Lore De Greef
ActiveLore De Greef has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €109k. Equity is growing by ~27.1% per year across the filed fiscal years. Its solvency ranks better than 19% of 16414 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy▼ -21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency39▼-33
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 3.16 in 2024), but 81.4% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
18.6%
Return on assets
17%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 16414 sector peers (2025).
NBB · sector comparisonPosition among 16414 sector peers
Solvency
better than 19%
← 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 18-03-2026, 135 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
135 d early
2024
8 d early
2023
30 d early
2022
2 d early
2021
31 d late
2020
31 d late
2019
on the day
← 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
€119k▼ 56.7%
2024 · €275k
2020: €36k
2021: €129k
2022: €141k
2023: €162k
2024: €275k
2020 → 2025
Total assets
€642k▼ 26.1%
2024 · €869k
2020: €771k
2021: €844k
2022: €846k
2023: €837k
2024: €869k
2020 → 2025
Net result
€109k▼ 3.3%
2024 · €113k
2020: €20k
2021: €93k
2022: €52k
2023: €86k
2024: €113k
2020 → 2025
Working capital
€61k▼ 72.2%
2024 · €219k
2020: €56k
2021: €144k
2022: €169k
2023: €94k
2024: €219k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€141k▲ 9.5%€162k▲ 15.0%€275k▲ 69.6%€119k▼ 56.7%
Operating result€130k-€82k▼ 37.4%€123k▲ 51.1%€159k▲ 29.3%€155k▼ 2.9%
Net result€93k-€52k▼ 43.7%€86k▲ 64.9%€113k▲ 31.2%€109k▼ 3.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €642k
Fixed assets
€493k▼ 10.2%
Current assets
€149k▼ 53.4%
Equity and liabilities €642k
Equity
€119k▼ 56.7%
Debt
€523k▼ 12.0%
The debt ratio rises from 68.3% to 81.4%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€211k▼
2024 · €218k
Cash flow
€166k▼
2024 · €172k
Solvency
18.6%▼
2024 · 31.7%
Current ratio
1.69▼
2024 · 3.16
Quick ratio
1.69▼
2024 · 3.16
Debt / equity
4.38▲
2024 · 2.16
ROE
91.6%▲
2024 · 41.1%
ROA
17.0%▲
2024 · 13.0%
Interest coverage
24.51▲
2024 · 23.27
Debt
€523k▼
2024 · €594k
Debt ≤ 1 year
€88k▼
2024 · €101k
Debt > 1 year
€399k▼
2024 · €451k
Income taxes
€37k▼
2024 · €37k
Staff costs
€51k▲
2024 · €48k
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€869k€642k▼
Fixed assets21/28€549k€493k▼
Intangible fixed assets21€87k€67k▼
Tangible fixed assets22/27€462k€426k▼
Land and buildings22€416k€392k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€41k€29k▼
Current assets29/58€320k€149k▼
Amounts receivable within one year40/41€1k€151▼
Other amounts receivable41€1k€151▼
Cash at bank and in hand54/58€314k€135k▼
Deferred charges and accrued income490/1€4k€14k▲
Equity and liabilities
Total equity and liabilities10/49€869k€642k▼
Equity10/15€275k€119k▼
Contributions10/11€10k€10k=
Reserves13€265k€109k▼
Distributable reserves133€265k€109k▼
Amounts payable17/49€594k€523k▼
Amounts payable after more than one year17€451k€399k▼
Financial debts170/4€451k€399k▼
Amounts payable within one year42/48€101k€88k▼
Current portion of amounts payable after more than one year42€51k€52k▲
Trade debts44€7k€6k▼
Suppliers440/4€7k€6k▼
Taxes, remuneration and social security45€16k€10k▼
Taxes450/3€7k€7k▲
Remuneration and social security454/9€10k€3k▼
Other amounts payable47/48€27k€21k▼
Accrued charges and deferred income492/3€42k€36k▼
Income statement
Code20242025
Remuneration, social security and pensions62€48k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€56k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€270k€264k▼
Operating profit (loss)9901€159k€155k▼
Financial income75/76B€110€104▼
Recurring financial income75€110€104▼
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€150k€146k▼
Income taxes67/77€37k€37k▼
Profit (loss) for the period9904€113k€109k▼
Profit (loss) for the period to be appropriated9905€113k€109k▼
Appropriation of the result
Profit (loss) to be appropriated9906€113k€109k▼
Transfer from equity791/2-€265k
Transfer to equity691/2€113k€109k▼
To other reserves6921€113k€109k▼
Profit to be distributed694/7-€265k
Return on contributions (dividend)694-€265k
The notes to these accounts (8 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
18-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €113k ▲31.2%
Operating result €159k, net result €113k, both a record.
31-12
Financial
Equity above €200kEq €275k ▲69.6%
5 profitable years in a row build equity to €275k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €162k ▲15%
4 profitable years in a row build equity to €162k.
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €129k ▲258%
2 profitable years in a row build equity to €129k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Leuven · 1 establishment unit since 2019
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.
Koning Albertlaan 1313010 LeuvenGround area
273 m²
Building footprint
170 m²
Volume, LiDAR
1,675 m³
Parcel 24483E0236/00D006, Flanders · tallest building 12.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Lore De Greef
since 20192.289.244.144
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483E0236/00D006 | Flanders | 273 m² | 1 · 170 m² | 12.2 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 29,632 EUR awarded · 29,632 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 6,709 EUR | 6,709 EUR |
| 2024 | 1 | 11,179 EUR | 11,179 EUR |
| 2023 | 1 | 8,269 EUR | 8,269 EUR |
| 2022 | 1 | 3,475 EUR | 3,475 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
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Of 9,101 companies in sector 86210 we hold annual accounts for 6,323. 5,377 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2019
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.