Loir Consult
ActiveLoir Consult has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134k and a net result of €60k. Equity is growing by ~73.2% per year across the filed fiscal years. Its solvency ranks better than 36% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+1
Solvency67▲+15
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 4.25 against 2.49 in 2024; short-term debt: 10.8% and cash: 8.9% of total assets), but 58.2% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
41.8%
Return on assets
18.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-01-2026, 189 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
189 d early
2024
21 d late
2023
19 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€134k▲ 81.8%
2024 · €74k
2023: €26k
2024: €74k
2023 → 2025
Total assets
€322k▲ 17.4%
2024 · €274k
2023: €40k
2024: €274k
2023 → 2025
Net result
€60k▲ 26.8%
2024 · €48k
2023: €22k
2024: €48k
2023 → 2025
Working capital
€114k▲ 96.2%
2024 · €58k
2023: €26k
2024: €58k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€26k-€74k▲ 182%€134k▲ 81.8%
Operating result€29k-€70k▲ 142%€86k▲ 22.4%
Net result€22k-€48k▲ 115%€60k▲ 26.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €322k
Fixed assets
€173k▼ 2.4%
Current assets
€148k▲ 53.5%
Equity and liabilities €322k
Equity
€134k▲ 81.8%
Debt
€187k▼ 6.5%
The debt ratio falls from 73.0% to 58.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▲
2024 · €73k
Cash flow
€70k▲
2024 · €51k
Solvency
41.8%▲
2024 · 27.0%
Current ratio
4.25▲
2024 · 2.49
Quick ratio
4.25▲
2024 · 2.49
Debt / equity
1.39▼
2024 · 2.71
ROE
45.0%▼
2024 · 64.5%
ROA
18.8%▲
2024 · 17.4%
Interest coverage
10.24▲
2024 · 7.51
Debt
€187k▼
2024 · €200k
Debt ≤ 1 year
€35k▼
2024 · €39k
Debt > 1 year
€152k▼
2024 · €161k
Income taxes
€16k▲
2024 · €12k
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€274k€322k▲
Fixed assets21/28€177k€173k▼
Tangible fixed assets22/27€177k€173k▼
Other tangible fixed assets26€177k€173k▼
Current assets29/58€97k€148k▲
Amounts receivable within one year40/41€20k€20k▼
Trade receivables40€19k€17k▼
Other amounts receivable41€299€2k▲
Current investments50/53-€100k
Cash at bank and in hand54/58€77k€29k▼
Equity and liabilities
Total equity and liabilities10/49€274k€322k▲
Equity10/15€74k€134k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€70k€130k▲
Amounts payable17/49€200k€187k▼
Amounts payable after more than one year17€161k€152k▼
Financial debts170/4€161k€152k▼
Amounts payable within one year42/48€39k€35k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€7k€0▼
Suppliers440/4€7k€0▼
Taxes, remuneration and social security45€23k€25k▲
Taxes450/3€23k€25k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€10k▲
Other operating charges640/8€296€498▲
Gross operating margin9900€73k€96k▲
Operating profit (loss)9901€70k€86k▲
Financial income75/76B€0€250▲
Recurring financial income75€0€250▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€60k€76k▲
Income taxes67/77€12k€16k▲
Profit (loss) for the period9904€48k€60k▲
Profit (loss) for the period to be appropriated9905€48k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€130k▲
Profit (loss) brought forward from the previous period14P€22k€70k▲
The notes to these accounts (9 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
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €60k ▲26.8%
Operating result €86k, net result €60k, both a record.
31-12
Financial
Equity above €100kEq €134k ▲81.8%
3 profitable years in a row build equity to €134k.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
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, Sint-Gillis-Waas · 1 establishment unit since 2023
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.
Puyveldestraat(SP) 519170 Sint-Gillis-WaasGround area
132 m²
Building footprint
183 m²
Parcel 46022B0822/00P000, Flanders. Linked by address, not a title deed.
1 establishment unit
Puyveldestraat(SP) 51, 9170 Sint-Gillis-Waas
since 20232.347.816.605
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46022B0822/00P000 | Flanders | 132 m² | 1 · 183 m² | - |
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
JOHAN VANSLAMBROUCK
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SCA Geel
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JAXA Accountants
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LE-CHIFFRE INVEST
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ComptAC's
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,637. 6,539 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2023
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.