LONCKE
ActiveLONCKE has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.25M and a net result of €145k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 94% of 4827 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+4
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 10.01 against 12.56 in 2024), and 8.6% 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
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
91.4%
Return on assets
10.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
31 d early
2023
1 d early
2022
on the day
2021
45 d early
2020
53 d early
2019
20 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€145k▲ 20.2%
2024 · €121k
2018: €35k
2019: €30k
2020: €45k
2021: €63k
2022: €39k
2023: €98k
2024: €121k
2018 → 2025
Working capital
€1.04M▲ 20.9%
2024 · €863k
2018: €620k
2019: €590k
2020: €670k
2021: €717k
2022: €650k
2023: €734k
2024: €863k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€976k-€896k▼ 8.2%€992k▲ 10.8%€1.11M▲ 12.0%€1.25M▲ 12.9%
Operating result€94k-€59k▼ 36.8%€146k▲ 146%€177k▲ 21.5%€213k▲ 20.2%
Net result€63k-€39k▼ 37.2%€98k▲ 150%€121k▲ 23.0%€145k▲ 20.2%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 20% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.37M
Fixed assets
€212k▼ 19.2%
Current assets
€1.16M▲ 23.7%
Equity and liabilities €1.37M
Equity
€1.25M▲ 12.9%
Debt
€117k▲ 31.4%
The debt ratio rises from 7.4% to 8.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€232k▲
2024 · €208k
Cash flow
€165k▲
2024 · €152k
Solvency
91.4%▼
2024 · 92.6%
Current ratio
10.01▼
2024 · 12.56
Quick ratio
8.55▼
2024 · 9.94
Debt / equity
0.09▲
2024 · 0.08
ROE
11.6%▲
2024 · 10.9%
ROA
10.6%▲
2024 · 10.1%
Interest coverage
86.70▲
2024 · 61.38
Debt
€117k▲
2024 · €89k
Debt ≤ 1 year
€116k▲
2024 · €75k
Debt > 1 year
€1k▼
2024 · €14k
Income taxes
€65k▲
2024 · €53k
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€1.20M€1.37M▲
Fixed assets21/28€263k€212k▼
Tangible fixed assets22/27€263k€212k▼
Land and buildings22€201k€198k▼
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€60k€12k▼
Current assets29/58€938k€1.16M▲
Stocks and contracts in progress3€196k€169k▼
Stocks30/36€196k€169k▼
Amounts receivable within one year40/41€125k€25k▼
Trade receivables40€125k€25k▼
Cash at bank and in hand54/58€612k€960k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.37M▲
Equity10/15€1.11M€1.25M▲
Contributions10/11€548k€548k=
Capital10€548k€548k=
Issued capital100€548k€548k=
Reserves13€501k€646k▲
Non-distributable reserves130/1€39k€46k▲
Legal reserve130€39k€46k▲
Tax-exempt reserves132€528€528=
Distributable reserves133€462k€600k▲
Profit (loss) carried forward14€62k€60k▼
Amounts payable17/49€89k€117k▲
Amounts payable after more than one year17€14k€1k▼
Financial debts170/4€14k€1k▼
Amounts payable within one year42/48€75k€116k▲
Current portion of amounts payable after more than one year42€14k€13k▼
Trade debts44€2k€34k▲
Suppliers440/4€2k€34k▲
Taxes, remuneration and social security45€36k€51k▲
Taxes450/3€36k€51k▲
Other amounts payable47/48€22k€18k▼
Accrued charges and deferred income492/3€435€328▼
Income statement
Code20242025
Non-recurring operating income76A-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€20k▼
Other operating charges640/8€9k€8k▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€216k€244k▲
Operating profit (loss)9901€177k€213k▲
Financial income75/76B€15€2▼
Recurring financial income75€15€2▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€174k€210k▲
Income taxes67/77€53k€65k▲
Profit (loss) for the period9904€121k€145k▲
Profit (loss) for the period to be appropriated9905€121k€145k▲
Appropriation of the result
Profit (loss) to be appropriated9906€185k€207k▲
Profit (loss) brought forward from the previous period14P€64k€62k▼
Transfer to equity691/2€121k€145k▲
To the legal reserve6920€6k€7k▲
To other reserves6921€115k€138k▲
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (12 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €145k ▲20.2%
Operating result €213k, net result €145k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €1MEq €1.11M ▲12%
7 profitable years in a row build equity to €1.11M.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity triplescurrent ratio 19.42
Current ratio from 7.54 to 19.42; short-term debt falls from €90k to €36k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
31-12
Financial
Weakest financial yearnet €30k ▼13.4%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Maldegem · 1 establishment unit since 1993
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.
Brugse Steenweg 2279990 MaldegemGround area
1,877 m²
Building footprint
621 m²
Volume, LiDAR
2,731 m³
Parcel 43503H1629/00M003, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LONCKE
since 19932.060.760.644
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43503H1629/00M003 | Flanders | 1,877 m² | 1 · 621 m² | 9.9 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
TRANS CAR BELGIUM
BE 0479.875.034
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DUFOUR ATH
BE 0824.508.314
Ath · Eq €1.24M
VODIMA
BE 0861.662.480
Diksmuide · Eq €1.27M
MONS TRUCK INDUSTRY
BE 0472.853.125
Mons · Eq €1.27M
TH Trucks Hainaut
BE 0415.072.995
La Louvière · Eq €1.23M
Of 2,121 companies in sector 46711 we hold annual accounts for 1,122. 559 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-12-1992
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
50101
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.