LOKAAL
ActiveLOKAAL has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €90k. Equity is growing by ~41.8% per year across the filed fiscal years. Its solvency ranks better than 24% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-2
Solvency43▼-29
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.64 in 2024; short-term debt: 66.5% and cash: 44.2% of total assets), and 81.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
18.4%
Return on assets
17.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 7993 sector peers (2025).
NBB · sector comparisonPosition among 7993 sector peers
Solvency
better than 24%
← weakest
strongest →
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 04-06-2026, 57 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
57 d early
2024
93 d early
2023
55 d early
2022
61 d early
2021
4 d early
2020
37 d early
2019
22 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€93k▼ 43.4%
2024 · €165k
2018: €-26k
2019: €8k
2020: €25k
2021: €44k
2022: €68k
2023: €98k
2024: €165k
2018 → 2025
Total assets
€508k▲ 46.3%
2024 · €348k
2018: €204k
2019: €174k
2020: €358k
2021: €503k
2022: €346k
2023: €392k
2024: €348k
2018 → 2025
Net result
€90k▲ 34.1%
2024 · €67k
2018: €-45k
2019: €34k
2020: €17k
2021: €19k
2022: €24k
2023: €30k
2024: €67k
2018 → 2025
Working capital
€59k▼ 31.3%
2024 · €86k
2018: €32k
2019: €53k
2020: €173k
2021: €53k
2022: €28k
2023: €33k
2024: €86k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€68k▲ 55.2%€98k▲ 43.3%€165k▲ 68.9%€93k▼ 43.4%
Operating result€23k-€14k▼ 39.0%€45k▲ 217%€90k▲ 102%€121k▲ 34.0%
Net result€19k-€24k▲ 30.9%€30k▲ 21.7%€67k▲ 128%€90k▲ 34.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 34% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €508k
Fixed assets
€112k▼ 12.5%
Current assets
€397k▲ 80.3%
Equity and liabilities €508k
Equity
€93k▼ 43.4%
Debt
€415k▲ 127%
The debt ratio rises from 52.5% to 81.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€147k▲
2024 · €114k
Cash flow
€117k▲
2024 · €91k
Solvency
18.4%▼
2024 · 47.5%
Current ratio
1.17▼
2024 · 1.64
Quick ratio
1.17▼
2024 · 1.64
Debt / equity
4.44▲
2024 · 1.11
ROE
96.7%▲
2024 · 40.8%
ROA
17.8%▼
2024 · 19.4%
Interest coverage
20.72▼
2024 · 57.79
Debt
€415k▲
2024 · €183k
Debt ≤ 1 year
€338k▲
2024 · €135k
Debt > 1 year
€0▼
2024 · €2k
Income taxes
€29k▲
2024 · €24k
Staff costs
€66k▲
2024 · €43k
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€348k€508k▲
Fixed assets21/28€127k€112k▼
Intangible fixed assets21€123k€107k▼
Tangible fixed assets22/27€4k€4k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€4k€2k▼
Financial fixed assets28-€300
Current assets29/58€220k€397k▲
Amounts receivable within one year40/41€68k€64k▼
Trade receivables40€40k€55k▲
Other amounts receivable41€28k€9k▼
Current investments50/53€44k€106k▲
Cash at bank and in hand54/58€105k€225k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€348k€508k▲
Equity10/15€165k€93k▼
Contributions10/11€19k€19k=
Reserves13€147k€75k▼
Distributable reserves133€147k€75k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€183k€415k▲
Amounts payable after more than one year17€2k€0▼
Financial debts170/4€2k€0▼
Amounts payable within one year42/48€135k€338k▲
Current portion of amounts payable after more than one year42€22k€2k▼
Trade debts44€100k€148k▲
Suppliers440/4€100k€148k▲
Taxes, remuneration and social security45€12k€26k▲
Taxes450/3€6k€11k▲
Remuneration and social security454/9€6k€15k▲
Other amounts payable47/48€840€162k▲
Accrued charges and deferred income492/3€46k€77k▲
Income statement
Code20242025
Remuneration, social security and pensions62€43k€66k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€26k▲
Other operating charges640/8€779€855▲
Gross operating margin9900€158k€214k▲
Operating profit (loss)9901€90k€121k▲
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€2k€7k▲
Recurring financial charges65€2k€7k▲
Profit (loss) for the period before taxes9903€91k€119k▲
Income taxes67/77€24k€29k▲
Profit (loss) for the period9904€67k€90k▲
Profit (loss) for the period to be appropriated9905€67k€90k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€90k▲
Transfer from equity791/2-€72k
Transfer to equity691/2€67k€0▼
To other reserves6921€67k€0▼
Profit to be distributed694/7-€162k
Return on contributions (dividend)694-€150k
Directors or managers695-€12k
The notes to these accounts (19 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €90k ▲34.1%
Operating result €121k, net result €90k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €165k ▲68.9%
6 profitable years in a row build equity to €165k.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Deerlijk · 1 establishment unit 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.
Veldstraat 188540 DeerlijkGround area
449 m²
Building footprint
129 m²
Volume, LiDAR
800 m³
Parcel 34392C0149/00M003, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOKAAL
since 20172.263.452.240
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34392C0149/00M003 | Flanders | 449 m² | 1 · 129 m² | 10.4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 8,904 EUR awarded · 8,904 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 324 EUR | 324 EUR |
| 2024 | 1 | 0 EUR | 510 EUR |
| 2023 | 1 | 1,170 EUR | 2,369 EUR |
| 2022 | 1 | 7,410 EUR | 5,701 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteDeerlijk2.263.452.240
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Of 409 companies in sector 46110 we hold annual accounts for 173. 126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2017
Fiscal year end31-12
Activities, NACEBEL
46110Wholesale trade
82300Organisation of conventions and trade shows
47279Other retail sale of food
47299Retail trade
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.