LOFT LIVING
ActiveLOFT LIVING has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.98M and a net result of €-200k. Equity is growing by ~28.4% per year across the filed fiscal years. Its solvency ranks better than 77% of 10289 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-3
Solvency89▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity short (current ratio 0.77 against 2.81 in 2024; short-term debt: 13.1% and cash: 0.5% of total assets), and 35.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
64.5%
Return on assets
-4.3%
Age of the figures
13 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-200k
neutral · Filed after the deadline
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 30-04-2026, 30 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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
30 d late
2023
2 d late
2022
7 d late
2021
14 d late
2020
20 d late
2019
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close18-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€461k
EBIT margin
-43.5%
Net result
€-200k▲ 23.2%
2024 · €-260k
2019: €352k
2020: €211k
2021: €507k
2022: €303k
2023: €1.52M
2024: €-260k
2019 → 2025
Working capital
€-137k
2024 · €1.34M
2019: €-66k
2020: €143k
2021: €374k
2022: €559k
2023: €2.60M
2024: €1.34M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€461k
Equity€1.62M-€1.92M▲ 18.7%€3.44M▲ 79.0%€3.18M▼ 7.6%€2.98M▼ 6.3%
Operating result€754k-€504k▼ 33.1%€2.03M▲ 302%€-257k€-200k▲ 22.0%
Net result€507k-€303k▼ 40.4%€1.52M▲ 402%€-260k€-200k▲ 23.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €200k in 2025 against €257k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.62M
Fixed assets
€4.15M▲ 38.6%
Current assets
€468k▼ 77.5%
Equity and liabilities €4.62M
Equity
€2.98M▼ 6.3%
Provisions
€652k▼ 5.6%
Debt
€988k▼ 18.1%
The debt ratio falls from 23.8% to 21.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-45k▲
2024 · €-122k
Cash flow
€-44k▲
2024 · €-125k
Solvency
64.5%▲
2024 · 62.6%
Current ratio
0.77▼
2024 · 2.81
Quick ratio
0.11▼
2024 · 1.66
Debt / equity
0.33▼
2024 · 0.38
ROE
-6.7%▲
2024 · -8.2%
ROA
-4.3%▲
2024 · -5.1%
Interest coverage
-1.10▲
2024 · -2.26
Debt
€988k▼
2024 · €1.21M
Debt ≤ 1 year
€606k▼
2024 · €740k
Debt > 1 year
€379k▼
2024 · €463k
Income taxes
€660▼
2024 · €14k
Staff costs
€87k▼
2024 · €109k
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€5.08M€4.62M▼
Fixed assets21/28€3.00M€4.15M▲
Tangible fixed assets22/27€2.99M€4.15M▲
Land and buildings22€2.98M€4.14M▲
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€4k€4k▼
Financial fixed assets28€2k€2k=
Current assets29/58€2.08M€468k▼
Stocks and contracts in progress3€853k€400k▼
Stocks30/36€853k€400k▼
Amounts receivable within one year40/41€37k€30k▼
Trade receivables40€23k€30k▲
Other amounts receivable41€15k-
Current investments50/53€2k€2k=
Cash at bank and in hand54/58€1.19M€25k▼
Deferred charges and accrued income490/1€3k€12k▲
Equity and liabilities
Total equity and liabilities10/49€5.08M€4.62M▼
Equity10/15€3.18M€2.98M▼
Contributions10/11€235k€235k=
Reserves13€2.77M€2.66M▼
Tax-exempt reserves132€2.01M€1.90M▼
Distributable reserves133€763k€763k=
Profit (loss) carried forward14€175k€86k▼
Provisions and deferred taxes16€691k€652k▼
Deferred taxes168€691k€652k▼
Amounts payable17/49€1.21M€988k▼
Amounts payable after more than one year17€463k€379k▼
Financial debts170/4€463k€379k▼
Amounts payable within one year42/48€740k€606k▼
Current portion of amounts payable after more than one year42€83k€84k▲
Trade debts44€48k€38k▼
Suppliers440/4€48k€38k▼
Taxes, remuneration and social security45€67k€44k▼
Taxes450/3€50k€28k▼
Remuneration and social security454/9€17k€16k▼
Other amounts payable47/48€542k€440k▼
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20242025
Turnover70-€461k
Non-recurring operating income76A-€419k
Goods, raw materials, services and sundry goods60/61-€846k
Remuneration, social security and pensions62€109k€87k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€135k€155k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€12k-
Other operating charges640/8€27k€17k▼
Gross operating margin9900€26k€60k▲
Operating profit (loss)9901€-257k€-200k▲
Financial income75/76B€47k€3k▼
Recurring financial income75€47k€3k▼
Non-recurring financial income76B€68-
Financial charges65/66B€54k€41k▼
Recurring financial charges65€54k€41k▼
Profit (loss) for the period before taxes9903€-264k€-238k▲
Transfer from deferred taxes780€18k€39k▲
Income taxes67/77€14k€660▼
Profit (loss) for the period9904€-260k€-200k▲
Transfer from tax-exempt reserves789€50k€111k▲
Profit (loss) for the period to be appropriated9905€-211k€-88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€175k€86k▼
Profit (loss) brought forward from the previous period14P€385k€175k▼
Social balance
Average headcount (FTE)90872.11.5▼
The notes to these accounts (10 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
31-08
Financial
Weakest financial yearnet €-260k ▼117%
Net result drops to €-260k, the lowest in the series; recovery starts the following year.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 2 days late
2023
31-08
Financial
Highest result since 2019net €1.52M ▲402%
Operating result €2.03M, net result €1.52M, both a record.
31-08
Financial
Liquidity doublescurrent ratio 3.91
Current ratio from 1.59 to 3.91; short-term debt falls from €941k to €895k.
31-08
Financial
Equity above €2MEq €3.44M ▲79%
5 profitable years in a row build equity to €3.44M.
07-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 7 days late
2022
14-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 14 days late
2021
20-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 20 days late
2020
31-08
Financial
Equity above €1MEq €1.11M ▲22.7%
2 profitable years in a row build equity to €1.11M.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 30 days late
2019
04-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 3 days late
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Nieuwpoort · 2 establishment units 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.
Lombardsijdestraat 148620 NieuwpoortGround area
939 m²
Building footprint
377 m²
Volume, LiDAR
4,410 m³
2 parcels, Flanders · tallest building 21.4 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Garden Suite
since 20172.300.460.611
Loft Living Boutique
since 20192.300.460.512
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402D0182/00D009 | Flanders | 782 m² | 1 · 222 m² | 11.5 m · 2 fl. |
| 38402D0226/00_000 | Flanders | 157 m² | 1 · 155 m² | 21.4 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
FITO LEUVEN
BE 0424.280.473
Leuven · Eq €2.98M
SENSA INTERIEUR
BE 0437.308.959
Riemst · Eq €3.01M
VANLAER
BE 0428.073.965
Hasselt · Eq €3.02M
NEW FURNITURE
BE 0445.822.391
Genk · Eq €2.92M
MEUBILI
BE 0447.007.969
Knokke-Heist · Eq €2.89M
Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 611 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-1992
Fiscal year end31-08
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
52441
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.