LOJEM
ActiveLOJEM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €19k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 64% of 1895 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+6
Solvency95▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.19 against 9.12 in 2024; short-term debt: 28% and cash: 77.9% of total assets), and 29.5% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
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
70.5%
Return on assets
17.6%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
70 d early
2023
118 d early
2022
143 d early
2021
23 d late
2020
31 d early
2019
7 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 3.1%
2024 · €72k
2018: €47k
2019: €47k
2020: €52k
2021: €63k
2022: €72k
2023: €61k
2024: €72k
2018 → 2025
Total assets
€106k▲ 22.4%
2024 · €87k
2018: €52k
2019: €55k
2020: €67k
2021: €70k
2022: €92k
2023: €101k
2024: €87k
2018 → 2025
Net result
€19k▲ 62.3%
2024 · €12k
2018: €19k
2019: €6k
2020: €12k
2021: €11k
2022: €17k
2023: €8k
2024: €12k
2018 → 2025
Working capital
€65k▲ 4.0%
2024 · €63k
2018: €41k
2019: €44k
2020: €51k
2021: €62k
2022: €68k
2023: €51k
2024: €63k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€72k▲ 13.8%€61k▼ 15.4%€72k▲ 18.9%€75k▲ 3.1%
Operating result€16k-€24k▲ 53.1%€13k▼ 47.0%€17k▲ 35.3%€27k▲ 55.8%
Net result€11k-€17k▲ 55.6%€8k▼ 50.7%€12k▲ 38.5%€19k▲ 62.3%
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 56% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€11k▼ 31.0%
Current assets
€95k▲ 34.8%
Equity and liabilities €106k
Equity
€75k▲ 3.1%
Debt
€31k▲ 121%
The debt ratio rises from 16.3% to 29.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€32k▲
2024 · €22k
Cash flow
€24k▲
2024 · €17k
Solvency
70.5%▼
2024 · 83.7%
Current ratio
3.19▼
2024 · 9.12
Quick ratio
3.19▼
2024 · 9.12
Debt / equity
0.42▲
2024 · 0.20
ROE
25.0%▲
2024 · 15.9%
ROA
17.6%▲
2024 · 13.3%
Interest coverage
63.35▲
2024 · 31.76
Debt
€31k▲
2024 · €14k
Debt ≤ 1 year
€30k▲
2024 · €8k
Debt > 1 year
€2k▼
2024 · €6k
Income taxes
€8k▲
2024 · €5k
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€87k€106k▲
Fixed assets21/28€16k€11k▼
Tangible fixed assets22/27€16k€11k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€14k€10k▼
Current assets29/58€70k€95k▲
Amounts receivable within one year40/41€8k€10k▲
Trade receivables40€7k€10k▲
Other amounts receivable41€320€414▲
Cash at bank and in hand54/58€62k€83k▲
Deferred charges and accrued income490/1€732€2k▲
Equity and liabilities
Total equity and liabilities10/49€87k€106k▲
Equity10/15€72k€75k▲
Contributions10/11€12k€12k=
Reserves13€54k€57k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€53k€55k▲
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€14k€31k▲
Amounts payable after more than one year17€6k€2k▼
Financial debts170/4€6k€2k▼
Amounts payable within one year42/48€8k€30k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€349€1k▲
Suppliers440/4€349€1k▲
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€3k€7k▲
Other amounts payable47/48€0€16k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€680€765▲
Gross operating margin9900€23k€32k▲
Operating profit (loss)9901€17k€27k▲
Financial income75/76B€536€483▼
Recurring financial income75€536€483▼
Financial charges65/66B€697€500▼
Recurring financial charges65€697€500▼
Profit (loss) for the period before taxes9903€17k€27k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€12k€19k▲
Profit (loss) for the period to be appropriated9905€12k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€24k▲
Profit (loss) brought forward from the previous period14P€6k€6k=
Transfer from equity791/2€0€16k▲
Transfer to equity691/2€12k€19k▲
To other reserves6921€12k€19k▲
Profit to be distributed694/7€0€16k▲
Return on contributions (dividend)694€0€16k▲
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
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 9.12
Current ratio from 2.72 to 9.12; short-term debt falls from €30k to €8k.
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 10.19
Current ratio from 4.40 to 10.19; short-term debt falls from €15k to €7k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €6k ▼70.8%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Dalhem · 1 establishment unit since 2009
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.
Avenue Albert Ier(DAL) 344607 DalhemGround area
264 m²
Building footprint
105 m²
Volume, LiDAR
639 m³
Parcel 62027A0359/00T000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOJEM
since 20092.182.115.661
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62027A0359/00T000 | Wallonia | 264 m² | 1 · 105 m² | 7.4 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.
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GEXIMMO
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GENERAL BUSINESS SYSTEMS
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FLOWSEC
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Of 2,731 companies in sector 63100 we hold annual accounts for 1,274. 978 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2009
Fiscal year end31-12
Activities, NACEBEL
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.