Lofar Consulting
ActiveLofar Consulting has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €128k and a net result of €31k. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 19906 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability80▼-2
Solvency62▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.64 against 0.56 in 2023; short-term debt: 17.8% and cash: 11% of total assets), and 62.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 19906 sector peers (2024).
NBB · sector comparisonPosition among 19906 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
30 d early
2022
14 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€128k▲ 29.6%
2023 · €99k
2022: €65k
2023: €99k
2022 → 2024
Total assets
€344k▲ 0.2%
2023 · €344k
2022: €339k
2023: €344k
2022 → 2024
Net result
€31k▼ 12.2%
2023 · €35k
2022: €27k
2023: €35k
2022 → 2024
Working capital
€-22k▲ 15.6%
2023 · €-26k
2022: €-18k
2023: €-26k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€65k-€99k▲ 51.5%€128k▲ 29.6%
Operating result€41k-€59k▲ 42.5%€53k▼ 8.8%
Net result€27k-€35k▲ 32.0%€31k▼ 12.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 9% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €344k
Fixed assets
€305k▼ 1.8%
Current assets
€40k▲ 19.3%
Equity and liabilities €344k
Equity
€128k▲ 29.6%
Debt
€217k▼ 11.6%
The debt ratio falls from 71.3% to 62.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€55k▼
2023 · €63k
Cash flow
€32k▼
2023 · €39k
Solvency
37.1%▲
2023 · 28.7%
Current ratio
0.64▲
2023 · 0.56
Quick ratio
0.64▲
2023 · 0.56
Debt / equity
1.70▼
2023 · 2.48
ROE
24.2%▼
2023 · 35.7%
ROA
9.0%▼
2023 · 10.2%
Interest coverage
6.16▼
2023 · 7.15
Debt
€217k▼
2023 · €245k
Debt ≤ 1 year
€61k▲
2023 · €59k
Debt > 1 year
€155k▼
2023 · €186k
Income taxes
€14k▼
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€344k€344k▲
Fixed assets21/28€310k€305k▼
Tangible fixed assets22/27€10k€5k▼
Plant, machinery and equipment23€1k€735▼
Furniture and vehicles24€9k€4k▼
Financial fixed assets28€300k€300k=
Current assets29/58€33k€40k▲
Amounts receivable within one year40/41€0€935▲
Trade receivables40-€935
Other amounts receivable41€0-
Cash at bank and in hand54/58€32k€38k▲
Deferred charges and accrued income490/1€654€675▲
Equity and liabilities
Total equity and liabilities10/49€344k€344k▲
Equity10/15€99k€128k▲
Contributions10/11€40k€40k=
Reserves13€59k€88k▲
Distributable reserves133€59k€88k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€245k€217k▼
Amounts payable after more than one year17€186k€155k▼
Financial debts170/4€150k€119k▼
Other amounts payable178/9€36k€36k=
Amounts payable within one year42/48€59k€61k▲
Current portion of amounts payable after more than one year42€30k€31k▲
Trade debts44€2k€585▼
Suppliers440/4€2k€585▼
Taxes, remuneration and social security45€24k€23k▼
Taxes450/3€24k€23k▼
Other amounts payable47/48€4k€7k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€64k€58k▼
Operating profit (loss)9901€59k€53k▼
Financial income75/76B€70€2▼
Recurring financial income75€70€2▼
Financial charges65/66B€9k€9k▲
Recurring financial charges65€9k€9k▲
Profit (loss) for the period before taxes9903€50k€45k▼
Income taxes67/77€15k€14k▼
Profit (loss) for the period9904€35k€31k▼
Profit (loss) for the period to be appropriated9905€35k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€31k▼
Transfer to equity691/2€34k€29k▼
To other reserves6921€34k€29k▼
Profit to be distributed694/7€2k€2k▲
Return on contributions (dividend)694€2k€2k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €128k ▲29.6%
3 profitable years in a row build equity to €128k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €35k ▲32%
Operating result €59k, net result €35k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Kluisbergen · 1 establishment unit since 2022
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.
Stationsstraat 1289690 KluisbergenGround area
1,293 m²
Building footprint
231 m²
Volume, LiDAR
1,967 m³
Parcel 45002A0683/00Z000, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Lofar Consulting
since 20222.330.752.820
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45002A0683/00Z000 | Flanders | 1,293 m² | 1 · 231 m² | 13.0 m · 3 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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Washington Garden Consulting Center
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COMPETENCES ET EQUILIBRE
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Of 248 companies in sector 86932 we hold annual accounts for 24. 18 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2022
Fiscal year end31-12
Activities, NACEBEL
86932Human health activities
70200Business and other management consultancy
85599Other education
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.