Lodewick
ActiveSummary
Lodewick has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.18M and a net result of €163k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 19913 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability83▲+16
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 5.13 against 16.82 in 2023; short-term debt: 18.2% and cash: 3.3% of total assets), and 18.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
81.5%
Return on assets
11.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
16 d early
2023
14 d early
2022
60 d late
2021
12 d early
2020
87 d late
2019
111 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€1.18M▼ 6.9%
2023 · €1.27M
2019: €836klowest in 6 years
2020: €950k▲ +13.6% vs 2019
2021: €1.05M▲ +10.7% vs 2020
2022: €1.25M▲ +18.4% vs 2021
2023: €1.27M▲ +1.5% vs 2022highest in 6 years
2024: €1.18M▼ -6.9% vs 2023
2019 → 2024
Total assets
€1.45M▲ 8.0%
2023 · €1.34M
2019: €859klowest in 6 years
2020: €965k▲ +12.4% vs 2019
2021: €1.07M▲ +10.7% vs 2020
2022: €1.31M▲ +22.5% vs 2021
2023: €1.34M▲ +2.2% vs 2022
2024: €1.45M▲ +8.0% vs 2023highest in 6 years
2019 → 2024
Net result
€163k▲ 2.4%
2023 · €159k
2019: €100klowest in 6 years
2020: €119k▲ +19.4% vs 2019
2021: €107k▼ -10.2% vs 2020
2022: €194k▲ +81.4% vs 2021highest in 6 years
2023: €159k▼ -18.1% vs 2022
2024: €163k▲ +2.4% vs 2023
2019 → 2024
Working capital
€1.09M▼ 6.1%
2023 · €1.16M
2019: €782klowest in 6 years
2020: €898k▲ +14.9% vs 2019
2021: €1.04M▲ +15.4% vs 2020
2022: €1.20M▲ +15.4% vs 2021highest in 6 years
2023: €1.16M▼ -3.2% vs 2022
2024: €1.09M▼ -6.1% vs 2023
2019 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€950k-€1.05M▲ 10.7%€1.25M▲ 18.4%€1.27M▲ 1.5%€1.18M▼ 6.9%
2020: €950klowest in 5 years
2021: €1.05M▲ +10.7% vs 2020
2022: €1.25M▲ +18.4% vs 2021
2023: €1.27M▲ +1.5% vs 2022highest in 5 years
2024: €1.18M▼ -6.9% vs 2023
Operating result€130k-€127k▼ 2.5%€241k▲ 90.4%€184k▼ 23.6%€182k▼ 1.0%
2020: €130k
2021: €127k▼ -2.5% vs 2020lowest in 5 years
2022: €241k▲ +90.4% vs 2021highest in 5 years
2023: €184k▼ -23.6% vs 2022
2024: €182k▼ -1.0% vs 2023
Net result€119k-€107k▼ 10.2%€194k▲ 81.4%€159k▼ 18.1%€163k▲ 2.4%
2020: €119k
2021: €107k▼ -10.2% vs 2020lowest in 5 years
2022: €194k▲ +81.4% vs 2021highest in 5 years
2023: €159k▼ -18.1% vs 2022
2024: €163k▲ +2.4% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.45M
Fixed assets
€95k ▼ 11.5%
Current assets
€1.35M ▲ 9.7%
Equity and liabilities €1.45M
Equity
€1.18M ▼ 6.9%
Debt
€267k ▲ 265%
Debt's share of the balance-sheet total rises from 5.5% to 18.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€196k▼
2023 · €206k
Cash flow
€176k▼
2023 · €180k
Current ratio
5.13▼
2023 · 16.82
Debt to equity
0.23▲
2023 · 0.06
ROE
13.8%▲
2023 · 12.6%
ROA
11.3%▼
2023 · 11.9%
Interest coverage
24.85▲
2023 · -24.81
Debt ≤ 1 year
€263k▲
2023 · €73k
Income taxes
€34k▼
2023 · €36k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 52 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.34M€1.45M▲
Fixed assets21/28€107k€95k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€81k€69k▼
Land and buildings22€38k€35k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€43k€33k▼
Financial fixed assets28€26k€26k=
Current assets29/58€1.23M€1.35M▲
Amounts receivable after more than one year29€250k€250k=
Other amounts receivable291€250k€250k=
Amounts receivable within one year40/41€156k€58k▼
Trade receivables40€134k€36k▼
Other amounts receivable41€22k€22k▲
Current investments50/53€697k€981k▲
Cash at bank and in hand54/58€128k€47k▼
Deferred charges and accrued income490/1€150€13k▲
Equity and liabilities
Total equity and liabilities10/49€1.34M€1.45M▲
Equity10/15€1.27M€1.18M▼
Contributions10/11€19k€19k=
Reserves13€1.25M€1.16M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.24M€1.16M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€73k€267k▲
Amounts payable within one year42/48€73k€263k▲
Trade debts44€6k€6k=
Suppliers440/4€6k€6k=
Taxes, remuneration and social security45€63k€6k▼
Taxes450/3€63k€6k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€4k€251k▲
Accrued charges and deferred income492/3-€4k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€14k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€207k€197k▼
Operating profit (loss)9901€184k€182k▼
Financial income75/76B€3k€22k▲
Recurring financial income75€3k€22k▲
Financial charges65/66B€-8k€8k▲
Recurring financial charges65€-8k€8k▲
Profit (loss) for the period before taxes9903€195k€197k▲
Income taxes67/77€36k€34k▼
Profit (loss) for the period9904€159k€163k▲
Profit (loss) for the period to be appropriated9905€159k€163k▲
Appropriation of the result
Profit (loss) to be appropriated9906€159k€163k▲
Transfer from equity791/2€140k€250k▲
Transfer to equity691/2€159k€163k▲
To other reserves6921€159k€163k▲
Profit to be distributed694/7€140k€250k▲
Return on contributions (dividend)694€140k€250k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €7k | €9k | €21k | €14k | ▼ 36.0% |
| Other operating charges640/8 | - | €270 | €1k | €1k | €1k | ▲ 2.2% |
| Gross operating margin9900 | €137k | €134k | €251k | €207k | €197k | ▼ 4.6% |
| Operating profit (loss)9901 | €130k | €127k | €241k | €184k | €182k | ▼ 1.0% |
| Financial income75/76B | - | €1k | €3k | €3k | €22k | ▲ 760% |
| Recurring financial income75 | €13k | €1k | €3k | €3k | €22k | ▲ 760% |
| Financial charges65/66B | - | €486 | €9k | €-8k | €8k | ▲ 195% |
| Recurring financial charges65 | €35 | €486 | €9k | €-8k | €8k | ▲ 195% |
| Profit (loss) for the period before taxes9903 | €143k | €128k | €235k | €195k | €197k | ▲ 0.8% |
| Income taxes67/77 | €24k | €21k | €41k | €36k | €34k | ▼ 6.1% |
| Profit (loss) for the period9904 | €119k | €107k | €194k | €159k | €163k | ▲ 2.4% |
| Profit (loss) for the period to be appropriated9905 | €119k | €107k | €194k | €159k | €163k | ▲ 2.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €965k | €1.07M | €1.31M | €1.34M | €1.45M | ▲ 8.0% |
| Fixed assets21/28 | €52k | €16k | €50k | €107k | €95k | ▼ 11.5% |
| Intangible fixed assets21 | €23k | €16k | €9k | €0 | - | - |
| Tangible fixed assets22/27 | - | - | €41k | €81k | €69k | ▼ 15.2% |
| Land and buildings22 | - | - | €41k | €38k | €35k | ▼ 7.5% |
| Plant, machinery and equipment23 | - | - | - | - | €1k | - |
| Furniture and vehicles24 | - | - | - | €43k | €33k | ▼ 24.3% |
| Financial fixed assets28 | €29k | €0 | - | €26k | €26k | = |
| Current assets29/58 | €913k | €1.05M | €1.26M | €1.23M | €1.35M | ▲ 9.7% |
| Amounts receivable after more than one year29 | - | - | - | €250k | €250k | = |
| Other amounts receivable291 | - | - | - | €250k | €250k | = |
| Amounts receivable within one year40/41 | €87k | €5k | €168k | €156k | €58k | ▼ 62.6% |
| Trade receivables40 | - | - | €168k | €134k | €36k | ▼ 73.1% |
| Other amounts receivable41 | - | €5k | €0 | €22k | €22k | ▲ 2.4% |
| Current investments50/53 | €91k | €127k | €156k | €697k | €981k | ▲ 40.7% |
| Cash at bank and in hand54/58 | €735k | €921k | €936k | €128k | €47k | ▼ 62.9% |
| Deferred charges and accrued income490/1 | - | - | - | €150 | €13k | ▲ 8,880% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €965k | €1.07M | €1.31M | €1.34M | €1.45M | ▲ 8.0% |
| Equity10/15 | €950k | €1.05M | €1.25M | €1.27M | €1.18M | ▼ 6.9% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €932k | €1.03M | €1.23M | €1.25M | €1.16M | ▼ 7.0% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €1.03M | €1.23M | €1.24M | €1.16M | ▼ 7.0% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €15k | €17k | €64k | €73k | €267k | ▲ 265% |
| Amounts payable within one year42/48 | €15k | €17k | €64k | €73k | €263k | ▲ 259% |
| Trade debts44 | €6k | €6k | €6k | €6k | €6k | = |
| Suppliers440/4 | - | €6k | €6k | €6k | €6k | = |
| Taxes, remuneration and social security45 | - | €3k | €54k | €63k | €6k | ▼ 90.3% |
| Taxes450/3 | - | €3k | €38k | €63k | €6k | ▼ 90.3% |
| Remuneration and social security454/9 | - | - | €16k | €0 | - | - |
| Other amounts payable47/48 | - | €8k | €3k | €4k | €251k | ▲ 6,323% |
| Accrued charges and deferred income492/3 | - | - | - | - | €4k | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €119k | €107k | €194k | €159k | €163k | ▲ 2.4% |
| + Depreciation and write-downs630 | €7k | €7k | €9k | €21k | €14k | ▼ 36.0% |
| Operating cash flow (approximation) | €126k | €114k | €203k | €180k | €176k | ▼ 2.1% |
| Investment in fixed assets (approximation) | - | €29k | €-43k | €-79k | €-1k | ▲ 98.5% |
| Change in cash | - | €186k | €15k | €-808k | €-80k | ▲ 90.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Highest result since 2019net €194k ▲81.4%
Operating result €241k, net result €194k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €1MEq €1.05M ▲10.7%
3 profitable years in a row build equity to €1.05M.
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
19-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 111 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Destelbergen · 1 establishment unit since 2019
Ground area
2,023 m²
Building footprint
249 m²
Volume, LiDAR
1,225 m³
Parcel 44028A0551/00R004, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lodewick
since 20192.296.383.938
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028A0551/00R004 | Flanders | 2,023 m² | 1 · 249 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 16,625 companies in sector 86220 we hold annual accounts for 7,979. 5,544 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Scores and ratios are computed by Checked and are not a credit decision.