Loemer
ActiveLoemer has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84k and a net result of €64k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +41 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency47▲+33
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 0.92 in 2024), and 72.8% 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.
−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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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 2025Solvency, return and age of the figures
Solvency
27.2%
Return on assets
20.6%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 7 filingsDeviation from the deadline
2025
25 d late
2024
181 d early
2023
156 d early
2022
153 d early
2021
94 d early
2020
32 d early
2019
21 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€84k▲ 313%
2024 · €20k
2019: €43k
2020: €89k
2021: €158k
2022: €73k
2023: €140k
2024: €20k
2019 → 2025
Total assets
€309k▲ 9.9%
2024 · €281k
2019: €64k
2020: €114k
2021: €188k
2022: €216k
2023: €221k
2024: €281k
2019 → 2025
Net result
€64k▲ 2.3%
2024 · €62k
2019: €24k
2020: €46k
2021: €70k
2022: €60k
2023: €66k
2024: €62k
2019 → 2025
Working capital
€51k
2024 · €-21k
2019: €43k
2020: €89k
2021: €153k
2022: €63k
2023: €85k
2024: €-21k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€158k-€73k▼ 53.7%€140k▲ 90.1%€20k▼ 85.4%€84k▲ 313%
Operating result€89k-€78k▼ 12.5%€87k▲ 11.7%€84k▼ 4.0%€82k▼ 2.4%
Net result€70k-€60k▼ 13.9%€66k▲ 10.0%€62k▼ 5.7%€64k▲ 2.3%
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; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €309k
Fixed assets
€33k▼ 27.7%
Current assets
€276k▲ 17.2%
Equity and liabilities €309k
Equity
€84k▲ 313%
Debt
€225k▼ 13.8%
The debt ratio falls from 92.7% to 72.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€94k▼
2024 · €97k
Cash flow
€76k▲
2024 · €76k
Solvency
27.2%▲
2024 · 7.3%
Current ratio
1.23▲
2024 · 0.92
Quick ratio
1.23▲
2024 · 0.92
Debt / equity
2.67▼
2024 · 12.79
ROE
75.8%▼
2024 · 305.5%
ROA
20.6%▼
2024 · 22.2%
Interest coverage
711.80▲
2024 · 19.84
Debt
€225k▼
2024 · €261k
Debt ≤ 1 year
€225k▼
2024 · €256k
Income taxes
€18k▲
2024 · €16k
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€281k€309k▲
Fixed assets21/28€46k€33k▼
Tangible fixed assets22/27€46k€33k▼
Land and buildings22€7k€6k▼
Plant, machinery and equipment23€945€502▼
Furniture and vehicles24€38k€27k▼
Current assets29/58€236k€276k▲
Amounts receivable within one year40/41€40k€29k▼
Trade receivables40€40k€29k▼
Current investments50/53€2k€2k=
Cash at bank and in hand54/58€192k€244k▲
Deferred charges and accrued income490/1€994€1k▲
Equity and liabilities
Total equity and liabilities10/49€281k€309k▲
Equity10/15€20k€84k▲
Contributions10/11€19k€19k=
Reserves13€2k€66k▲
Distributable reserves133€2k€66k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€261k€225k▼
Amounts payable within one year42/48€256k€225k▼
Trade debts44€937€557▼
Suppliers440/4€937€557▼
Taxes, remuneration and social security45€22k€21k▼
Taxes450/3€13k€14k▲
Remuneration and social security454/9€10k€7k▼
Other amounts payable47/48€233k€203k▼
Accrued charges and deferred income492/3€5k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▼
Other operating charges640/8€862€924▲
Gross operating margin9900€98k€95k▼
Operating profit (loss)9901€84k€82k▼
Financial income75/76B€6€1▼
Recurring financial income75€6€1▼
Financial charges65/66B€5k€133▼
Recurring financial charges65€5k€133▼
Profit (loss) for the period before taxes9903€79k€82k▲
Income taxes67/77€16k€18k▲
Profit (loss) for the period9904€62k€64k▲
Profit (loss) for the period to be appropriated9905€62k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€181k€64k▼
Profit (loss) brought forward from the previous period14P€119k€0▼
Transfer to equity691/2-€64k
To other reserves6921-€64k
Profit to be distributed694/7€181k-
Return on contributions (dividend)694€181k-
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
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €140k ▲90.1%
5 profitable years in a row build equity to €140k.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €70k ▲52%
Operating result €89k, net result €70k, both a record.
31-12
Financial
Equity above €150kEq €158k ▲78.8%
3 profitable years in a row build equity to €158k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 1 establishment unit since 2018
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.
Stropstraat 219000 GentGround area
119 m²
Building footprint
86 m²
Volume, LiDAR
775 m³
Parcel 44808H0270/00L000, Flanders · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Loemer
since 20182.282.997.443
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0270/00L000 | Flanders | 119 m² | 1 · 86 m² | 14.3 m · 4 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.
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Of 29,880 companies in sector 62200 we hold annual accounts for 18,324. 15,540 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2018
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.