Summary
LORALY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.2m and a net result of €233,181. Its solvency ranks better than 95% of 8061 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 19-07-2026, 12 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
12 d early
2024
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 21 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€2.2m▲ 11.7%
2024 · €2.0m
Net result
€233,181▼ 52.8%
2024 · €494,158
Total assets
€2.3m▲ 12.5%
2024 · €2.0m
Solvency
98.7%▼ 0.7pp
2024 · 99.4%
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
Line20242025
Operating result€494,791-€256,722▼ 48.1%
Net result€494,158-€233,181▼ 52.8%
Equity€2.0m-€2.2m▲ 11.7%
Total assets€2.0m-€2.3m▲ 12.5%
Debt€11,932-€28,865▲ 142%
Working capital€494,158-€727,339▲ 47.2%
Solvency99.4%-98.7%▼ 0.7pp
Turnover and EBIT margin not published: the micro schema does not require them.
Why a figure moved sharply
- 2025 Net result -53% on 2024. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.3m
Fixed assets
€1.5m =
Current assets
€756,204 ▲ 49.4%
Equity and liabilities €2.3m
Equity
€2.2m ▲ 11.7%
Debt
€28,865 ▲ 142%
Debt's share of the balance-sheet total rises from 0.6% to 1.3%. Equity and debt are higher.
Key figures and ratios
ROE
10.5%▼
2024 · 24.8%
ROA
10.3%▼
2024 · 24.6%
Debt ≤ 1 year
€28,865▲
2024 · €11,932
Income taxes
€25,573
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €374 | €280 | ▼ 25.1% |
| Gross operating margin9900 | €495,165 | €257,002 | ▼ 48.1% |
| Operating profit (loss)9901 | €494,791 | €256,722 | ▼ 48.1% |
| Financial income75/76B | €67 | €2,075 | ▲ 2,999% |
| Recurring financial income75 | €67 | €2,075 | ▲ 2,999% |
| Financial charges65/66B | €699 | €43 | ▼ 93.9% |
| Recurring financial charges65 | €699 | €43 | ▼ 93.9% |
| Profit (loss) for the period before taxes9903 | €494,158 | €258,754 | ▼ 47.6% |
| Income taxes67/77 | - | €25,573 | - |
| Profit (loss) for the period9904 | €494,158 | €233,181 | ▼ 52.8% |
| Profit (loss) for the period to be appropriated9905 | €494,158 | €233,181 | ▼ 52.8% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €2.0m | €2.3m | ▲ 12.5% |
| Fixed assets21/28 | €1.5m | €1.5m | = |
| Financial fixed assets28 | €1.5m | €1.5m | = |
| Current assets29/58 | €506,090 | €756,204 | ▲ 49.4% |
| Amounts receivable within one year40/41 | €897 | €1,130 | ▲ 25.9% |
| Other amounts receivable41 | €897 | €1,130 | ▲ 25.9% |
| Current investments50/53 | - | €650,000 | - |
| Cash at bank and in hand54/58 | €505,193 | €105,074 | ▼ 79.2% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €2.0m | €2.3m | ▲ 12.5% |
| Equity10/15 | €2.0m | €2.2m | ▲ 11.7% |
| Contributions10/11 | €1.5m | €1.5m | = |
| Reserves13 | - | €233,181 | - |
| Distributable reserves133 | - | €233,181 | - |
| Profit (loss) carried forward14 | €494,158 | €494,158 | = |
| Amounts payable17/49 | €11,932 | €28,865 | ▲ 142% |
| Amounts payable within one year42/48 | €11,932 | €28,865 | ▲ 142% |
| Trade debts44 | €40 | - | - |
| Suppliers440/4 | €40 | - | - |
| Taxes, remuneration and social security45 | - | €25,573 | - |
| Taxes450/3 | - | €25,573 | - |
| Other amounts payable47/48 | €11,892 | €3,292 | ▼ 72.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €494,158 | €233,181 | ▼ 52.8% |
| Operating cash flow (approximation) | €494,158 | €233,181 | ▼ 52.8% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€400,119 | - |
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
19-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €2mEq €2.2m ▲11.7%
2 profitable years in a row build equity to €2.2m.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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, Ukkel · 1 establishment unit since 2024
Ground area
157 m²
Building footprint
59 m²
Volume, LiDAR
547 m³
Parcel 21016B0020/00R009, Brussels · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
LORALY
since 20242.353.972.541
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21016B0020/00R009 | Brussels | 157 m² | 1 · 59 m² | 12.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 10,600 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
Founded15-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:1003480935
Also
9925:BE1003480935
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.