LOEMAN WONINGBOUW
ActiveLOEMAN WONINGBOUW has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €298k and a net result of €11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 35% of 9690 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability18▼-82
Solvency25▼-20
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days only on tighter terms
Liquidity tight (current ratio 1.11 against 1.22 in 2023), and 83% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €298k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
7 d early
2022
12 d early
2021
12 d early
2020
11 d early
2019
53 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€298k▲ 3.7%
2023 · €287k
2018: €15k
2019: €14k
2020: €14k
2021: €-1k
2022: €82k
2023: €287k
2018 → 2024
Total assets
€1.76M▲ 62.5%
2023 · €1.08M
2018: €276k
2019: €351k
2020: €1.90M
2021: €1.40M
2022: €1.69M
2023: €1.08M
2018 → 2024
Net result
€11k▼ 94.9%
2023 · €205k
2018: €70k
2019: €-1k
2020: €261
2021: €-15k
2022: €83k
2023: €205k
2018 → 2024
Working capital
€159k▼ 8.5%
2023 · €173k
2018: €2k
2019: €-3k
2020: €-19k
2021: €-5k
2022: €-41k
2023: €173k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€14k-€-1k€82k€287k▲ 251%€298k▲ 3.7%
Operating result€17k-€-9k€122k€310k▲ 154%€94k▼ 69.8%
Net result€261-€-15k€83k€205k▲ 147%€11k▼ 94.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 70% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.76M
Fixed assets
€151k▲ 13.2%
Current assets
€1.60M▲ 69.5%
Equity and liabilities €1.76M
Equity
€298k▲ 3.7%
Debt
€1.46M▲ 83.9%
The debt ratio rises from 73.4% to 83.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€100k▼
2023 · €315k
Cash flow
€17k▼
2023 · €210k
Solvency
17.0%▼
2023 · 26.6%
Current ratio
1.11▼
2023 · 1.22
Quick ratio
0.65▼
2023 · 1.22
Debt / equity
4.90▲
2023 · 2.76
ROE
3.5%▼
2023 · 71.5%
ROA
0.6%▼
2023 · 19.0%
Interest coverage
1.27▼
2023 · 6.62
Debt
€1.46M▲
2023 · €793k
Debt ≤ 1 year
€1.45M▲
2023 · €773k
Income taxes
€8k▼
2023 · €72k
Staff costs
€2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.08M€1.76M▲
Fixed assets21/28€133k€151k▲
Tangible fixed assets22/27€8k€25k▲
Furniture and vehicles24€8k€25k▲
Financial fixed assets28€126k€126k=
Current assets29/58€947k€1.60M▲
Stocks and contracts in progress3€0€670k▲
Stocks30/36€0-
Contracts in progress37€0€670k▲
Amounts receivable within one year40/41€378k€708k▲
Trade receivables40€305k€708k▲
Other amounts receivable41€73k€0▼
Cash at bank and in hand54/58€559k€216k▼
Deferred charges and accrued income490/1€10k€12k▲
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.76M▲
Equity10/15€287k€298k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€269k€279k▲
Amounts payable17/49€793k€1.46M▲
Amounts payable within one year42/48€773k€1.45M▲
Financial debts43-€310k
Credit institutions430/8-€310k
Trade debts44€195k€683k▲
Suppliers440/4€195k€683k▲
Advances received on contracts in progress46€207k€8k▼
Taxes, remuneration and social security45€214k€95k▼
Taxes450/3€210k€95k▼
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€157k€351k▲
Accrued charges and deferred income492/3€19k€12k▼
Income statement
Code20232024
Non-recurring operating income76A€0-
Remuneration, social security and pensions62-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€115k€8k▼
Non-recurring operating charges66A€0€32k▲
Gross operating margin9900€429k€142k▼
Operating profit (loss)9901€310k€94k▼
Financial income75/76B€15k€3k▼
Recurring financial income75€15k€3k▼
Financial charges65/66B€48k€79k▲
Recurring financial charges65€48k€79k▲
Profit (loss) for the period before taxes9903€277k€19k▼
Income taxes67/77€72k€8k▼
Profit (loss) for the period9904€205k€11k▼
Profit (loss) for the period to be appropriated9905€205k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€269k€279k▲
Profit (loss) brought forward from the previous period14P€63k€269k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €205k ▲147%
Operating result €310k, net result €205k, both a record.
31-12
Financial
Equity above €200kEq €287k ▲251%
2 profitable years in a row build equity to €287k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €83k
Net result €83k after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-15k ▼5982%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €261
Net result €261 after one loss-making year.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Waasmunster · 1 establishment unit since 2017
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.
Oudeheerweg-Heide 829250 WaasmunsterGround area
2,604 m²
Building footprint
257 m²
Volume, LiDAR
1,597 m³
Parcel 42023B0536/00A000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Loeman Woningbouw
since 20172.263.875.179
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023B0536/00A000 | Flanders | 2,604 m² | 1 · 257 m² | 9.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 32 EUR awarded · 32 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 32 EUR | 32 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,633 companies in sector 68121 we hold annual accounts for 7,327. 5,123 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2017
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.