LOCX
ActiveThe computed 12-month bankruptcy probability of LOCX is 1.8% (moderate). The 2025 annual accounts show equity of €33k and a net result of €1k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 51% of 18040 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 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
Profitability71▲+5
Solvency61▲+1
Growth58=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.44 in 2024; short-term debt: 64.3% and cash: 4.1% of total assets), and 64.3% 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
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
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 · 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
35.7%
Return on assets
1.6%
Age of the figures
12 mo
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 01-04-2026, 29 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
29 d early
2024
37 d early
2023
26 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
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 4.8%
2024 · €31k
2023: €33k
2024: €31k
2023 → 2025
Total assets
€92k▲ 3.8%
2024 · €89k
2023: €85k
2024: €89k
2023 → 2025
Net result
€1k
2024 · €-2k
2023: €-7k
2024: €-2k
2023 → 2025
Working capital
€29k▲ 14.9%
2024 · €25k
2023: €24k
2024: €25k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€33k-€31k▼ 5.3%€33k▲ 4.8%
Operating result€-7k-€-2k▲ 76.9%€2k
Net result€-7k-€-2k▲ 74.7%€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€4k▼ 36.3%
Current assets
€88k▲ 6.8%
Equity and liabilities €92k
Equity
€33k▲ 4.8%
Debt
€59k▲ 3.3%
The debt ratio falls from 64.7% to 64.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€4k▲
2024 · €2k
Cash flow
€4k▲
2024 · €2k
Solvency
35.7%▲
2024 · 35.3%
Current ratio
1.49▲
2024 · 1.44
Quick ratio
0.09▼
2024 · 0.11
Debt / equity
1.80▼
2024 · 1.83
ROE
4.6%▲
2024 · -5.6%
ROA
1.6%▲
2024 · -2.0%
Interest coverage
19.69▲
2024 · 15.63
Debt
€59k▲
2024 · €57k
Debt ≤ 1 year
€59k▲
2024 · €57k
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€89k€92k▲
Fixed assets21/28€6k€4k▼
Intangible fixed assets21€5k€3k▼
Tangible fixed assets22/27€1k€925▼
Furniture and vehicles24€1k€925▼
Current assets29/58€82k€88k▲
Stocks and contracts in progress3€76k€82k▲
Stocks30/36€76k€82k▲
Amounts receivable within one year40/41€602€2k▲
Trade receivables40€556€2k▲
Other amounts receivable41€46-
Cash at bank and in hand54/58€5k€4k▼
Deferred charges and accrued income490/1€37€48▲
Equity and liabilities
Total equity and liabilities10/49€89k€92k▲
Equity10/15€31k€33k▲
Contributions10/11€40k€40k=
Profit (loss) carried forward14€-9k€-7k▲
Amounts payable17/49€57k€59k▲
Amounts payable within one year42/48€57k€59k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€54k€54k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€502€516▲
Gross operating margin9900€2k€4k▲
Operating profit (loss)9901€-2k€2k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€103€200▲
Recurring financial charges65€103€200▲
Profit (loss) for the period before taxes9903€-2k€1k▲
Profit (loss) for the period9904€-2k€1k▲
Profit (loss) for the period to be appropriated9905€-2k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-7k▲
Profit (loss) brought forward from the previous period14P€-7k€-9k▼
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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oud-Turnhout · 1 establishment unit since 2022
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.
Ambachtstraat 82360 Oud-TurnhoutGround area
1,594 m²
Building footprint
833 m²
Volume, LiDAR
4,456 m³
Parcel 13031C0770/00D000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOCX
since 20222.327.982.182
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13031C0770/00D000 | Flanders | 1,594 m² | 1 · 833 m² | 7.2 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.
Similar companies · same sector, comparable size
NIMZU AND MORE
BE 0790.419.940
Antwerpen · Eq €33k
JUNGLEVET
BE 1017.225.439
Enghien · Eq €33k
Rob & Co
BE 0860.220.150
Antwerpen · Eq €33k
TIMAS EUROPE
BE 0788.662.359
Bilzen-Hoeselt · Eq €33k
RINKS
BE 0697.577.082
Gent · Eq €33k
Of 12,968 companies in sector 47120 we hold annual accounts for 2,186. 1,465 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2022
Fiscal year end30-09
Abbreviation NL
LX
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
25620Manufacture of fabricated metal products, except machinery and equipment
28420Manufacture of machinery and equipment not elsewhere classified
43211General electrical installation work
46841Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.