LOKAREA CHARLEROI
ActiveLOKAREA CHARLEROI has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.55M and a net result of €492k. Equity is growing by ~146.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 9167 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-67
Solvency100▲+37
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
79.2%
Return on assets
25%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
2 d early
2024
31 d late
2023
30 d late
2022
67 d early
2021
31 d early
2020
46 d early
2019
42 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€2k▼ 97.6%
2024 · €83k
2018: €109k
2019: €34k
2021: €1.04M
2022: €859k
2023: €126k
2024: €83k
2018 → 2025
EBIT margin
-2148.2%▼ 2669.6pp
2024 · 521.3%
2018: -3.3%
2019: 15.0%
2021: 7.6%
2022: 14.1%
2023: -266.2%
2024: 521.3%
2018 → 2025
Net result
€492k▼ 30.4%
2024 · €706k
2018: €-4k
2019: €4k
2020: €16k
2021: €42k
2022: €109k
2023: €-58k
2024: €706k
2018 → 2025
Working capital
€7k▼ 98.4%
2024 · €460k
2018: €3k
2019: €6k
2020: €491k
2021: €465k
2022: €486k
2023: €429k
2024: €460k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.04M-€859k▼ 17.6%€126k▼ 85.3%€83k▼ 33.9%€2k▼ 97.6%
Equity€76k-€174k▲ 128%€357k▲ 105%€1.06M▲ 198%€1.55M▲ 46.3%
Operating result€79k-€121k▲ 52.6%€-336k€435k€-43k
Net result€42k-€109k▲ 161%€-58k€706k€492k▼ 30.4%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €43k after €435k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.96M
Fixed assets
€1.93M▲ 83.1%
Current assets
€31k▼ 98.2%
Equity and liabilities €1.96M
Equity
€1.55M▲ 46.3%
Debt
€408k▼ 76.7%
The debt ratio falls from 62.3% to 20.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-7k▼
2024 · €467k
Cash flow
€528k▼
2024 · €738k
Solvency
79.2%▲
2024 · 37.7%
Current ratio
1.31▼
2024 · 1.35
Quick ratio
1.31▼
2024 · 1.35
Debt / equity
0.26▼
2024 · 1.65
ROE
31.6%▼
2024 · 66.4%
ROA
25.0%▼
2024 · 25.1%
Interest coverage
-0.51▼
2024 · 24.19
Debt
€408k▼
2024 · €1.75M
Debt ≤ 1 year
€24k▼
2024 · €1.30M
Debt > 1 year
€375k▼
2024 · €450k
Staff costs
€-216▼
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€2.82M€1.96M▼
Fixed assets21/28€1.05M€1.93M▲
Tangible fixed assets22/27€315k€298k▼
Land and buildings22€264k€251k▼
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€26k€25k▼
Other tangible fixed assets26€15k€14k▼
Financial fixed assets28€740k€1.63M▲
Current assets29/58€1.76M€31k▼
Amounts receivable within one year40/41€1.73M€9k▼
Trade receivables40€49k€9k▼
Other amounts receivable41€1.68M-
Cash at bank and in hand54/58€31k€19k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€2.82M€1.96M▼
Equity10/15€1.06M€1.55M▲
Contributions10/11€269k€269k=
Capital10€269k€269k=
Issued capital100€269k€269k=
Reserves13€78k€78k=
Non-distributable reserves130/1€3k€3k=
Legal reserve130€3k€3k=
Distributable reserves133€75k€75k=
Profit (loss) carried forward14€716k€1.21M▲
Amounts payable17/49€1.75M€408k▼
Amounts payable after more than one year17€450k€375k▼
Financial debts170/4€450k€375k▼
Amounts payable within one year42/48€1.30M€24k▼
Current portion of amounts payable after more than one year42€23k€11k▼
Trade debts44€109k€4k▼
Suppliers440/4€109k€4k▼
Taxes, remuneration and social security45€15k€7k▼
Taxes450/3€15k€7k▼
Other amounts payable47/48€1.15M€1k▼
Accrued charges and deferred income492/3€2k€10k▲
Income statement
Code20242025
Turnover70€83k€2k▼
Non-recurring operating income76A€721k-
Goods, raw materials, services and sundry goods60/61€325k€159k▼
Remuneration, social security and pensions62€5k€-216▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€36k▲
Other operating charges640/8€8k€6k▼
Gross operating margin9900€480k€-1k▼
Operating profit (loss)9901€435k€-43k▼
Financial income75/76B€295k€548k▲
Recurring financial income75€295k€56▼
Non-recurring financial income76B-€548k
Financial charges65/66B€19k€13k▼
Recurring financial charges65€19k€13k▼
Profit (loss) for the period before taxes9903€711k€492k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€706k€492k▼
Profit (loss) for the period to be appropriated9905€706k€492k▼
Appropriation of the result
Profit (loss) to be appropriated9906€716k€1.21M▲
Profit (loss) brought forward from the previous period14P€10k€716k▲
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €706k
Net result €706k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.06M ▲198%
Equity rises from €357k to €1.06M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-58k ▼153%
Net result drops to €-58k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €357k ▲105%
Equity rises from €174k to €357k.
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €174k ▲128%
4 profitable years in a row build equity to €174k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Charleroi · 1 establishment unit since 2021
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.
Rue Julien Durant 306031 CharleroiGround area
1,196 m²
Building footprint
1,029 m²
Volume, LiDAR
4,381 m³
Parcel 52047B0133/00M002, Wallonia · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LOKAREA PROPERTY
since 20212.312.143.765
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52047B0133/00M002 | Wallonia | 1,196 m² | 1 · 1,029 m² | 5.2 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.
Similar companies · same sector, comparable size
Food Port
BE 0807.830.648
Tienen · Eq €1.55M
IMMOPUB
BE 0475.285.548
Ukkel · Eq €1.56M
Futurn C
BE 0641.884.632
Kortrijk · Eq €1.57M
EA PROJECTS
BE 0816.711.195
Halle · Eq €1.57M
Autonoom Gemeentebedrijf voor de Ontwikkeling van Sint-Truiden
BE 0810.744.410
Sint-Truiden · Eq €1.54M
Of 1,292 companies in sector 68122 we hold annual accounts for 901. 505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2017
Fiscal year end31-12
Abbreviation FR
LOKAREA
Activities, NACEBEL
68122Development of non-residential building projects
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:fernand.lefere@lokarea.com
E-mail:info@lokarea.com