LOCOMA
ActiveThe annual accounts of LOCOMA for fiscal year 2025 show a net loss of 98% of the equity at the start of that year. The 2025 annual accounts show equity of €6k and a net result of €-250k. Equity is shrinking by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 10% of 31662 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-10
Solvency25▼-5
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.78 against 4.97 in 2024; short-term debt: 2.8% and cash: 1% of total assets), and 99.9% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-250k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
on the day
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 97.8%
2024 · €256k
2018: €332k
2019: €337k
2020: €325k
2021: €293k
2022: €303k
2023: €329k
2024: €256k
2018 → 2025
Total assets
€6.32M▲ 20.0%
2024 · €5.27M
2018: €1.87M
2019: €2.22M
2020: €2.99M
2021: €2.87M
2022: €2.85M
2023: €3.66M
2024: €5.27M
2018 → 2025
Net result
€-250k▼ 238%
2024 · €-74k
2018: €14k
2019: €5k
2020: €-12k
2021: €-32k
2022: €10k
2023: €26k
2024: €-74k
2018 → 2025
Working capital
€-40k
2024 · €168k
2018: €-27k
2019: €60k
2020: €-576k
2021: €47k
2022: €120k
2023: €36k
2024: €168k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€293k-€303k▲ 3.4%€329k▲ 8.7%€256k▼ 22.4%€6k▼ 97.8%
Operating result€18k-€30k▲ 70.4%€89k▲ 195%€65k▼ 26.8%€-38k
Net result€-32k-€10k€26k▲ 162%€-74k€-250k▼ 238%
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 turns negative in 2025: a loss of €38k after €65k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.32M
Fixed assets
€6.18M▲ 22.2%
Current assets
€139k▼ 33.8%
Equity and liabilities €6.32M
Equity
€6k▼ 97.8%
Debt
€6.32M▲ 26.0%
The debt ratio rises from 95.2% to 99.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€196k▼
2024 · €248k
Cash flow
€-16k▼
2024 · €109k
Solvency
0.1%▼
2024 · 4.8%
Current ratio
0.78▼
2024 · 4.97
Quick ratio
0.78▼
2024 · 4.97
ROA
-4.0%▼
2024 · -1.4%
Interest coverage
0.92▼
2024 · 1.78
Debt
€6.32M▲
2024 · €5.02M
Debt ≤ 1 year
€179k▲
2024 · €42k
Debt > 1 year
€6.05M▲
2024 · €4.95M
A ratio outside any meaningful range has been withheld (balance sheet total €6.32M, equity €6k).
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€5.27M€6.32M▲
Fixed assets21/28€5.06M€6.18M▲
Tangible fixed assets22/27€5.06M€6.18M▲
Land and buildings22€5.05M€6.18M▲
Plant, machinery and equipment23€12k€6k▼
Current assets29/58€211k€139k▼
Amounts receivable within one year40/41€24k€76k▲
Trade receivables40€24k€55k▲
Other amounts receivable41-€21k
Cash at bank and in hand54/58€187k€63k▼
Equity and liabilities
Total equity and liabilities10/49€5.27M€6.32M▲
Equity10/15€256k€6k▼
Contributions10/11€372k€372k=
Capital10€372k€372k=
Issued capital100€372k€372k=
Profit (loss) carried forward14€-116k€-366k▼
Amounts payable17/49€5.02M€6.32M▲
Amounts payable after more than one year17€4.95M€6.05M▲
Financial debts170/4€2.50M€2.50M=
Other amounts payable178/9€2.45M€3.55M▲
Amounts payable within one year42/48€42k€179k▲
Taxes, remuneration and social security45€8k€18k▲
Taxes450/3€8k-
Remuneration and social security454/9-€18k
Other amounts payable47/48€34k€161k▲
Accrued charges and deferred income492/3€23k€88k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€183k€234k▲
Other operating charges640/8€20k€12k▼
Gross operating margin9900€268k€208k▼
Operating profit (loss)9901€65k€-38k▼
Financial income75/76B€11-
Recurring financial income75€11-
Financial charges65/66B€139k€212k▲
Recurring financial charges65€139k€212k▲
Profit (loss) for the period before taxes9903€-74k€-250k▼
Income taxes67/77€114-
Profit (loss) for the period9904€-74k€-250k▼
Profit (loss) for the period to be appropriated9905€-74k€-250k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-116k€-366k▼
Profit (loss) brought forward from the previous period14P€-42k€-116k▼
The notes to these accounts (5 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-250k
Net result drops to €-250k, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity quadruplescurrent ratio 4.97
Current ratio from 1.26 to 4.97; short-term debt falls from €135k to €42k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €26k ▲162%
Operating result €89k, net result €26k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity times 27current ratio 4.17
Current ratio from 0.15 to 4.17; short-term debt falls from €680k to €15k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity triplescurrent ratio 1.60
Current ratio from 0.58 to 1.60.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kalmthout · 1 establishment unit since 1997
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.
Beauvoislaan (Heide) 502920 KalmthoutGround area
3.2 ha
Building footprint
417 m²
Parcel 11662E0594/00Z020, Flanders. Linked by address, not a title deed.
1 establishment unit
Beauvoislaan (Heide) 50, 2920 Kalmthout
since 19972.080.047.511
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662E0594/00Z020 | Flanders | 3.2 ha | 1 · 417 m² | - |
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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 16,804 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-01-1997
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.