Loma Studio
ActiveLoma Studio has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €10k. Equity is growing by ~70.8% per year across the filed fiscal years. Its solvency ranks better than 47% of 3451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +87 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency82▲+69
Growth78▲+46
Stability94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 0.63 in 2024), but 53% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
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
47%
Return on assets
35.4%
Age of the figures
11 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 23-03-2026, 38 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
38 d early
2024
5 d early
2023
26 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
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▲ 305%
2024 · €3k
2023: €6k
2024: €3k
2023 → 2025
Total assets
€29k▲ 28.4%
2024 · €23k
2023: €24k
2024: €23k
2023 → 2025
Net result
€10k
2024 · €-2k
2023: €672
2024: €-2k
2023 → 2025
Working capital
€6k
2024 · €-4k
2023: €-5k
2024: €-4k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€6k-€3k▼ 40.3%€14k▲ 305%
Operating result€3k-€-259€15k
Net result€672-€-2k€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €259 in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€10k▼ 25.7%
Current assets
€17k▲ 153%
Equity and liabilities €29k
Equity
€14k▲ 305%
Debt
€15k▼ 20.1%
The debt ratio falls from 85.1% to 53.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▲
2024 · €521
Cash flow
€14k▲
2024 · €-2k
Solvency
47.0%▲
2024 · 14.9%
Current ratio
1.55▲
2024 · 0.63
Quick ratio
1.55▲
2024 · 0.63
Debt / equity
1.13▼
2024 · 5.70
ROE
75.3%▲
2024 · -67.4%
ROA
35.4%▲
2024 · -10.1%
Interest coverage
31.79▲
2024 · 0.69
Debt
€15k▼
2024 · €19k
Debt ≤ 1 year
€11k▲
2024 · €11k
Debt > 1 year
€4k▼
2024 · €8k
Income taxes
€4k▲
2024 · €1k
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€23k€29k▲
Formation expenses20€2k€1k▼
Fixed assets21/28€14k€10k▼
Tangible fixed assets22/27€14k€10k▼
Furniture and vehicles24€14k€10k▼
Current assets29/58€7k€17k▲
Amounts receivable within one year40/41€6k€5k▼
Trade receivables40€6k€4k▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€93€12k▲
Deferred charges and accrued income490/1€318-
Equity and liabilities
Total equity and liabilities10/49€23k€29k▲
Equity10/15€3k€14k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-2k€9k▲
Amounts payable17/49€19k€15k▼
Amounts payable after more than one year17€8k€4k▼
Financial debts170/4€8k€4k▼
Amounts payable within one year42/48€11k€11k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€247€363▲
Suppliers440/4€247€363▲
Taxes, remuneration and social security45€4k€7k▲
Taxes450/3€4k€7k▲
Other amounts payable47/48€3k-
Accrued charges and deferred income492/3€264-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€780€4k▲
Other operating charges640/8€7k€45▼
Gross operating margin9900€7k€20k▲
Operating profit (loss)9901€-259€15k▲
Financial income75/76B-€3
Recurring financial income75-€3
Financial charges65/66B€760€612▼
Recurring financial charges65€760€612▼
Profit (loss) for the period before taxes9903€-1k€15k▲
Income taxes67/77€1k€4k▲
Profit (loss) for the period9904€-2k€10k▲
Profit (loss) for the period to be appropriated9905€-2k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€9k▲
Profit (loss) brought forward from the previous period14P€672€-2k▼
The notes to these accounts (5 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 1.55
Current ratio from 0.63 to 1.55.
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-2k ▼440%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ramillies · 1 establishment unit since 2023
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 Petit Warichet 341367 RamilliesGround area
1,503 m²
Building footprint
137 m²
Volume, LiDAR
908 m³
Parcel 25067B0693/00F000, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOMA STUDIO
since 20232.341.685.809
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25067B0693/00F000 | Wallonia | 1,503 m² | 1 · 137 m² | 8.8 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.
Similar companies · same sector, comparable size
Yves DELFORGE & Co
BE 0847.082.786
Nivelles · Eq €14k
ARQI CONSULTING
BE 0767.460.634
Mortsel · Eq €14k
Sigmagency
BE 0786.667.228
Waterloo · Eq €14k
TRACASS
BE 0788.368.092
Elsene · Eq €14k
VISIO VISION
BE 1000.701.389
Wijnegem · Eq €14k
Of 6,289 companies in sector 74120 we hold annual accounts for 1,001. 781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2023
Fiscal year end30-09
Activities, NACEBEL
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
18130Pre-press and pre-media services
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.