Loem Consult · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Loem Consult is 0.4% (very low). The 2024 annual accounts show equity of €877k and a net result of €281k. Equity is growing by ~122.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 1396 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 85% of 1396 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-09-2025, 35 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	04-09-2025	35 d late	2025-00482742
31-12-2023	31-07-2024	26-08-2024	26 d late	2024-00371190
31-12-2022	31-07-2023	11-07-2023	20 d early	2023-00225418
31-12-2021	31-07-2022	28-06-2022	33 d early	2022-20140344

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€281k+266.1%

Working capital€371k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 04-09-2025 with the NBB · fiscal year 2024 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~122.5%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	79.7%	43.5%	better than 85% of 1396 sector peers
Net result	€281k	€42k	better than 86% of 1397 sector peers
Equity	€877k	€163k	better than 79% of 1397 sector peers
Gross operating margin	€187k	€72k	better than 75% of 1396 sector peers
Total assets	€1.10M	€607k	better than 65% of 1396 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P85

Improving position over 2021-2024 · n=587-1396

Net result P86

Improving position over 2021-2024 · n=587-1397

Equity P79

Improving position over 2021-2024 · n=587-1397

Gross operating margin P75

Improving position over 2021-2024 · n=584-1396

Describes the position versus peers, not a forecast.

EBITDA

€187k

+67.2% 21-24

Net profit

€281k

+266.1% 21-24

Cash flow

€289k

+249.3% 21-24

Total assets

€1.10M

+122.7% 21-24

Equity

€877k

+434.1% 21-24

Working capital

€371k

- 21-24

Income taxes

€74k

+180.1% 21-24

Debt

€223k

-32.3% 21-24

Debt ≤ 1y

€46k

-14.5% 21-24

Debt > 1y

€177k

-35.8% 21-24

Current ratio

9.07

+1394.0% 21-24

Quick ratio

9.07

+1394.0% 21-24

Solvency

79.7%

+139.8% 21-24

Debt / equity

0.25

-87.3% 21-24

ROE

32.0%

-31.5% 21-24

ROA

25.5%

+64.4% 21-24

Interest coverage

3.89

-91.5% 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	verkort
Revenue	-
EBITDA	€187k
Net profit	€281k
Cash flow	€289k
Staff costs	-
Income taxes	€74k
Dividends	-
Total assets	€1.10M
Equity	€877k
Debt	€223k
of which ≤ 1y	€46k
of which > 1y	€177k
Working capital	€371k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	9.07
Quick ratio	9.07
Working capital ratio	33.7%
Solvency	79.7%
Debt / equity	0.25
Long-term debt ratio	0.20
Interest coverage	3.89
Gross margin	-
Net margin	-
ROA	25.5%
ROE	32.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €683k · 62.1% Current assets €417k · 37.9%

Equity & liabilities

Equity €877k · 79.7% Debt €223k · 20.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.10M
Fixed assets	21/28	€683k
Tangible fixed assets	22/27	€38k
Financial fixed assets	28	€645k
Current assets	29/58	€417k
Amounts receivable within one year	40/41	€305k
Cash & bank	54/58	€91k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.10M
Equity	10/15	€877k
Contributions / capital	10/11	€227k
Reserves	13	€650k
Amounts payable	17/49	€223k
Amounts payable after one year	17	€177k
Amounts payable within one year	42/48	€46k
Trade debts payable within one year	44	€588
Income statement
Gross operating margin	9900	€187k
Operating result	9901	€178k
Financial income	75	€225k
Financial charges	65	€48k
Result before taxes	9903	€355k
Income taxes	67/77	€74k
Net result for the period	9904	€281k
Result to be appropriated	9905	€281k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Hondsberg 52910 Essen

Establishment units

1 location

Loem Consult

Hondsberg 5, 2910 EssenManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.

since 20212.311.323.621

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area631 m²

Buildings1

Building footprint169 m²

Volume (LiDAR)642 m³

Tallest building6.6 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11016E0785/00V000indicative	Flanders	631 m²	1 · 169 m²	6.6 m · 1 fl.

Methodology

via registered seat: 1

0 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

3 acts

Capital history · 2

09-10-2024

Capital change

09-10-2024

Capital change

All acts · 3 updated 1 year ago

2024

09-10-2024 Share split Capital & shares·Lars HANSEN

Notary: Lars HANSEN · AntwerpenFirm: Deckers notarissen

Original publication ↗

09-10-2024 Capital increase of €57,925.77 Capital & shares·Lars HANSEN

Notary: Lars HANSEN · AntwerpenFirm: Deckers notarissen

Original publication ↗

13-08-2024 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous

Summary: proposal

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 78

Stability 94

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