LoCra
ActiveLoCra has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €557k and a net result of €25k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 7892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
89
/ 100
Excellent▲ +37 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▲+22
Solvency100▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 2.97 against 2.65 in 2024), and 32.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
67.3%
Return on assets
3%
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 46
Relative position
BE, all sectors
reference
Sector 46
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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
34 d early
2023
on the day
2022
32 d early
2021
32 d early
2020
31 d early
2019
31 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€557k▲ 4.6%
2024 · €533k
2018: €319k
2019: €400k
2020: €371k
2021: €401k
2022: €533k
2023: €627k
2024: €533k
2018 → 2025
Total assets
€828k▼ 0.7%
2024 · €834k
2018: €569k
2019: €602k
2020: €589k
2021: €662k
2022: €785k
2023: €914k
2024: €834k
2018 → 2025
Net result
€25k
2024 · €-51k
2018: €43k
2019: €81k
2020: €10k
2021: €109k
2022: €241k
2023: €122k
2024: €-51k
2018 → 2025
Working capital
€534k▲ 7.6%
2024 · €496k
2018: €423k
2019: €475k
2020: €404k
2021: €406k
2022: €492k
2023: €575k
2024: €496k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€401k-€533k▲ 32.9%€627k▲ 17.6%€533k▼ 15.0%€557k▲ 4.6%
Operating result€164k-€350k▲ 114%€192k▼ 45.2%€-35k€44k
Net result€109k-€241k▲ 120%€122k▼ 49.2%€-51k€25k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €44k after a loss of €35k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €828k
Fixed assets
€24k▼ 35.2%
Current assets
€804k▲ 0.9%
Equity and liabilities €828k
Equity
€557k▲ 4.6%
Debt
€271k▼ 10.1%
The debt ratio falls from 36.1% to 32.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€55k▲
2024 · €-18k
Cash flow
€36k▲
2024 · €-34k
Solvency
67.3%▲
2024 · 63.9%
Current ratio
2.97▲
2024 · 2.65
Quick ratio
1.54▲
2024 · 1.40
Debt / equity
0.49▼
2024 · 0.57
ROE
4.4%▲
2024 · -9.6%
ROA
3.0%▲
2024 · -6.1%
Interest coverage
1.70▲
2024 · -0.60
Debt
€271k▼
2024 · €301k
Debt ≤ 1 year
€271k▼
2024 · €301k
Income taxes
€4k▲
2024 · €1k
Staff costs
€336k▲
2024 · €271k
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€834k€828k▼
Fixed assets21/28€37k€24k▼
Intangible fixed assets21€9k€6k▼
Tangible fixed assets22/27€27k€18k▼
Plant, machinery and equipment23€2k€382▼
Furniture and vehicles24€11k€6k▼
Other tangible fixed assets26€14k€11k▼
Financial fixed assets28-€250
Current assets29/58€797k€804k▲
Stocks and contracts in progress3€376k€389k▲
Stocks30/36€376k€389k▲
Amounts receivable within one year40/41€177k€156k▼
Trade receivables40€154k€133k▼
Other amounts receivable41€24k€24k=
Cash at bank and in hand54/58€240k€224k▼
Deferred charges and accrued income490/1€4k€35k▲
Equity and liabilities
Total equity and liabilities10/49€834k€828k▼
Equity10/15€533k€557k▲
Contributions10/11€19k€19k=
Reserves13€565k€565k=
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€563k€565k▲
Profit (loss) carried forward14€-51k€-27k▲
Amounts payable17/49€301k€271k▼
Amounts payable within one year42/48€301k€271k▼
Trade debts44€44k€28k▼
Suppliers440/4€44k€28k▼
Taxes, remuneration and social security45€68k€82k▲
Taxes450/3€27k€34k▲
Remuneration and social security454/9€41k€48k▲
Other amounts payable47/48€190k€160k▼
Income statement
Code20242025
Non-recurring operating income76A-€9k
Remuneration, social security and pensions62€271k€336k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€11k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€13k€0▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€267k€392k▲
Operating profit (loss)9901€-35k€44k▲
Financial income75/76B€15k€18k▲
Recurring financial income75€15k€18k▲
Financial charges65/66B€30k€32k▲
Recurring financial charges65€30k€32k▲
Profit (loss) for the period before taxes9903€-50k€29k▲
Income taxes67/77€1k€4k▲
Profit (loss) for the period9904€-51k€25k▲
Profit (loss) for the period to be appropriated9905€-51k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-51k€-27k▲
Profit (loss) brought forward from the previous period14P-€-51k
Transfer from equity791/2€43k€0▼
Profit to be distributed694/7€43k€0▼
Return on contributions (dividend)694€43k€0▼
Social balance
Average headcount (FTE)90873.03.2▲
The notes to these accounts (19 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-51k ▼142%
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €241k ▲120%
Operating result €350k, net result €241k, both a record.
31-12
Financial
Equity above €500kEq €533k ▲32.9%
5 profitable years in a row build equity to €533k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 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, Hasselt · 1 establishment unit since 2011
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.
Poelstraat 93511 HasseltGround area
1,245 m²
Building footprint
150 m²
Volume, LiDAR
800 m³
Parcel 71032B0560/00S000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LoCra
since 20112.196.006.556
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71032B0560/00S000 | Flanders | 1,245 m² | 1 · 150 m² | 7.5 m · 2 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.
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VERPOORTEN VERFDISTRIBUTIE
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Of 1,794 companies in sector 46831 we hold annual accounts for 1,390. 1,028 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-02-2011
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
46130Agents in the wholesale of timber and building materials
47521Retail sale of hardware, building materials, paint and glass (general range)
68110Buying and selling of own real estate
85699Other educational support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.