscal year 2026). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
21
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability0=
Solvency0▼-7
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.92 against 1.38 in 2025; short-term debt: 106.4% and cash: 3.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2026Solvency, return and age of the figures
Solvency
-69.6%
Return on assets
-45.5%
Age of the figures
8 mo
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 · 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
raises risk · Negative equity
The 2026 annual accounts show negative equity and a net loss.
NBB · annual accounts 2026Equity per financial year
1920212223242526
2019 to 2026 · latest year €-399k
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 03-07-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
59 d early
2025
53 d early
2024
44 d early
2023
23 d early
2022
23 d early
2021
46 d early
2020
13 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€-399k▼ 189%
2025 · €-138k
2019: €-143k
2020: €-263k
2021: €-213k
2022: €154k
2023: €194k
2024: €82k
2025: €-138k
2019 → 2026
Total assets
€573k▼ 26.8%
2025 · €783k
2019: €635k
2020: €401k
2021: €415k
2022: €656k
2023: €917k
2024: €795k
2025: €783k
2019 → 2026
Net result
€-261k▼ 18.5%
2025 · €-220k
2019: €-111k
2020: €-120k
2021: €49k
2022: €23k
2023: €40k
2024: €-112k
2025: €-220k
2019 → 2026
Working capital
€-49k
2025 · €210k
2019: €-32k
2020: €-159k
2021: €-11k
2022: €150k
2023: €151k
2024: €13k
2025: €210k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€154k-€194k▲ 25.9%€82k▼ 57.7%€-138k€-399k▼ 189%
Operating result€31k-€51k▲ 65.2%€-91k€-198k▼ 117%€-244k▼ 23.1%
Net result€23k-€40k▲ 70.2%€-112k€-220k▼ 96.2%€-261k▼ 18.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €244k in 2026 against €198k in 2025; the loss grows and 2026 has the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €567k
Fixed assets
€6k▼ 61.6%
Current assets
€561k▼ 26.0%
Key figures and ratios
EBITDA
€-232k▼
2025 · €-177k
Cash flow
€-248k▼
2025 · €-199k
Solvency
-69.6%▼
2025 · -17.6%
Current ratio
0.92▼
2025 · 1.38
Quick ratio
0.09▼
2025 · 0.11
Debt / equity
-2.44▲
2025 · -6.67
ROA
-45.5%▼
2025 · -28.1%
Interest coverage
-14.17▼
2025 · -8.09
Debt
€971k▲
2025 · €921k
Debt ≤ 1 year
€610k▲
2025 · €549k
Debt > 1 year
€362k▼
2025 · €372k
Income taxes
€355
Staff costs
€296k▼
2025 · €416k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€783k€573k▼
Formation expenses20€9k€6k▼
Fixed assets21/28€16k€6k▼
Intangible fixed assets21€9k€2k▼
Tangible fixed assets22/27€7k€4k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€397-
Current assets29/58€758k€561k▼
Stocks and contracts in progress3€700k€509k▼
Stocks30/36€700k€509k▼
Amounts receivable within one year40/41€11k€31k▲
Trade receivables40€11k€31k▲
Other amounts receivable41€756€234▼
Cash at bank and in hand54/58€45k€21k▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€783k€573k▼
Equity10/15€-138k€-399k▼
Contributions10/11€350k€350k=
Reserves13€17k€17k=
Tax-exempt reserves132€15k€15k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-505k€-765k▼
Amounts payable17/49€921k€971k▲
Amounts payable after more than one year17€372k€362k▼
Financial debts170/4€372k€362k▼
Amounts payable within one year42/48€549k€610k▲
Current portion of amounts payable after more than one year42€23k€10k▼
Financial debts43€199k€199k=
Credit institutions430/8€199k€199k=
Trade debts44€233k€127k▼
Suppliers440/4€233k€127k▼
Taxes, remuneration and social security45€94k€35k▼
Taxes450/3€53k€12k▼
Remuneration and social security454/9€41k€24k▼
Other amounts payable47/48-€238k
Income statement
Code20252026
Remuneration, social security and pensions62€416k€296k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€12k▼
Other operating charges640/8€8k€11k▲
Gross operating margin9900€247k€75k▼
Operating profit (loss)9901€-198k€-244k▼
Financial charges65/66B€22k€16k▼
Recurring financial charges65€22k€16k▼
Profit (loss) for the period before taxes9903€-220k€-260k▼
Income taxes67/77-€355
Profit (loss) for the period9904€-220k€-261k▼
Profit (loss) for the period to be appropriated9905€-220k€-261k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-505k€-765k▼
Profit (loss) brought forward from the previous period14P€-285k€-505k▼
Social balance
Average headcount (FTE)90879.37.7▼
The notes to these accounts (10 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 2027, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-01
Financial
Weakest financial yearnet €-261k
Net result drops to €-261k, the lowest in the series.
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-01
Financial
Equity above €150kEq €154k
2 profitable years in a row build equity to €154k.
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-01
Financial
Back to profitnet €49k
Net result €49k after 2 loss-making years.
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
03-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 94 days late
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 322 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Antwerpen · 3 establishment units since 2003
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.
IJzerenwaag 12000 AntwerpenGround area
303 m²
Building footprint
243 m²
Volume, LiDAR
3,135 m³
3 parcels, Flanders · tallest building 35.9 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
LOCKWOOD
since 20032.123.239.433
LOCKWOOD
since 20102.198.458.478
Lockwood
since 20152.250.516.497
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C1430/00A000 | Flanders | 129 m² | 1 · 88 m² | 35.9 m · 3 fl. |
| 11804D0781/00H000 | Flanders | 117 m² | 1 · 99 m² | 14.3 m · 5 fl. |
| 11804D0782/00D000 | Flanders | 56 m² | 1 · 56 m² | 13.9 m · 5 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 5,118 EUR awarded · 5,118 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 500 EUR | 500 EUR |
| 2022 | 1 | 2,618 EUR | 2,618 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
5 live approvals · 5 endedOnthaal, organisatie en sales duaal (so)
Polyvalent administratief ondersteuner (vwo)
Polyvalent administratief ondersteuner duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
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Of 1,314 companies in sector 47639 we hold annual accounts for 624. 502 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2003
Fiscal year end31-01
Activities, NACEBEL
47639Retail sale of other sporting goods
47640Retail trade
52482
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.