LOIC SOETE

Active

Private limited companyfounded 20224 yrs activeGayolles(BAR) 15, 6500 Beaumont, BelgiumKBO/BCE: BE 0780.357.080

The computed 12-month bankruptcy probability of LOIC SOETE is 2.2% (moderate). The 2025 annual accounts show equity of €149k and a net result of €59k. Equity is growing by ~27.6% per year across the filed fiscal years. Its solvency ranks better than 68% of 27446 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

100 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency99▼-1

Growth52=

Stability94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €15k at 30 days acceptable

Liquidity ample (current ratio 3.2 against 4.7 in 2024), and 36.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

63.9%

Return on assets

25.4%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

14 d early

2024

16 d early

2023

19 d early

2022

21 d early

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€149k▲ 24.2%

2024 · €120k

2022: €72k 2023: €93k 2024: €120k

2022 → 2025

Total assets

€233k▲ 37.6%

2024 · €169k

2022: €201k 2023: €155k 2024: €169k

2022 → 2025

Net result

€59k▲ 125%

2024 · €26k

2022: €62k 2023: €21k 2024: €26k

2022 → 2025

Working capital

€110k▲ 6.3%

2024 · €104k

2022: €57k 2023: €77k 2024: €104k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€72k-€93k▲ 29.1%€120k▲ 28.1%€149k▲ 24.2%

Operating result€85k-€29k▼ 66.1%€35k▲ 22.7%€72k▲ 104%

Net result€62k-€21k▼ 66.2%€26k▲ 24.3%€59k▲ 125%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 104% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €233k

31.0%

69.0%

Fixed assets €72k▲ 93.8%

Current assets €160k▲ 21.7%

Equity and liabilities €233k

63.9%

36.1%

Equity €149k▲ 24.2%

Debt €84k▲ 69.9%

The debt ratio rises from 29.3% to 36.1%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€80k▲

2024 · €43k

Cash flow

€66k▲

2024 · €33k

Solvency

63.9%▼

2024 · 70.7%

Current ratio

3.20▼

2024 · 4.70

Quick ratio

2.06▼

2024 · 2.86

Debt / equity

0.57▲

2024 · 0.41

ROE

39.7%▲

2024 · 21.9%

ROA

25.4%▲

2024 · 15.5%

Interest coverage

71.63▼

2024 · 117.57

Debt

€84k▲

2024 · €49k

Debt ≤ 1 year

€50k▲

2024 · €28k

Debt > 1 year

€34k▲

2024 · €21k

Income taxes

€13k▲

2024 · €10k

Staff costs

€21k▲

2024 · €6k

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€169k€233k▲

Fixed assets21/28€37k€72k▲

Tangible fixed assets22/27€37k€72k▲

Plant, machinery and equipment23€5k€2k▼

Furniture and vehicles24€33k€70k▲

Current assets29/58€132k€160k▲

Stocks and contracts in progress3€52k€57k▲

Stocks30/36€52k€57k▲

Amounts receivable within one year40/41€74k€68k▼

Trade receivables40€63k€53k▼

Other amounts receivable41€10k€15k▲

Cash at bank and in hand54/58€2k€31k▲

Deferred charges and accrued income490/1€5k€4k▼

Equity and liabilities

Total equity and liabilities10/49€169k€233k▲

Equity10/15€120k€149k▲

Contributions10/11€10k€10k=

Reserves13€105k€105k=

Distributable reserves133€105k€105k=

Profit (loss) carried forward14€5k€34k▲

Amounts payable17/49€49k€84k▲

Amounts payable after more than one year17€21k€34k▲

Financial debts170/4€21k€34k▲

Amounts payable within one year42/48€28k€50k▲

Current portion of amounts payable after more than one year42€4k€9k▲

Trade debts44€9k€4k▼

Suppliers440/4€9k€4k▼

Taxes, remuneration and social security45€15k€6k▼

Taxes450/3€13k€6k▼

Remuneration and social security454/9€2k-

Other amounts payable47/48€746€30k▲

Accrued charges and deferred income492/3€168€115▼

Income statement Code20242025

Non-recurring operating income76A-€4k

Remuneration, social security and pensions62€6k€21k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲

Other operating charges640/8€839€480▼

Non-recurring operating charges66A-€7k

Gross operating margin9900€50k€108k▲

Operating profit (loss)9901€35k€72k▲

Financial income75/76B€738€1k▲

Recurring financial income75€738€1k▲

Financial charges65/66B€362€1k▲

Recurring financial charges65€362€1k▲

Profit (loss) for the period before taxes9903€36k€72k▲

Income taxes67/77€10k€13k▲

Profit (loss) for the period9904€26k€59k▲

Profit (loss) for the period to be appropriated9905€26k€59k▲

Appropriation of the result

Profit (loss) to be appropriated9906€30k€64k▲

Profit (loss) brought forward from the previous period14P€3k€5k▲

Transfer to equity691/2€25k-

To other reserves6921€25k-

Profit to be distributed694/7-€30k

Return on contributions (dividend)694-€30k

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

17-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

15-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Liquidity doublescurrent ratio 4.70

Current ratio from 2.31 to 4.70; short-term debt falls from €59k to €28k.

31-12

Financial Equity above €100kEq €120k ▲28.1%

3 profitable years in a row build equity to €120k.

12-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €21k ▼66.2%

Net result drops to €21k, the lowest in the series; recovery starts the following year.

10-07

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

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, Beaumont · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Gayolles(BAR) 156500 Beaumont

Ground area

9,851 m²

Building footprint

233 m²

Volume, LiDAR

1,368 m³

Parcel 56004C0202/00H000, Wallonia · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Loïc Soete

Gayolles(BAR) 15, 6500 BeaumontRepair and maintenance of fabricated metal products

since 20222.326.558.559

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
56004C0202/00H000	Wallonia	9,851 m²	1 · 233 m²	11.8 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.

Similar companies · same sector, comparable size

Anderlecht · Eq €149k

DELCROIX CHAUFFAGE&SANITAIRE

BE 0751.525.415

Ramillies · Eq €148k

Of 6,993 companies in sector 43221 we hold annual accounts for 3,445. 2,973 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded12-01-2022

Fiscal year end31-12

Activities, NACEBEL

43221Plumbing work

43222Installation of electric heating, air conditioning, cooling and ventilation

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.