LOCOBEL
ActiveLOCOBEL has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €141k and a net result of €33k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 43% of 3102 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency37▲+11
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.84 against 0.72 in 2024), and 73.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
26.4%
Return on assets
6.2%
Age of the figures
9 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €141k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-02-2026, 158 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
158 d early
2024
146 d early
2023
1 d early
2022
30 d late
2021
1 d late
2020
60 d late
2019
60 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€141k▲ 30.7%
2024 · €108k
2018: €-54k
2019: €-16k
2020: €-13k
2021: €-7k
2022: €-5k
2023: €31k
2024: €108k
2018 → 2025
Total assets
€534k▲ 12.2%
2024 · €476k
2018: €330k
2019: €341k
2020: €410k
2021: €449k
2022: €446k
2023: €634k
2024: €476k
2018 → 2025
Net result
€33k▼ 57.0%
2024 · €77k
2018: €-49k
2019: €37k
2020: €4k
2021: €5k
2022: €3k
2023: €36k
2024: €77k
2018 → 2025
Working capital
€-56k▲ 30.6%
2024 · €-81k
2018: €-285k
2019: €-171k
2020: €-155k
2021: €-143k
2022: €-145k
2023: €-129k
2024: €-81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-7k-€-5k▲ 36.9%€31k€108k▲ 248%€141k▲ 30.7%
Operating result€7k-€4k▼ 34.3%€39k▲ 792%€109k▲ 179%€52k▼ 52.5%
Net result€5k-€3k▼ 49.9%€36k▲ 1,225%€77k▲ 116%€33k▼ 57.0%
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 falls in 2025; 2025 is 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €534k
Fixed assets
€242k▼ 9.9%
Current assets
€292k▲ 40.9%
Equity and liabilities €534k
Equity
€141k▲ 30.7%
Debt
€393k▲ 6.8%
The debt ratio falls from 77.3% to 73.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€105k▼
2024 · €158k
Cash flow
€86k▼
2024 · €126k
Solvency
26.4%▲
2024 · 22.7%
Current ratio
0.84▲
2024 · 0.72
Quick ratio
0.55▼
2024 · 0.62
Debt / equity
2.78▼
2024 · 3.41
ROE
23.5%▼
2024 · 71.3%
ROA
6.2%▼
2024 · 16.2%
Interest coverage
19.38▼
2024 · 26.00
Debt
€393k▲
2024 · €368k
Debt ≤ 1 year
€348k▲
2024 · €288k
Debt > 1 year
€45k▼
2024 · €80k
Income taxes
€13k▼
2024 · €29k
Staff costs
€172k▲
2024 · €109k
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€476k€534k▲
Fixed assets21/28€269k€242k▼
Tangible fixed assets22/27€262k€235k▼
Land and buildings22€138k€138k▲
Plant, machinery and equipment23€58k€44k▼
Furniture and vehicles24€66k€52k▼
Financial fixed assets28€7k€7k=
Current assets29/58€208k€292k▲
Stocks and contracts in progress3€29k€102k▲
Stocks30/36€29k€102k▲
Amounts receivable within one year40/41€150k€162k▲
Trade receivables40€141k€154k▲
Other amounts receivable41€9k€9k▲
Cash at bank and in hand54/58€7k€14k▲
Deferred charges and accrued income490/1€21k€14k▼
Equity and liabilities
Total equity and liabilities10/49€476k€534k▲
Equity10/15€108k€141k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€89k€123k▲
Non-distributable reserves130/1€2k€123k▲
Legal reserve130€2k€2k=
Other1319-€121k
Distributable reserves133€88k-
Amounts payable17/49€368k€393k▲
Amounts payable after more than one year17€80k€45k▼
Financial debts170/4€80k€45k▼
Amounts payable within one year42/48€288k€348k▲
Current portion of amounts payable after more than one year42-€41k
Financial debts43€46k-
Credit institutions430/8€46k-
Trade debts44€81k€130k▲
Suppliers440/4€81k€130k▲
Taxes, remuneration and social security45€32k€46k▲
Taxes450/3€29k€43k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€129k€131k▲
Income statement
Code20242025
Remuneration, social security and pensions62€109k€172k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€53k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€268k€279k▲
Operating profit (loss)9901€109k€52k▼
Financial income75/76B€3k-
Recurring financial income75€3k-
Non-recurring financial income76B€3k-
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€106k€46k▼
Income taxes67/77€29k€13k▼
Profit (loss) for the period9904€77k€33k▼
Profit (loss) for the period to be appropriated9905€77k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€33k▼
Transfer to equity691/2€77k€33k▼
To other reserves6921€77k€33k▼
The notes to these accounts (8 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
23-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €77k ▲116%
Operating result €109k, net result €77k, both a record.
31-12
Financial
Equity above €100kEq €108k ▲248%
6 profitable years in a row build equity to €108k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 60 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 60 days late
05-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 189 days late
2019
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
04-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 216 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 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, Gingelom · 1 establishment unit since 1999
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.
Hasselbroekstraat 1753890 GingelomGround area
1,453 m²
Building footprint
95 m²
Volume, LiDAR
723 m³
Parcel 71026C0210/00G000, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hasselbroekstraat 175, 3890 Gingelom
since 19992.099.217.580
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71026C0210/00G000 | Flanders | 1,453 m² | 1 · 95 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 2025 · 8 entries · 82,538 EUR awarded · 82,538 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 31,853 EUR | 31,853 EUR |
| 2024 | 2 | 14,278 EUR | 14,278 EUR |
| 2023 | 2 | 17,276 EUR | 17,276 EUR |
| 2022 | 1 | 19,131 EUR | 19,131 EUR |
Schemes
Brede weersverzekering
Investeringssteun voor land- en tuinbouwers
Subsidie voor de verwarringstechniek in de fruitteelt
Recognitions · licences · registrations
Food safety, FASFC
1 siteGingelom2.099.217.580
Similar companies · same sector, comparable size
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BE 0475.954.452
Herselt · Eq €139k
ALL - FRUIT DENDAUW
BE 0462.408.995
Izegem · Eq €138k
R.D.M. Fru
BE 0860.431.768
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MEERS FRUIT
BE 0480.200.379
Tongeren-Borgloon · Eq €136k
Of 1,344 companies in sector 01240 we hold annual accounts for 320. 255 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-1999
Fiscal year end31-12
Activities, NACEBEL
01240Growing of pome and stone fruits
74142
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.