Losses
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Lower net result than 90% of companies in personal services. Sector median €2,797 · 5,760 companies.
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro). It does better than 74% of them on solvency, 38% on liquidity, 21% on profitability and 28% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 2,145 companies had the same profile as LOMENDI has now. Each dot stands for 6 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of LOMENDI itself: 1.9% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,145 companies, not a prediction for LOMENDI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is insufficient, with a current ratio of 0.04 (0.16 in 2024), below 1. Short-term debt is 18% and cash 0.3% of total assets. 42.8% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 2 accounts on average 1 day before the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| LOMENDI Braine-le-Comte | €221,122 | -€1,174 | 57.2% | - |
| BEAUTY BY ZOI Overijse | €229,074 | €30 | -1.4% | - |
| KD BRILLANCE Asse | €197,165 | -€26,350 | -30.1% | - |
| The Laser Studio Hulshout | €295,719 | -€9,863 | -10.3% | - |
| LA BELLE FILLE Zedelgem | €232,139 | -€10,272 | 17.3% | - |
| WoWBeauty Buggenhout | €182,087 | -€40,971 | -44.7% | - |
| L.P. PROJET Mons | €171,027 | €2,124 | -13.6% | - |
These companies have the same main activity as LOMENDI: beauty care and other beauty treatments (NACE 96220). They are comparable in size and age: total assets between €171,000 and €296,000, founded between 2021 and 2024.
The computed 12-month bankruptcy probability of LOMENDI is 1.9% (moderate). The 2025 annual accounts show equity of €126,409 and a net result of -€16,080.
Its solvency ranks better than 74% of 5,753 sector peers (NACE 96, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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