Lore Naudts
ActiveSummary
Lore Naudts has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €11k. Equity is shrinking by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 21% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+97
Solvency48▲+22
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.93 against 0.54 in 2024; short-term debt: 53% and cash: 27.2% of total assets), and 77.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
40 d early
2024
1 d early
2023
5 d early
2022
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▲ 4,105%
2024 · €273
2022: €15k
2023: €19k
2024: €273
2022 → 2025
Total assets
€50k▼ 2.6%
2024 · €51k
2022: €36k
2023: €31k
2024: €51k
2022 → 2025
Net result
€11k
2024 · €-18k
2022: €10k
2023: €3k
2024: €-18k
2022 → 2025
Working capital
€-2k▲ 85.2%
2024 · €-13k
2022: €8k
2023: €11k
2024: €-13k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€19k▲ 21.9%€273▼ 98.5%€11k▲ 4,105%
Operating result€14k-€6k▼ 57.6%€-17k€12k
Net result€10k-€3k▼ 67.4%€-18k€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €17k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€26k ▼ 28.9%
Current assets
€25k ▲ 58.3%
Equity and liabilities €50k
Equity
€11k ▲ 4,105%
Debt
€39k ▼ 24.5%
Debt's share of the balance-sheet total falls from 99.5% to 77.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▲
2024 · €-8k
Cash flow
€20k▲
2024 · €-9k
Current ratio
0.93▲
2024 · 0.54
Debt to equity
3.37
ROE
97.6%
ROA
22.4%▲
2024 · -35.7%
Interest coverage
43.46▲
2024 · -11.04
Debt ≤ 1 year
€27k▼
2024 · €29k
Debt > 1 year
€12k▼
2024 · €22k
Income taxes
€141▲
2024 · €136
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€51k€50k▼
Fixed assets21/28€36k€26k▼
Tangible fixed assets22/27€36k€26k▼
Furniture and vehicles24€36k€26k▼
Current assets29/58€16k€25k▲
Amounts receivable within one year40/41€7k€11k▲
Trade receivables40€7k€11k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€8k€14k▲
Deferred charges and accrued income490/1€261€282▲
Equity and liabilities
Total equity and liabilities10/49€51k€50k▼
Equity10/15€273€11k▲
Contributions10/11€5k€5k=
Reserves13€0€11k▲
Distributable reserves133€0€11k▲
Profit (loss) carried forward14€-5k€-5k▲
Amounts payable17/49€51k€39k▼
Amounts payable after more than one year17€22k€12k▼
Financial debts170/4€22k€12k▼
Amounts payable within one year42/48€29k€27k▼
Current portion of amounts payable after more than one year42€13k€10k▼
Trade debts44€1k€887▼
Suppliers440/4€1k€887▼
Taxes, remuneration and social security45€136€141▲
Taxes450/3€136€141▲
Other amounts payable47/48€15k€15k▲
Income statement
Code20242025
Non-recurring operating income76A€4k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€725€2k▲
Gross operating margin9900€-7k€23k▲
Operating profit (loss)9901€-17k€12k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€718€482▼
Recurring financial charges65€718€482▼
Profit (loss) for the period before taxes9903€-18k€11k▲
Income taxes67/77€136€141▲
Profit (loss) for the period9904€-18k€11k▲
Profit (loss) for the period to be appropriated9905€-18k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€6k▲
Profit (loss) brought forward from the previous period14P€9€-5k▼
Transfer from equity791/2€14k€0▼
Transfer to equity691/2€0€11k▲
To other reserves6921€0€11k▲
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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-18k ▼648%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-01
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Oosterzele · 1 establishment unit since 2021
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.
Moortelbosstraat 129860 OosterzeleGround area
429 m²
Building footprint
107 m²
Volume, LiDAR
483 m³
Parcel 44052A1354/00E000, Flanders · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Lore Naudts
since 20212.324.365.567
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44052A1354/00E000 | Flanders | 429 m² | 1 · 107 m² | 8.9 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.
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Of 5,984 companies in sector 86940 we hold annual accounts for 1,808. 1,244 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2021
Fiscal year end30-06
Activities, NACEBEL 2025
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.