LORALES
ActiveSummary
LORALES has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €19k. Equity is growing by ~34.2% per year across the filed fiscal years. Its solvency ranks better than 20% of 3200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability59▲+2
Solvency43▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.25 against 0.41 in 2024; short-term debt: 14.5% and cash: 0.6% of total assets), and 82% of the assets are financed with debt.
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Signals
Six 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
18%
Return on assets
3.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 3200 sector peers (2025).
NBB · sector comparisonPosition among 3200 sector peers
Solvency
better than 20%
← weakest
strongest →
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 30-05-2026, 62 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
62 d early
2024
66 d early
2023
43 d early
2022
35 d early
2021
58 d early
2020
4 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€19k▼ 12.6%
2024 · €22k
Working capital
€-61k▼ 99.1%
2024 · €-30k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€35k▲ 152%€23k▼ 34.6%€32k▲ 40.7%€43k▲ 34.5%€43k▼ 0.3%
Net result€24k▲ 160%€13k▼ 46.5%€13k▲ 1.8%€22k▲ 62.6%€19k▼ 12.6%
Equity€34k▲ 135%€47k▲ 38.6%€60k▲ 28.4%€82k▲ 35.9%€101k▲ 23.1%
Total assets€281k▲ 6.0%€263k▼ 6.4%€557k▲ 112%€554k▼ 0.6%€558k▲ 0.8%
Debt€247k▼ 1.4%€216k▼ 12.6%€497k▲ 130%€472k▼ 5.0%€458k▼ 3.1%
Working capital€-10k▲ 26.8%€-14k▼ 39.3%€-33k▼ 130%€-30k▲ 8.3%€-61k▼ 99.1%
Staff (FTE)000
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €558k
Fixed assets
€538k ▲ 1.0%
Current assets
€21k ▼ 3.4%
Equity and liabilities €558k
Equity
€101k ▲ 23.1%
Debt
€458k ▼ 3.1%
Debt's share of the balance-sheet total falls from 85.2% to 82.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▼
2024 · €51k
Cash flow
€27k▼
2024 · €30k
Current ratio
0.25▼
2024 · 0.41
Debt to equity
4.54▼
2024 · 5.77
ROE
18.8%▼
2024 · 26.4%
ROA
3.4%▼
2024 · 3.9%
Interest coverage
4.29▲
2024 · 3.96
Debt ≤ 1 year
€81k▲
2024 · €52k
Debt > 1 year
€373k▼
2024 · €417k
Income taxes
€12k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €526 | €689 | €14k | €8k | €8k | ▲ 0.4% |
| Other operating charges640/8 | €348 | €3k | €2k | €7k | €6k | ▼ 16.9% |
| Gross operating margin9900 | €35k | €27k | €48k | €58k | €57k | ▼ 2.2% |
| Operating profit (loss)9901 | €35k | €23k | €32k | €43k | €43k | ▼ 0.3% |
| Financial income75/76B | €2 | €0 | - | - | - | - |
| Recurring financial income75 | €2 | €0 | - | - | - | - |
| Financial charges65/66B | €3k | €4k | €12k | €13k | €12k | ▼ 7.8% |
| Recurring financial charges65 | €3k | €4k | €12k | €13k | €12k | ▼ 7.8% |
| Profit (loss) for the period before taxes9903 | €32k | €18k | €20k | €30k | €31k | ▲ 2.9% |
| Income taxes67/77 | €7k | €5k | €7k | €8k | €12k | ▲ 43.7% |
| Profit (loss) for the period9904 | €24k | €13k | €13k | €22k | €19k | ▼ 12.6% |
| Profit (loss) for the period to be appropriated9905 | €24k | €13k | €13k | €22k | €19k | ▼ 12.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €281k | €263k | €557k | €554k | €558k | ▲ 0.8% |
| Formation expenses20 | €2k | €1k | €741 | €216 | €0 | ▼ 100% |
| Fixed assets21/28 | €250k | €252k | €540k | €533k | €538k | ▲ 1.0% |
| Tangible fixed assets22/27 | - | €2k | €290k | €283k | €288k | ▲ 1.9% |
| Land and buildings22 | - | - | €289k | €281k | €287k | ▲ 2.1% |
| Plant, machinery and equipment23 | - | €1k | €848 | €1k | €567 | ▼ 55.3% |
| Furniture and vehicles24 | - | €746 | €569 | €0 | - | - |
| Financial fixed assets28 | €250k | €250k | €250k | €250k | €250k | = |
| Current assets29/58 | €29k | €10k | €17k | €21k | €21k | ▼ 3.4% |
| Amounts receivable within one year40/41 | €11k | €2k | €6k | €16k | €1k | ▼ 93.4% |
| Trade receivables40 | €9k | €1k | €6k | €16k | €0 | ▼ 100% |
| Other amounts receivable41 | €2k | €567 | €0 | - | €1k | - |
| Cash at bank and in hand54/58 | €13k | €4k | €7k | €4k | €3k | ▼ 17.0% |
| Deferred charges and accrued income490/1 | €5k | €4k | €3k | €879 | €16k | ▲ 1,741% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €281k | €263k | €557k | €554k | €558k | ▲ 0.8% |
| Equity10/15 | €34k | €47k | €60k | €82k | €101k | ▲ 23.1% |
| Contributions10/11 | €5k | €5k | €5k | €5k | €5k | = |
| Reserves13 | €29k | €42k | €55k | €77k | €96k | ▲ 24.6% |
| Distributable reserves133 | €29k | €42k | €55k | €77k | €96k | ▲ 24.6% |
| Profit (loss) carried forward14 | €0 | €0 | - | - | - | - |
| Amounts payable17/49 | €247k | €216k | €497k | €472k | €458k | ▼ 3.1% |
| Amounts payable after more than one year17 | €208k | €191k | €446k | €417k | €373k | ▼ 10.5% |
| Financial debts170/4 | €83k | €66k | €238k | €210k | €181k | ▼ 13.9% |
| Other amounts payable178/9 | €125k | €125k | €207k | €207k | €193k | ▼ 7.1% |
| Amounts payable within one year42/48 | €39k | €24k | €50k | €52k | €81k | ▲ 57.0% |
| Current portion of amounts payable after more than one year42 | €18k | €18k | €30k | €31k | €32k | ▲ 5.6% |
| Trade debts44 | €10k | €360 | €529 | €606 | €629 | ▲ 3.8% |
| Suppliers440/4 | €10k | €360 | €529 | €606 | €629 | ▲ 3.8% |
| Taxes, remuneration and social security45 | €3k | €479 | €8k | €11k | €10k | ▼ 5.9% |
| Taxes450/3 | €3k | €479 | €8k | €11k | €10k | ▼ 5.9% |
| Other amounts payable47/48 | €9k | €5k | €12k | €9k | €38k | ▲ 301% |
| Accrued charges and deferred income492/3 | - | €939 | €2k | €3k | €3k | ▼ 4.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24k | €13k | €13k | €22k | €19k | ▼ 12.6% |
| + Depreciation and write-downs630 | €526 | €689 | €14k | €8k | €8k | ▲ 0.4% |
| Operating cash flow (approximation) | €25k | €14k | €28k | €30k | €27k | ▼ 9.1% |
| Investment in fixed assets (approximation) | - | €-3k | €-302k | €-826 | €-14k | ▼ 1,536% |
| Change in cash | - | €-10k | €3k | €-3k | €-661 | ▲ 80.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €100kEq €101k ▲23.1%
6 profitable years in a row build equity to €101k.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2020net €24k ▲160%
Net result €24k, the highest in the series.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Court-Saint-Etienne · 1 establishment unit since 2020
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.
Av des Prisonniers de Guerre 27/A0001490 Court-Saint-Etienne1 establishment unit
LORALES
since 20202.303.890.649
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,587. 40,604 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.