Lodicy
ActiveLodicy has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €-4k. Equity is shrinking by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▲+10
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 54.87; short-term debt: 1.8% and cash: 80.8% of total assets), and 1.8% 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.
+raises risk○neutral
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.2%
Return on assets
-10.2%
Age of the figures
15 mo
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
19202122232425
2019 to 2025 · latest year €-4k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-12-2025, 59 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
59 d early
2024
43 d early
2023
9 d early
2022
1 d early
2021
41 d early
2020
34 d early
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▼ 67.0%
2024 · €105k
2019: €129k
2020: €174k
2021: €191k
2022: €185k
2023: €120k
2024: €105k
2019 → 2025
Total assets
€36k▼ 66.4%
2024 · €106k
2019: €160k
2020: €178k
2021: €199k
2022: €185k
2023: €123k
2024: €106k
2019 → 2025
Net result
€-4k▲ 75.0%
2024 · €-15k
2019: €36k
2020: €44k
2021: €18k
2022: €-7k
2023: €-30k
2024: €-15k
2019 → 2025
Working capital
€35k▼ 67.0%
2024 · €105k
2019: €128k
2020: €170k
2021: €191k
2022: €185k
2023: €120k
2024: €105k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€191k-€185k▼ 3.5%€120k▼ 35.0%€105k▼ 12.1%€35k▼ 67.0%
Operating result€23k-€-8k€-32k▼ 303%€-16k▲ 50.5%€-3k▲ 78.7%
Net result€18k-€-7k€-30k▼ 341%€-15k▲ 51.0%€-4k▲ 75.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €16k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €36k
Equity
€35k▼ 67.0%
Debt
€647▲ 105%
The debt ratio rises from 0.3% to 1.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
98.2%▼
2024 · 99.7%
Current ratio
54.87
Quick ratio
54.87
Debt / equity
0.02▲
2024 · 0.00
ROE
-10.4%▲
2024 · -13.8%
ROA
-10.2%▲
2024 · -13.7%
Debt
€647▲
2024 · €316
Debt ≤ 1 year
€647▲
2024 · €316
Income taxes
€0▼
2024 · €66
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€106k€36k▼
Current assets29/58€106k€36k▼
Amounts receivable within one year40/41€14k€421▼
Trade receivables40€2k€0▼
Other amounts receivable41€11k€421▼
Current investments50/53€7k€6k▼
Cash at bank and in hand54/58€85k€29k▼
Deferred charges and accrued income490/1€211€0▼
Equity and liabilities
Total equity and liabilities10/49€106k€36k▼
Equity10/15€105k€35k▼
Contributions10/11€19k€19k=
Reserves13€126k€59k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€126k€59k▼
Profit (loss) carried forward14€-39k€-43k▼
Amounts payable17/49€316€647▲
Amounts payable within one year42/48€316€647▲
Trade debts44€98€209▲
Suppliers440/4€98€209▲
Taxes, remuneration and social security45€218€438▲
Taxes450/3€218€438▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-14k€-2k▲
Operating profit (loss)9901€-16k€-3k▲
Financial income75/76B€1k€0▼
Recurring financial income75€1k€0▼
Financial charges65/66B€50€268▲
Recurring financial charges65€50€268▲
Profit (loss) for the period before taxes9903€-14k€-4k▲
Income taxes67/77€66€0▼
Profit (loss) for the period9904€-15k€-4k▲
Profit (loss) for the period to be appropriated9905€-15k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-39k€-43k▼
Profit (loss) brought forward from the previous period14P€-24k€-39k▼
Transfer from equity791/2€0€67k▲
Profit to be distributed694/7€0€67k▲
Return on contributions (dividend)694€0€67k▲
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
2025
03-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Liquidity times 8current ratio 334.60
Current ratio from 42.86 to 334.60; short-term debt falls from €3k to €316.
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity times 9current ratio 252.27
Current ratio from 27.03 to 252.27; short-term debt falls from €7k to €735.
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Highest result since 2019net €44k ▲24.7%
Operating result €58k, net result €44k, both a record.
30-06
Financial
Liquidity times 8current ratio 43.41
Current ratio from 5.12 to 43.41; short-term debt falls from €31k to €4k.
30-06
Financial
Equity above €150kEq €174k ▲34.4%
2 profitable years in a row build equity to €174k.
07-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
29-12
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Zwalm · 1 establishment unit since 2016
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.
Beerlegemsebaan(Beerl) 619630 ZwalmGround area
1,421 m²
Building footprint
308 m²
Volume, LiDAR
2,093 m³
Parcel 45001A0398/00C000, Flanders · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KDBO CONSULTING
since 20162.254.366.904
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45001A0398/00C000 | Flanders | 1,421 m² | 1 · 308 m² | 13.7 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteZwalm2.254.366.904
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Of 1,050 companies in sector 46341 we hold annual accounts for 534. 351 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2016
Fiscal year end30-06
Activities, NACEBEL
46341Wholesale of wines and spirits
62020IT consultancy
62200Computer consultancy and computer facilities management
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.