Equity
€86,444 ▲ 172%
Equity rose in 2025 from €31,758 to €86,444.
Lojeba
Lifetime
2 annual accounts with figures on one time axispeak €73,681 (2025)
€73,681▲ 97.2%
peak €54,687 (2025)
€54,687▲ 90.2%
peak €86,444 (2025)
€86,444▲ 172%
€25,343▲ 65.2%
Board1 name since 2024
1 directorLOUAGIE Jean-Baptiste Georges Emiel
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Gross margin from €37,368 to €73,681Result from €28,758 to €54,687Registered office moved within Beveren-Kruibeke-Zwijndrecht 06-08Equity from €31,758 to €86,444Debts from €15,338 to €25,343Investments €2,050
Key points
from the 2025 annual accountsTurnover
≈ €150,000 estimated
The micro format states no turnover.
Investments
€2,050 4.4 × depreciation
Green is investment, beige is depreciation.
Checked score
98
Excellent
Financially stronger than 87% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: < 0.1%lowest value
09-2025: 0.1%▲ +0.1 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026highest value
07-2026: < 0.1%▼ -0.1 percentage points vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Liquidity: current ratio 4.30, cash €108,740
Sector: Activities of head offices; management consultancy activities (NACE 70)
Equity €86,444 (77.3% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 86% on liquidity, 84% on profitability and 94% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as Lojeba has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Lojeba itself is lower: < 0.1% within 12 months. It rests on far more data about Lojeba than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for Lojeba. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €8,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 4.3 (3.0 in 2024), above the usual 1.5. Short-term debt is 22.7% and cash 97.3% of total assets. 22.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 29-06-2026, 32 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
32 days early
2024
37 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 35 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- LOUAGIE Jean-Baptiste Georges Emiel 100 sharesdeed of 04-07-2024
Recent changes
Registered office moved within Beveren-Kruibeke-Zwijndrecht
New registered office: Polderweg 5, 9120 Beveren-Kruibeke-Zwijndrecht · Previous registered office: Viergemeet 1 /202, 9120 Beveren-Kruibeke-Zwijndrecht · Board meeting of 24-07-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1011019518
Incorporation
Founding capital of €3,000, 100 shares · Founder: LOUAGIE Jean-Baptiste Georges Emiel (comparant/oprichter) · Appointment: LOUAGIE Jean-Baptiste Georges Emiel (statutory director) · published on 04-07-2024 · Gazette deed
First establishment
Polderweg 5, Beveren-Kruibeke-Zwijndrecht
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Lojeba Beveren-Kruibeke-Zwijndrecht | €111,788 | €73,681 | 77.3% | - |
| Montagne invest Aalter | €90,343 | €67,170 | 69.8% | - |
| B Plus Laarne | €98,774 | €70,490 | 61.9% | - |
| TDLX ENTERPRISE Bierbeek | €109,916 | €68,545 | 79.8% | - |
| CCLC Projets Brussels | €108,270 | €70,836 | 65.6% | - |
| STABERCO Grobbendonk | €105,422 | €72,268 | 80.4% | - |
| Demaire Middelkerke | €106,402 | €66,692 | 41.2% | - |
These companies have the same main activity as Lojeba: activities of head offices (NACE 70100). They are comparable in size and age: total assets between €90,300 and €110,000, founded in 2024.
Official details
Source: KBO- Status
- Active since 02-07-2024Normal situation
- Activity
- Activities of head officesNACE 70100
- Establishment unit
- 2.361.559.9219120 Beveren-Kruibeke-Zwijndrecht, since 02-07-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2024
Annual accounts 2025
- €111,788▲ 137%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on Lojeba
Lojeba has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €86,444 and a net result of €54,687.
Its solvency ranks better than 74% of 39,368 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Lojeba
- What is the company number of Lojeba?
- The company number of Lojeba is 1011.019.518. The VAT number is the same number with BE in front: BE 1011.019.518.
- Where is Lojeba based?
- The registered office is at Polderweg 5, 9120 Beveren-Kruibeke-Zwijndrecht.Company details
- What does Lojeba do?
- According to the KBO register, the main activity is activities of head offices (NACE 70100).
- What is the legal form of Lojeba?
- Lojeba is a private limited company (BV).
- When was Lojeba founded?
- Lojeba was founded on 02-07-2024.
- Is Lojeba still active?
- Yes, Lojeba is an active enterprise in the KBO register.
- What is the turnover of Lojeba?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €73,681 and 126 comparable companies (NACE 70). It probably lies between €110,000 and €190,000.Financials
- Is Lojeba profitable?
- In financial year 2025, Lojeba made a profit of €54,687.
- Where can I find the annual accounts of Lojeba?
- Lojeba filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Lojeba due?
- Lojeba must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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