LOE
ActiveLOE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €562k and a net result of €117k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency98▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 3.88 against 2.41 in 2024), and 42.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
57.9%
Return on assets
12%
Age of the figures
14 mo
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 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
23 d early
2023
2 d early
2022
7 d late
2021
4 d early
2020
on the day
2019
2 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 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€562k▲ 21.1%
2024 · €464k
2019: €178k
2020: €284k
2021: €341k
2022: €366k
2023: €384k
2024: €464k
2019 → 2025
Total assets
€972k▲ 2.7%
2024 · €946k
2019: €590k
2020: €802k
2021: €954k
2022: €955k
2023: €908k
2024: €946k
2019 → 2025
Net result
€117k▲ 30.6%
2024 · €90k
2019: €17k
2020: €107k
2021: €69k
2022: €66k
2023: €82k
2024: €90k
2019 → 2025
Working capital
€231k▲ 55.6%
2024 · €149k
2019: €118k
2020: €49k
2021: €158k
2022: €94k
2023: €80k
2024: €149k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€341k-€366k▲ 7.3%€384k▲ 5.0%€464k▲ 20.9%€562k▲ 21.1%
Operating result€95k-€97k▲ 2.7%€129k▲ 32.9%€137k▲ 5.7%€178k▲ 30.3%
Net result€69k-€66k▼ 3.4%€82k▲ 23.9%€90k▲ 8.7%€117k▲ 30.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 30% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €972k
Fixed assets
€660k▼ 4.7%
Current assets
€312k▲ 22.6%
Equity and liabilities €972k
Equity
€562k▲ 21.1%
Debt
€409k▼ 15.1%
The debt ratio falls from 51.0% to 42.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€216k▲
2024 · €174k
Cash flow
€155k▲
2024 · €127k
Solvency
57.9%▲
2024 · 49.0%
Current ratio
3.88▲
2024 · 2.41
Quick ratio
3.88▲
2024 · 2.41
Debt / equity
0.73▼
2024 · 1.04
ROE
20.8%▲
2024 · 19.3%
ROA
12.0%▲
2024 · 9.5%
Interest coverage
20.92▲
2024 · 17.22
Debt
€409k▼
2024 · €482k
Debt ≤ 1 year
€80k▼
2024 · €105k
Debt > 1 year
€329k▼
2024 · €377k
Income taxes
€51k▲
2024 · €37k
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€946k€972k▲
Formation expenses20€0€0=
Fixed assets21/28€692k€660k▼
Tangible fixed assets22/27€692k€660k▼
Land and buildings22€686k€655k▼
Plant, machinery and equipment23€787€493▼
Furniture and vehicles24€5k€5k▼
Current assets29/58€254k€312k▲
Amounts receivable within one year40/41€81k€50k▼
Trade receivables40€63k€50k▼
Other amounts receivable41€18k-
Cash at bank and in hand54/58€155k€245k▲
Deferred charges and accrued income490/1€19k€17k▼
Equity and liabilities
Total equity and liabilities10/49€946k€972k▲
Equity10/15€464k€562k▲
Contributions10/11€6k€6k=
Reserves13€385k€483k▲
Distributable reserves133€385k€483k▲
Profit (loss) carried forward14€73k€73k=
Amounts payable17/49€482k€409k▼
Amounts payable after more than one year17€377k€329k▼
Financial debts170/4€377k€329k▼
Amounts payable within one year42/48€105k€80k▼
Current portion of amounts payable after more than one year42€47k€48k▲
Trade debts44€843€7k▲
Suppliers440/4€843€7k▲
Taxes, remuneration and social security45€43k€21k▼
Taxes450/3€43k€21k▼
Other amounts payable47/48€15k€4k▼
Accrued charges and deferred income492/3€0€557▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€38k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€177k€219k▲
Operating profit (loss)9901€137k€178k▲
Financial income75/76B€368€821▲
Recurring financial income75€368€821▲
Financial charges65/66B€10k€10k▲
Recurring financial charges65€10k€10k▲
Profit (loss) for the period before taxes9903€127k€168k▲
Income taxes67/77€37k€51k▲
Profit (loss) for the period9904€90k€117k▲
Profit (loss) for the period to be appropriated9905€90k€117k▲
Appropriation of the result
Profit (loss) to be appropriated9906€163k€190k▲
Profit (loss) brought forward from the previous period14P€73k€73k=
Transfer from equity791/2€8k€17k▲
Transfer to equity691/2€88k€115k▲
To other reserves6921€88k€115k▲
Profit to be distributed694/7€9k€19k▲
Return on contributions (dividend)694€9k€19k▲
The notes to these accounts (6 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
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €117k ▲30.6%
Operating result €178k, net result €117k, both a record.
30-06
Financial
Equity above €500kEq €562k ▲21.1%
7 profitable years in a row build equity to €562k.
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Liquidity doublescurrent ratio 2.59
Current ratio from 1.26 to 2.59; short-term debt falls from €185k to €99k.
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €200kEq €284k ▲59%
2 profitable years in a row build equity to €284k.
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
31-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Sint-Lievens-Houtem · 1 establishment unit since 2010
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.
Kerkkouterstraat 189520 Sint-Lievens-HoutemGround area
5,850 m²
Building footprint
527 m²
Volume, LiDAR
2,823 m³
2 parcels, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schildershoek 3, 9860 Oosterzele
since 20102.192.776.456
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41007A0233/00K000 | Flanders | 4,614 m² | 1 · 413 m² | 11.9 m · 1 fl. |
| 44031A0114/00C000 | Flanders | 1,237 m² | 1 · 114 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 735 EUR awarded · 735 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 735 EUR | 735 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 33,573 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2010
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74209Other photographic activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0479971923