LOES DF
ActiveLOES DF has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €150k and a net result of €27k. Equity is growing by ~29.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-3
Solvency79▼-20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 2.31 in 2024; short-term debt: 46.1% and cash: 46.3% of total assets), and 46.1% 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+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 86
Relative position
BE, all sectors
reference
Sector 86
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
53.9%
Return on assets
9.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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.
NBB · 7 filingsDeviation from the deadline
2025
25 d late
2024
20 d late
2023
on the day
2022
20 d early
2021
12 d early
2020
12 d early
2019
16 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€150k▼ 18.1%
2024 · €183k
2019: €19k
2020: €38k
2021: €80k
2022: €113k
2023: €153k
2024: €183k
2019 → 2025
Total assets
€278k▲ 12.7%
2024 · €247k
2019: €168k
2020: €190k
2021: €226k
2022: €248k
2023: €257k
2024: €247k
2019 → 2025
Net result
€27k▼ 10.2%
2024 · €30k
2019: €14k
2020: €19k
2021: €41k
2022: €33k
2023: €41k
2024: €30k
2019 → 2025
Working capital
€75k▼ 9.4%
2024 · €83k
2019: €-145k
2020: €-106k
2021: €-42k
2022: €15k
2023: €36k
2024: €83k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€113k▲ 41.3%€153k▲ 36.1%€183k▲ 19.5%€150k▼ 18.1%
Operating result€61k-€49k▼ 20.0%€60k▲ 21.8%€48k▼ 19.4%€43k▼ 10.8%
Net result€41k-€33k▼ 20.6%€41k▲ 23.3%€30k▼ 26.3%€27k▼ 10.2%
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 11% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €278k
Fixed assets
€75k▼ 25.3%
Current assets
€203k▲ 38.5%
Equity and liabilities €278k
Equity
€150k▼ 18.1%
Debt
€128k▲ 101%
The debt ratio rises from 25.8% to 46.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€79k▼
2024 · €83k
Cash flow
€63k▼
2024 · €65k
Solvency
53.9%▼
2024 · 74.2%
Current ratio
1.59▼
2024 · 2.31
Quick ratio
1.59▼
2024 · 2.31
Debt / equity
0.85▲
2024 · 0.35
ROE
17.9%▲
2024 · 16.3%
ROA
9.7%▼
2024 · 12.1%
Interest coverage
12.01▼
2024 · 15.38
Debt
€128k▲
2024 · €64k
Debt ≤ 1 year
€128k▲
2024 · €64k
Income taxes
€11k▼
2024 · €15k
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€247k€278k▲
Fixed assets21/28€100k€75k▼
Intangible fixed assets21€44k€22k▼
Tangible fixed assets22/27€56k€53k▼
Furniture and vehicles24€32k€23k▼
Other tangible fixed assets26€24k€30k▲
Current assets29/58€147k€203k▲
Amounts receivable after more than one year29€14k€14k=
Other amounts receivable291€14k€14k=
Amounts receivable within one year40/41€5k€6k▲
Other amounts receivable41€5k€6k▲
Current investments50/53€14k€54k▲
Cash at bank and in hand54/58€113k€129k▲
Deferred charges and accrued income490/1€943€1k▲
Equity and liabilities
Total equity and liabilities10/49€247k€278k▲
Equity10/15€183k€150k▼
Contributions10/11€5k€5k=
Reserves13€145k€145k=
Distributable reserves133€145k€145k=
Profit (loss) carried forward14€33k€0▼
Amounts payable17/49€64k€128k▲
Amounts payable within one year42/48€64k€128k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€4k€4k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€58k€122k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€36k▲
Other operating charges640/8€513€700▲
Gross operating margin9900€84k€80k▼
Operating profit (loss)9901€48k€43k▼
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€45k€37k▼
Income taxes67/77€15k€11k▼
Profit (loss) for the period9904€30k€27k▼
Profit (loss) for the period to be appropriated9905€30k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€27k▼
Profit (loss) brought forward from the previous period14P€33k€0▼
Transfer from equity791/2-€33k
Transfer to equity691/2€30k€0▼
To other reserves6921€30k€0▼
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
The notes to these accounts (8 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
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €153k ▲36.1%
5 profitable years in a row build equity to €153k.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €113k ▲41.3%
4 profitable years in a row build equity to €113k.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €41k ▲120%
Operating result €61k, net result €41k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brugge · 1 establishment unit since 2019
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.
Sint-Trudostraat 368310 BruggeGround area
756 m²
Building footprint
125 m²
Volume, LiDAR
798 m³
Parcel 31434C0456/00F002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOES DF
since 20192.293.677.044
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31434C0456/00F002 | Flanders | 756 m² | 1 · 125 m² | 10.0 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.
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-07-2019
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.