LOMAN
ActiveLOMAN has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.16M and a net result of €-61k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 80% of 428 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-21
Solvency67▼-8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days only on tighter terms
Liquidity short (current ratio 0.49 against 0.86 in 2024), and 22.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 · 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
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
77.1%
Return on assets
-0.9%
Age of the figures
14 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
49 d early
2023
47 d early
2022
on the day
2021
3 d early
2020
19 d late
2019
60 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-61k
2024 · €215k
2019: €-2.89M
2020: €3.34M
2021: €-98k
2022: €1.33M
2023: €-905k
2024: €215k
2019 → 2025
Working capital
€-198k▼ 295%
2024 · €-50k
2019: €-583k
2020: €2.60M
2021: €1.70M
2022: €894k
2023: €-377k
2024: €-50k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.58M-€5.91M▲ 29.1%€5.00M▼ 15.3%€5.22M▲ 4.3%€5.16M▼ 1.2%
Operating result€-170k-€62k€-68k€-108k▼ 59.4%€-108k▲ 0.8%
Net result€-98k-€1.33M€-905k€215k€-61k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €108k in 2025 against €108k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.69M
Fixed assets
€6.50M▲ 0.2%
Current assets
€194k▼ 36.4%
Equity and liabilities €6.69M
Equity
€5.16M▼ 1.2%
Provisions
€1.12M▼ 4.7%
Debt
€416k▲ 5.2%
The debt ratio rises from 5.8% to 6.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€227k▲
2024 · €217k
Cash flow
€273k▼
2024 · €540k
Solvency
77.1%▲
2024 · 76.9%
Current ratio
0.49▼
2024 · 0.86
Quick ratio
0.49▼
2024 · 0.86
Debt / equity
0.08▲
2024 · 0.08
ROE
-1.2%▼
2024 · 4.1%
ROA
-0.9%▼
2024 · 3.2%
Interest coverage
38.54▲
2024 · 37.41
Debt
€416k▲
2024 · €396k
Debt ≤ 1 year
€393k▲
2024 · €356k
Income taxes
€424▼
2024 · €458
Staff costs
€40k▲
2024 · €40k
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€6.79M€6.69M▼
Fixed assets21/28€6.48M€6.50M▲
Tangible fixed assets22/27€6.48M€6.50M▲
Land and buildings22€6.29M€6.35M▲
Plant, machinery and equipment23€75k€71k▼
Furniture and vehicles24€100k€68k▼
Other tangible fixed assets26€16k€6k▼
Financial fixed assets28€763€763=
Current assets29/58€306k€194k▼
Amounts receivable within one year40/41€70k€65k▼
Trade receivables40€60k€65k▲
Other amounts receivable41€10k€76▼
Cash at bank and in hand54/58€219k€102k▼
Deferred charges and accrued income490/1€17k€27k▲
Equity and liabilities
Total equity and liabilities10/49€6.79M€6.69M▼
Equity10/15€5.22M€5.16M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€3.53M€3.37M▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€3.52M€3.35M▼
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€1.63M€1.73M▲
Provisions and deferred taxes16€1.17M€1.12M▼
Deferred taxes168€1.17M€1.12M▼
Amounts payable17/49€396k€416k▲
Amounts payable within one year42/48€356k€393k▲
Trade debts44€83k€93k▲
Suppliers440/4€83k€93k▲
Advances received on contracts in progress46-€11k
Taxes, remuneration and social security45€14k€26k▲
Taxes450/3€11k€23k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€259k€263k▲
Accrued charges and deferred income492/3€40k€23k▼
Income statement
Code20242025
Remuneration, social security and pensions62€40k€40k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€326k€335k▲
Other operating charges640/8€19k€43k▲
Gross operating margin9900€276k€310k▲
Operating profit (loss)9901€-108k€-108k▲
Financial income75/76B€272k€345▼
Recurring financial income75€0€345▲
Non-recurring financial income76B€272k-
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€6k▲
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€157k€-116k▼
Transfer from deferred taxes780€58k€55k▼
Income taxes67/77€458€424▼
Profit (loss) for the period9904€215k€-61k▼
Transfer from tax-exempt reserves789€173k€164k▼
Profit (loss) for the period to be appropriated9905€388k€103k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.63M€1.73M▲
Profit (loss) brought forward from the previous period14P€1.24M€1.63M▲
The notes to these accounts (8 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 2 days late
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Back to profitnet €215k
Net result €215k after one loss-making year.
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €1.33M
Net result €1.33M after one loss-making year.
30-06
Financial
Equity above €5MEq €5.91M ▲29.1%
Equity rises from €4.58M to €5.91M.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
30-06
Financial
Back to profitnet €3.34M
Net result €3.34M after one loss-making year.
30-06
Financial
Liquidity times 10current ratio 7.61
Current ratio from 0.77 to 7.61; short-term debt falls from €2.51M to €393k.
30-06
Financial
Equity above €2MEq €4.68M ▲249%
Equity rises from €1.34M to €4.68M.
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
16-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2025
Marie VANBELLE
CurrentDirector · since 20-12-2023
Michel VANBELLE
CurrentDirector · since 20-12-2023
01-02-2025
Marie VANBELLE: Resigned as Director
20-12-2023
Marie VANBELLE: Appointed as Director
20-12-2023
Michel VANBELLE: Appointed as Director
Location & real-estate footprint
Registered office, Charleroi · 2 establishment units since 1982
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.
Place Albert Ier 446061 CharleroiGround area
2,627 m²
Building footprint
771 m²
Volume, LiDAR
3,936 m³
2 parcels, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
LOMAN
since 19822.102.355.828
LOMAN
since 20152.249.359.427
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52049C0878/00T003 | Wallonia | 2,359 m² | 1 · 722 m² | 6.7 m · 1 fl. |
| 52049C0162/00N003 | Wallonia | 268 m² | 1 · 49 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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I.B.I.S.
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Of 9,094 companies in sector 68201 we hold annual accounts for 6,725. 3,086 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-10-1982
Fiscal year end30-06
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
71320
77320Rental and leasing activities
47789Other retail sale of new goods
49410Freight transport by road
52498
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 42 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.