LOKAMA
ActiveLOKAMA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €356k and a net result of €121k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 71% of 8584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 3.79 against 2.73 in 2024), and 25% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
75%
Return on assets
25.4%
Age of the figures
8 mo
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
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
77 d late
2023
29 d late
2022
24 d late
2021
30 d late
2020
37 d late
2019
109 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€356k▲ 45.1%
2024 · €245k
2018: €72k
2019: €81k
2020: €91k
2021: €101k
2022: €138k
2023: €175k
2024: €245k
2018 → 2025
Total assets
€474k▲ 27.4%
2024 · €372k
2018: €90k
2019: €88k
2020: €102k
2021: €114k
2022: €177k
2023: €216k
2024: €372k
2018 → 2025
Net result
€121k▼ 4.3%
2024 · €126k
2018: €16k
2019: €10k
2020: €11k
2021: €11k
2022: €38k
2023: €38k
2024: €126k
2018 → 2025
Working capital
€331k▲ 50.4%
2024 · €220k
2018: €48k
2019: €57k
2020: €69k
2021: €77k
2022: €114k
2023: €151k
2024: €220k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€138k▲ 37.1%€175k▲ 27.0%€245k▲ 39.8%€356k▲ 45.1%
Operating result€15k-€53k▲ 257%€53k▼ 0.2%€166k▲ 213%€170k▲ 2.9%
Net result€11k-€38k▲ 260%€38k▼ 0.1%€126k▲ 231%€121k▼ 4.3%
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 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €474k
Fixed assets
€25k▼ 0.8%
Current assets
€450k▲ 29.4%
Equity and liabilities €474k
Equity
€356k▲ 45.1%
Debt
€118k▼ 6.8%
The debt ratio falls from 34.2% to 25.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€171k▲
2024 · €166k
Cash flow
€121k▼
2024 · €126k
Solvency
75.0%▲
2024 · 65.8%
Current ratio
3.79▲
2024 · 2.73
Quick ratio
3.79▲
2024 · 2.73
Debt / equity
0.33▼
2024 · 0.52
ROE
33.9%▼
2024 · 51.4%
ROA
25.4%▼
2024 · 33.8%
Interest coverage
2867.96▼
2024 · 3456.85
Debt
€118k▼
2024 · €127k
Debt ≤ 1 year
€118k▼
2024 · €127k
Income taxes
€50k▼
2024 · €50k
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€372k€474k▲
Fixed assets21/28€25k€25k▼
Tangible fixed assets22/27€984€773▼
Plant, machinery and equipment23€984€773▼
Financial fixed assets28€24k€24k=
Current assets29/58€347k€450k▲
Amounts receivable within one year40/41€150k€22k▼
Trade receivables40€150k€22k▼
Cash at bank and in hand54/58€198k€427k▲
Equity and liabilities
Total equity and liabilities10/49€372k€474k▲
Equity10/15€245k€356k▲
Contributions10/11€12k€12k=
Reserves13€233k€343k▲
Distributable reserves133€233k€343k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€127k€118k▼
Amounts payable within one year42/48€127k€118k▼
Trade debts44€431€416▼
Suppliers440/4€431€416▼
Taxes, remuneration and social security45€73k€55k▼
Taxes450/3€73k€55k▼
Other amounts payable47/48€54k€63k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€72€211▲
Other operating charges640/8€921€144▼
Gross operating margin9900€167k€171k▲
Operating profit (loss)9901€166k€170k▲
Financial income75/76B€11k€0▼
Recurring financial income75€11k€0▼
Financial charges65/66B€48€59▲
Recurring financial charges65€48€59▲
Profit (loss) for the period before taxes9903€176k€170k▼
Income taxes67/77€50k€50k▼
Profit (loss) for the period9904€126k€121k▼
Profit (loss) for the period to be appropriated9905€126k€121k▼
Appropriation of the result
Profit (loss) to be appropriated9906€126k€121k▼
Transfer from equity791/2€56k€10k▼
Transfer to equity691/2€126k€121k▼
To other reserves6921€126k€121k▼
Profit to be distributed694/7€56k€10k▼
Return on contributions (dividend)694€56k€10k▼
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 77 days late
2024
31-12
Financial
Highest result since 2018net €126k ▲231%
Net result €126k, the highest in the series.
31-12
Financial
Equity above €200kEq €245k ▲39.8%
7 profitable years in a row build equity to €245k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Equity above €150kEq €175k ▲27%
6 profitable years in a row build equity to €175k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Equity above €100kEq €101k ▲10.8%
4 profitable years in a row build equity to €101k.
06-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 37 days late
2020
17-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 109 days late
2019
31-12
Financial
Weakest financial yearnet €10k ▼37.6%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 8.79
Current ratio from 3.59 to 8.79; short-term debt falls from €18k to €7k.
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 48 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
05-07
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
2 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, Gent · 1 establishment unit since 2012
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.
Tijl Uilenspiegelstraat 29050 GentGround area
933 m²
Building footprint
153 m²
Volume, LiDAR
914 m³
Parcel 44022A0597/00C000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tijl Uilenspiegelstraat 2, 9050 Gent
since 20122.215.475.248
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44022A0597/00C000 | Flanders | 933 m² | 1 · 153 m² | 9.5 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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YES!
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Deinze · Eq €356k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 36,996 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.