LODA

Active

Private limited company (pre-2019)founded 200719 yrs activeKwadensteenweg 73, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0886.470.726

Summary

The computed 12-month bankruptcy probability of LODA is 4.7% (elevated). The 2024 annual accounts show equity of €17,049 and a net result of -€11,484. Equity is shrinking by ~21% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

LODAActiveChecked score 36/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€133,126total assets 2024

Equity: €17,049
Loss: -€11,484

Turnover not published (abridged schema)

Financial health

36 Weak Checked score 2024

Bankruptcy chance 12 m: 4.7%

Structure

Accounts 65 d overdue0 of 4 deeds read

Why 36- 1 financial year not filed after the legal deadline; latest accounts 408 days late; 3 of the last 3 late- Figures for FY 2024 (filed 12-09-2026)+ Size: total assets €133,126+ Founded in 2007Show the evidence

Checked score

Score 2024

36 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 21% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2023

Weak

Solvency 38-8

equity 12.8% of total assets

Liquidity 14+4

short-term debt 87.2% · cash 9.5%

Profitability 58=

return on assets -8.6%

Bankruptcy probability, 12 months

4.7% Elevated

0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 4.8% 12-2024: 5.7%▲ +19.7% vs 11-2024 01-2025: 1.7%▼ -70.8% vs 12-2024 02-2025: 1.7%▲ +0.6% vs 01-2025 03-2025: 1.7%● 0.0% vs 02-2025 04-2025: 1.7%▼ -0.3% vs 03-2025 05-2025: 1.7%▼ -0.8% vs 04-2025lowest value 06-2025: 1.7%▲ +4.7% vs 05-2025 07-2025: 1.9%▲ +11.2% vs 06-2025 08-2025: 2.3%▲ +20.8% vs 07-2025 09-2025: 2.4%▲ +1.9% vs 08-2025 10-2025: 3.0%▲ +25.7% vs 09-2025 11-2025: 3.2%▲ +5.7% vs 10-2025 12-2025: 4.0%▲ +25.4% vs 11-2025 01-2026: 7.2%▲ +79.8% vs 12-2025 02-2026: 7.2%● 0.0% vs 01-2026 03-2026: 7.6%▲ +6.0% vs 02-2026 04-2026: 7.3%▼ -4.1% vs 03-2026 05-2026: 7.3%● 0.0% vs 04-2026 06-2026: 7.3%● 0.0% vs 05-2026 07-2026: 7.3%● 0.0% vs 06-2026 08-2026: 7.8%▲ +7.6% vs 07-2026highest value 09-2026: 7.8%● 0.0% vs 08-2026highest value 10-2026: 4.7%▼ -40.1% vs 09-2026

1 financial year not filed after the legal deadline; latest accounts 408 days late; 3 of the last 3 late raises the probability
Size: total assets €133,126 lowers the probability for this profile
Founded in 2007 lowers the probability for this profile
Figures for FY 2024 (filed 12-09-2026) raises the probability

Credit up to €500 at 30 days only on tighter terms

Liquidity short (current ratio 0.12 against 0.04 in 2023; short-term debt: 87.2% and cash: 9.5% of total assets), and 87.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 24%, liquidity 10%, profitability 39%, growth against the median 11%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk

1 financial year not filed after the legal deadline; latest accounts 408 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Size: total assets €133,126

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Founded in 2007

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Figures for FY 2024 (filed 12-09-2026)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

18192021222324

2018 to 2024 · latest year -€11,484

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-09-2026, 408 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

408 d late

2023

153 d late

2022

254 d late

2021

31 d late

2020

90 d late

2019

122 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 6 accounts on average 176 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage