LOQUET
ActiveLOQUET has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €-2k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 67% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
78
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency99▼-1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.27 against 2.24 in 2024), and 37% of the assets are financed with debt.
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 · 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
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 →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€2k
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
29 d early
2023
16 d early
2022
12 d early
2021
48 d early
2020
25 d early
2019
32 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▼ 1.7%
2024 · €99k
2018: €49k
2019: €63k
2020: €76k
2021: €92k
2022: €105k
2023: €103k
2024: €99k
2018 → 2025
Total assets
€154k▲ 7.0%
2024 · €144k
2018: €98k
2019: €98k
2020: €123k
2021: €138k
2022: €147k
2023: €139k
2024: €144k
2018 → 2025
Net result
€-2k▲ 59.2%
2024 · €-4k
2018: €14k
2019: €13k
2020: €14k
2021: €16k
2022: €13k
2023: €-2k
2024: €-4k
2018 → 2025
Working capital
€72k▲ 28.6%
2024 · €56k
2018: €49k
2019: €58k
2020: €72k
2021: €90k
2022: €30k
2023: €43k
2024: €56k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€92k-€105k▲ 14.4%€103k▼ 2.1%€99k▼ 4.1%€97k▼ 1.7%
Operating result€25k-€21k▼ 17.6%€-677€-2k▼ 190%€-318▲ 83.8%
Net result€16k-€13k▼ 15.2%€-2k€-4k▼ 92.7%€-2k▲ 59.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €318 in 2025 against €2k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154k
Fixed assets
€25k▼ 42.0%
Current assets
€129k▲ 27.4%
Equity and liabilities €154k
Equity
€97k▼ 1.7%
Debt
€57k▲ 25.9%
The debt ratio rises from 31.5% to 37.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€17k▲
2024 · €16k
Cash flow
€16k▲
2024 · €14k
Solvency
63.0%▼
2024 · 68.5%
Current ratio
2.27▲
2024 · 2.24
Quick ratio
2.22▲
2024 · 2.18
Debt / equity
0.59▲
2024 · 0.46
ROE
-1.8%▲
2024 · -4.2%
ROA
-1.1%▲
2024 · -2.9%
Interest coverage
13.09▲
2024 · 7.29
Debt
€57k▲
2024 · €45k
Debt ≤ 1 year
€57k▲
2024 · €45k
Income taxes
€236▼
2024 · €253
Staff costs
€238▲
2024 · €166
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€144k€154k▲
Fixed assets21/28€42k€25k▼
Tangible fixed assets22/27€42k€25k▼
Plant, machinery and equipment23€1k€257▼
Furniture and vehicles24€41k€24k▼
Current assets29/58€101k€129k▲
Stocks and contracts in progress3€3k€3k▼
Stocks30/36€3k€3k▼
Amounts receivable within one year40/41€29k€31k▲
Trade receivables40€22k€23k▲
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58€68k€94k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€144k€154k▲
Equity10/15€99k€97k▼
Contributions10/11€6k€6k=
Reserves13€92k€90k▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€90k€90k▲
Amounts payable17/49€45k€57k▲
Amounts payable within one year42/48€45k€57k▲
Trade debts44€15k€26k▲
Suppliers440/4€15k€26k▲
Taxes, remuneration and social security45€613€2k▲
Taxes450/3€613€2k▲
Other amounts payable47/48€29k€29k▼
Income statement
Code20242025
Remuneration, social security and pensions62€166€238▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€18k€20k▲
Operating profit (loss)9901€-2k€-318▲
Financial income75/76B€221€187▼
Recurring financial income75€221€187▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-4k€-1k▲
Income taxes67/77€253€236▼
Profit (loss) for the period9904€-4k€-2k▲
Profit (loss) for the period to be appropriated9905€-4k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-2k▲
Transfer from equity791/2€4k€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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €105k ▲14.4%
5 profitable years in a row build equity to €105k.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €16k ▲15.1%
Operating result €25k, net result €16k, both a record.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Sint-Niklaas · 1 establishment unit since 2000
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.
Heimolenstraat 799100 Sint-NiklaasGround area
1,666 m²
Building footprint
284 m²
Volume, LiDAR
1,182 m³
Parcel 46444D0368/00D002, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Heimolenstraat 79, 9100 Sint-Niklaas
since 20002.096.593.830
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46444D0368/00D002 | Flanders | 1,666 m² | 1 · 284 m² | 6.5 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
KALAS BENELUX
BE 0549.775.709
Nijlen · Eq €97k
SPORTZ88
BE 0777.589.216
Bekkevoort · Eq €97k
DIMODA PLUS
BE 0898.754.983
Hasselt · Eq €97k
FM Textile
BE 0659.983.050
Antwerpen · Eq €98k
INEDITO
BE 0424.966.007
Ukkel · Eq €96k
Of 1,299 companies in sector 46423 we hold annual accounts for 806. 567 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2000
Fiscal year end31-12
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
51421
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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.