LoCo
ActiveThe computed 12-month bankruptcy probability of LoCo is 4.1% (elevated). The 2025 annual accounts show equity of €16k and a net result of €2k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 59% of 3668 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+25
Solvency63▲+10
Growth52=
Track record94
Bankruptcy probability, 12 months
4.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.88 against 1.0 in 2024; short-term debt: 62% and cash: 4.9% of total assets), and 62% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
14 d late
2024
19 d late
2023
22 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€16k▲ 15.6%
2024 · €14k
2023: €11k
2024: €14k
2023 → 2025
Total assets
€41k▼ 14.7%
2024 · €48k
2023: €16k
2024: €48k
2023 → 2025
Net result
€2k▼ 15.4%
2024 · €2k
2023: €5k
2024: €2k
2023 → 2025
Working capital
€-3k▼ 13,014%
2024 · €-24
2023: €7k
2024: €-24
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€11k-€14k▲ 22.6%€16k▲ 15.6%
Operating result€6k-€1k▼ 79.1%€3k▲ 167%
Net result€5k-€2k▼ 50.5%€2k▼ 15.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 167% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€19k▲ 38.2%
Current assets
€22k▼ 35.4%
Equity and liabilities €41k
Equity
€16k▲ 15.6%
Debt
€25k▼ 26.5%
The debt ratio falls from 71.9% to 62.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▲
2024 · €3k
Cash flow
€5k▲
2024 · €4k
Solvency
38.0%▲
2024 · 28.1%
Current ratio
0.88▼
2024 · 1.00
Quick ratio
0.69▼
2024 · 0.79
Debt / equity
1.63▼
2024 · 2.56
ROE
13.5%▼
2024 · 18.4%
ROA
5.1%▼
2024 · 5.2%
Interest coverage
4.94▲
2024 · 1.95
Debt
€25k▼
2024 · €35k
Debt ≤ 1 year
€25k▼
2024 · €35k
Income taxes
€789▲
2024 · €622
Staff costs
€2k▲
2024 · €2k
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€48k€41k▼
Fixed assets21/28€14k€19k▲
Tangible fixed assets22/27€14k€16k▲
Plant, machinery and equipment23€12k€15k▲
Furniture and vehicles24€2k€1k▼
Financial fixed assets28-€3k
Current assets29/58€35k€22k▼
Stocks and contracts in progress3€7k€5k▼
Stocks30/36€7k€5k▼
Amounts receivable within one year40/41€25k€15k▼
Trade receivables40€21k€12k▼
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€2k€2k▲
Deferred charges and accrued income490/1€400€723▲
Equity and liabilities
Total equity and liabilities10/49€48k€41k▼
Equity10/15€14k€16k▲
Contributions10/11€6k€6k=
Outside capital11€6k-
Other1109/19€6k-
Reserves13-€2k
Non-distributable reserves130/1-€2k
Reserves not available under the articles1311-€2k
Profit (loss) carried forward14€8k€8k=
Amounts payable17/49€35k€25k▼
Amounts payable within one year42/48€35k€25k▼
Trade debts44€24k€11k▼
Suppliers440/4€24k€11k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9-€31
Other amounts payable47/48€8k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€7k€10k▲
Operating profit (loss)9901€1k€3k▲
Financial income75/76B€3k€717▼
Recurring financial income75€3k€717▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€3k€3k▼
Income taxes67/77€622€789▲
Profit (loss) for the period9904€2k€2k▼
Profit (loss) for the period to be appropriated9905€2k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€10k▲
Profit (loss) brought forward from the previous period14P€5k€8k▲
Transfer to equity691/2-€2k
To the legal reserve6920-€2k
The notes to these accounts (7 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
31-12
Financial
Weakest financial yearnet €2k ▼15.4%
Net result drops to €2k, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 19 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 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, Antwerpen · 1 establishment unit since 2023
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.
Ter Heydelaan 1932100 AntwerpenGround area
797 m²
Building footprint
174 m²
Volume, LiDAR
1,970 m³
2 parcels, Flanders · tallest building 16.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
LoCo
since 20232.341.126.078
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11462A0323/00W000 | Flanders | 616 m² | 1 · 82 m² | 10.2 m · 3 fl. |
| 11344A0566/00F002 | Flanders | 181 m² | 1 · 91 m² | 16.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.341.126.078
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 7,756 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2023
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:lococatering@outlook.com