Equity
-€38,918
Debts exceed assets in financial year 2025.
Loravi
Lifetime
5 annual accounts with figures on one time axispeak €23,198 (2021)
€19,757▲ 11.4%
lowest -€38,704 (2023)
-€5,300▲ €1,651
peak €24,719 (2021)
-€38,918▼ €5,300
€672,488▼ 0.2%
Board1 name since 2020
1 directorTom De Boever
Owners
Documentsfilings and deeds
19-06-202642 days before the deadline
2025micro format
Loss of €5,300Equity from -€33,618 to -€38,918Cash from €14,354 to €28,951
Key points
from the 2025 annual accountsLosses
-€63,637 in four years
Every financial year from 2022 to 2025 closed with a loss. 2023 was the heaviest.
Turnover
≈ €82,000 estimated
The accounts state no turnover.
Debts
€672,488 106% of the balance sheet
After one year 0%Within one year 100%
Of this, €672,076 falls due within a year.
Filings
5 annual accounts since 2021
The last five annual accounts were filed 35 to 42 days before the end of the period.
Position in the sector
-€38,918
Less equity than 88% of companies in real estate. Sector median €73,055 · 17,210 companies.
Checked score
54
Fair
Financially stronger than 25% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.2%
01-2025: 1.2%● unchanged vs 12-2024
02-2025: 1.3%▲ +0.1 percentage points vs 01-2025
03-2025: 1.3%● unchanged vs 02-2025
04-2025: 1.3%● unchanged vs 03-2025
05-2025: 1.3%● unchanged vs 04-2025
06-2025: 1.4%▲ +0.1 percentage points vs 05-2025highest value
07-2025: 0.7%▼ -0.7 percentage points vs 06-2025
08-2025: 0.7%● unchanged vs 07-2025
09-2025: 0.7%● unchanged vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.8%▲ +0.1 percentage points vs 11-2025
01-2026: 0.8%● unchanged vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 1.0%▲ +0.2 percentage points vs 04-2026
06-2026: 1.0%● unchanged vs 05-2026
07-2026: 1.1%▲ +0.1 percentage points vs 06-2026
08-2026: 0.5%▼ -0.6 percentage points vs 07-2026
09-2026: 0.6%▲ +0.1 percentage points vs 08-2026
10-2026: 0.3%▼ -0.3 percentage points vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€38,918
lowers risk
Size: total assets €633,569
Sector: Real estate activities (NACE 68)
Figures for financial year 2025 (filed on 19-06-2026)
Calculation
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 68, micro). It does better than 15% of them on solvency, 8% on liquidity, 54% on profitability and 24% 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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).
Comparable companies, two years later
In July 2024, 1,167 companies had the same profile as Loravi has now. Each dot stands for 3 companies, two years later.
94.9%
were still trading
2.8%
stopped another way
2.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Loravi itself is lower: 0.3% within 12 months. It rests on far more data about Loravi than the profile alone.
Test of the method
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 1,167 companies, not a prediction for Loravi. 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.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.05 (0.03 in 2024), below 1. Short-term debt is 106.1% and cash 4.6% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€38,918
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 19-06-2026, 42 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
42 days early
2024
41 days early
2023
35 days early
2022
41 days early
2021
40 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 40 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
TD
Tom De Boever
Director, since 06-08-2020
- Bestuursvennootschap notaris Van Hauwermeiren 100%score 97equity €8.5m (2025) · 30-06-2025 annual accounts of Bestuursvennootschap notaris Van Hauwermeiren
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0752859065
Registered office moved from Wetteren to Oordegem
New registered office: Grote Steenweg 108/A te 9340 Oordegem · Previous registered office: Honderdweg 7 te 9230 Wetteren · Board meeting of 05-07-2024 · Gazette deed
Environmental permit granted
Bouwen of herbouwen · Lede
Environmental permit granted
Bouwen of herbouwen · Sint-Lievens-Houtem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Loravi Lede | €633,569 | €19,757 | -6.1% | - |
| HDP-Construct Evergem | €549,407 | €16,894 | -1.5% | - |
| CONFICO Olen | €588,686 | €19,627 | -0.4% | - |
| VIVEM Herentals | €665,585 | €25,902 | 2.2% | - |
| ENERGYLUX Zaventem | €589,690 | €27,810 | 66.5% | 0.3 |
| Stabiel Vastgoedontwikkeling Bruges | €548,367 | €21,706 | 35.7% | - |
| DURBAN GROUND-UP Antwerp | €713,509 | €31,505 | -9.1% | - |
These companies have the same main activity as Loravi: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €548,000 and €714,000, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 24-08-2020Normal situation
- Activity
- Development of residential building projectsNACE 68121and 1 other
- Establishment unit
- 2.310.053.6149340 Lede, since 24-08-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 13-11-2025
Annual accounts 2025
- €633,569▼ 1.0%
- Filing
- Filed on 19-06-2026, 42 days before the end of the filing period
Insights on Loravi
Loravi files the micro format. That format states no turnover. The gross margin fell from €23,198 in 2021 to €19,757 in 2025.
Bestuursvennootschap notaris Van Hauwermeiren holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Loravi
- What is the company number of Loravi?
- The company number of Loravi is 0752.859.065. The VAT number is the same number with BE in front: BE 0752.859.065.
- Where is Loravi based?
- The registered office is at Grote Steenweg 108, 9340 Lede.Company details
- What does Loravi do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of Loravi?
- Loravi is a private limited company (BV).
- When was Loravi founded?
- Loravi was founded on 24-08-2020.
- Is Loravi still active?
- Yes, Loravi is an active enterprise in the KBO register.
- What is the turnover of Loravi?
- The turnover in financial year 2025 is ≈ €82,000. This figure is estimated from the gross margin of €19,757 and 48 comparable companies (NACE 68121). It probably lies between €41,000 and €260,000. It is a rough estimate.Financials
- Is Loravi profitable?
- In financial year 2025, Loravi made a loss of €5,300.
- Where can I find the annual accounts of Loravi?
- Loravi filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Loravi due?
- Loravi must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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