Lokamel
ActiveLokamel has been active since 1972 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €22k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 29% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-2
Solvency35▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 18.98 against 86.39 in 2024; short-term debt: 3.4% and cash: 55.7% of total assets), but 90.4% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
9.6%
Return on assets
10.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-04-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
37 d early
2023
33 d early
2022
30 d early
2021
30 d early
2020
28 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k
2024 · €-2k
2018: €-33k
2019: €-32k
2020: €-31k
2021: €-30k
2022: €-30k
2023: €-25k
2024: €-2k
2018 → 2025
Total assets
€205k▲ 5.6%
2024 · €194k
2018: €186k
2019: €187k
2020: €193k
2021: €187k
2022: €184k
2023: €180k
2024: €194k
2018 → 2025
Net result
€22k▼ 6.2%
2024 · €23k
2018: €332
2019: €151
2020: €1k
2021: €1k
2022: €518
2023: €5k
2024: €23k
2018 → 2025
Working capital
€124k▼ 1.5%
2024 · €126k
2018: €-65k
2019: €-64k
2020: €99k
2021: €96k
2022: €101k
2023: €107k
2024: €126k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-30k-€-30k▲ 1.7%€-25k▲ 15.5%€-2k▲ 92.0%€20k
Operating result€2k-€1k▼ 25.8%€5k▲ 352%€23k▲ 359%€21k▼ 9.5%
Net result€1k-€518▼ 50.3%€5k▲ 788%€23k▲ 400%€22k▼ 6.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€74k▲ 11.0%
Current assets
€131k▲ 2.8%
Equity and liabilities €205k
Equity
€20k
Debt
€186k
Debt finances 90.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€23k▼
2024 · €25k
Cash flow
€23k▼
2024 · €25k
Solvency
9.6%▲
2024 · -1.0%
Current ratio
18.98▼
2024 · 86.39
Quick ratio
17.19▼
2024 · 69.22
Debt / equity
9.47▲
2024 · -97.64
ROE
110.3%
ROA
10.5%▼
2024 · 11.9%
Interest coverage
335.12▲
2024 · 311.15
Debt
€186k▼
2024 · €196k
Debt ≤ 1 year
€7k▲
2024 · €1k
Debt > 1 year
€179k▼
2024 · €193k
Income taxes
€259=
2024 · €259
Staff costs
€126▼
2024 · €21k
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€194k€205k▲
Fixed assets21/28€67k€74k▲
Tangible fixed assets22/27€67k€74k▲
Land and buildings22€56k€61k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€8k€9k▲
Financial fixed assets28€135€135=
Current assets29/58€127k€131k▲
Stocks and contracts in progress3€25k€12k▼
Stocks30/36€25k€12k▼
Amounts receivable within one year40/41€8k€4k▼
Trade receivables40€306-
Other amounts receivable41€7k€4k▼
Cash at bank and in hand54/58€94k€114k▲
Equity and liabilities
Total equity and liabilities10/49€194k€205k▲
Equity10/15€-2k€20k▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€42k€42k=
Non-distributable reserves130/1€5k€5k=
Legal reserve130€5k€5k=
Tax-exempt reserves132€7k€7k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€-119k€-98k▲
Amounts payable17/49€196k€186k▼
Amounts payable after more than one year17€193k€179k▼
Financial debts170/4€190k€179k▼
Other amounts payable178/9€3k-
Amounts payable within one year42/48€1k€7k▲
Trade debts44€1k€937▼
Suppliers440/4€1k€937▼
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€259€259=
Taxes450/3€259€259=
Other amounts payable47/48-€5k
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€21k€126▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€9k€16k▲
Gross operating margin9900€56k€39k▼
Operating profit (loss)9901€23k€21k▼
Financial income75/76B-€791
Recurring financial income75-€791
Financial charges65/66B€81€68▼
Recurring financial charges65€81€68▼
Profit (loss) for the period before taxes9903€23k€22k▼
Income taxes67/77€259€259=
Profit (loss) for the period9904€23k€22k▼
Profit (loss) for the period to be appropriated9905€23k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-119k€-98k▲
Profit (loss) brought forward from the previous period14P€-142k€-119k▲
The notes to these accounts (6 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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €23k ▲400%
Operating result €23k, net result €23k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 86.39
Current ratio from 29.87 to 86.39; short-term debt falls from €4k to €1k.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity triplescurrent ratio 29.87
Current ratio from 10.18 to 29.87; short-term debt falls from €11k to €4k.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Liquidity times 8current ratio 5.03
Current ratio from 0.65 to 5.03; short-term debt falls from €182k to €25k.
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €151 ▼54.5%
Net result drops to €151, the lowest in the series; recovery starts the following year.
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Turnhout · 1 establishment unit since 1974
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.
Uitbreidingstraat 22300 TurnhoutGround area
1,263 m²
Building footprint
198 m²
Volume, LiDAR
862 m³
Parcel 13040B0943/00G000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LOKAMEL
since 19742.106.877.909
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13040B0943/00G000 | Flanders | 1,263 m² | 1 · 198 m² | 6.5 m · 1 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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Of 10,674 companies in sector 47811 we hold annual accounts for 5,223. 2,661 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-04-1972
Fiscal year end30-09
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
45194
46216Wholesale of agricultural produce and animal feed, general range
46713Wholesale trade
47789Other retail sale of new goods
51210
52498
Sources
Crossroads Bank for EnterprisesNational Bank · 48 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.