LORE VAN KEER
ActiveLORE VAN KEER has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €555k and a net result of €82k. Equity is growing by ~41.3% per year across the filed fiscal years. Its solvency ranks better than 40% of 217 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-15
Solvency62▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 1.62 in 2024; short-term debt: 25.7% and cash: 7.9% of total assets), but 63.3% 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 32
Relative position
BE, all sectors
reference
Sector 32
lower
← fewer bankruptcies
more bankruptcies →
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
36.7%
Return on assets
5.4%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
24 d early
2021
30 d early
2020
1 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€555k▲ 17.2%
2024 · €474k
2018: €61k
2019: €62k
2020: €67k
2021: €88k
2022: €245k
2023: €284k
2024: €474k
2018 → 2025
Total assets
€1.52M▲ 8.8%
2024 · €1.39M
2018: €396k
2019: €378k
2020: €388k
2021: €360k
2022: €595k
2023: €976k
2024: €1.39M
2018 → 2025
Net result
€82k▼ 66.0%
2024 · €240k
2018: €33k
2019: €1k
2020: €5k
2021: €21k
2022: €145k
2023: €39k
2024: €240k
2018 → 2025
Working capital
€337k▲ 58.2%
2024 · €213k
2018: €52k
2019: €52k
2020: €62k
2021: €63k
2022: €235k
2023: €214k
2024: €213k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€88k-€245k▲ 180%€284k▲ 15.7%€474k▲ 67.1%€555k▲ 17.2%
Operating result€33k-€218k▲ 553%€60k▼ 72.5%€323k▲ 441%€144k▼ 55.5%
Net result€21k-€145k▲ 588%€39k▼ 73.4%€240k▲ 523%€82k▼ 66.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.52M
Fixed assets
€789k▼ 5.7%
Current assets
€726k▲ 30.7%
Equity and liabilities €1.52M
Equity
€555k▲ 17.2%
Provisions
€32k▼ 5.1%
Debt
€928k▲ 4.8%
The debt ratio falls from 63.5% to 61.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€201k▼
2024 · €363k
Cash flow
€139k▼
2024 · €280k
Solvency
36.7%▲
2024 · 34.0%
Current ratio
1.87▲
2024 · 1.62
Quick ratio
0.85▲
2024 · 0.68
Debt / equity
1.67▼
2024 · 1.87
ROE
14.7%▼
2024 · 50.7%
ROA
5.4%▼
2024 · 17.3%
Interest coverage
6.83▼
2024 · 11.27
Debt
€928k▲
2024 · €885k
Debt ≤ 1 year
€389k▲
2024 · €343k
Debt > 1 year
€539k▼
2024 · €542k
Income taxes
€35k▲
2024 · €23k
Staff costs
€248k▲
2024 · €121k
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€1.39M€1.52M▲
Fixed assets21/28€837k€789k▼
Intangible fixed assets21€29k€17k▼
Tangible fixed assets22/27€808k€772k▼
Land and buildings22€789k€754k▼
Plant, machinery and equipment23€13k€11k▼
Furniture and vehicles24€5k€7k▲
Current assets29/58€556k€726k▲
Stocks and contracts in progress3€324k€397k▲
Stocks30/36€324k€397k▲
Amounts receivable within one year40/41€134k€203k▲
Trade receivables40€103k€198k▲
Other amounts receivable41€31k€5k▼
Cash at bank and in hand54/58€93k€119k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.39M€1.52M▲
Equity10/15€474k€555k▲
Contributions10/11€19k€19k=
Reserves13€455k€537k▲
Tax-exempt reserves132€135k€129k▼
Distributable reserves133€320k€408k▲
Provisions and deferred taxes16€34k€32k▼
Deferred taxes168€34k€32k▼
Amounts payable17/49€885k€928k▲
Amounts payable after more than one year17€542k€539k▼
Financial debts170/4€542k€539k▼
Amounts payable within one year42/48€343k€389k▲
Current portion of amounts payable after more than one year42€17k€47k▲
Financial debts43€24k€40k▲
Credit institutions430/8€24k€40k▲
Trade debts44€143k€69k▼
Suppliers440/4€143k€69k▼
Advances received on contracts in progress46€94k€147k▲
Taxes, remuneration and social security45€18k€51k▲
Taxes450/3€8k€21k▲
Remuneration and social security454/9€10k€30k▲
Other amounts payable47/48€47k€35k▼
Income statement
Code20242025
Non-recurring operating income76A€174k-
Remuneration, social security and pensions62€121k€248k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€58k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-18k€345▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€467k€452k▼
Operating profit (loss)9901€323k€144k▼
Financial income75/76B€6k€31▼
Recurring financial income75€6k€31▼
Financial charges65/66B€32k€29k▼
Recurring financial charges65€32k€29k▼
Profit (loss) for the period before taxes9903€297k€114k▼
Transfer from deferred taxes780€928€2k▲
Transfer to deferred taxes680€35k-
Income taxes67/77€23k€35k▲
Profit (loss) for the period9904€240k€82k▼
Transfer from tax-exempt reserves789€4k€7k▲
Transfer to tax-exempt reserves689€139k-
Profit (loss) for the period to be appropriated9905€105k€89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€89k▼
Transfer to equity691/2€55k€89k▲
To other reserves6921€55k€89k▲
Profit to be distributed694/7€50k-
Return on contributions (dividend)694€50k-
Social balance
Average headcount (FTE)90872.84.9▲
The notes to these accounts (12 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Equity above €500kEq €555k ▲17.2%
8 profitable years in a row build equity to €555k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €240k ▲523%
Operating result €323k, net result €240k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Equity above €200kEq €245k ▲180%
5 profitable years in a row build equity to €245k.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €1k ▼96.8%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Meise · 2 establishment units since 2015
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.
de Beauffortstraat 11860 MeiseGround area
281 m²
Building footprint
210 m²
Volume, LiDAR
1,734 m³
2 parcels, Flanders · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
LORE VAN KEER
since 20152.239.286.273
LORE VAN KEER
since 20192.286.920.795
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23050G0120/00H000 | Flanders | 198 m² | 1 · 148 m² | 8.2 m · 2 fl. |
| 11804D0624/00B000 | Flanders | 83 m² | 1 · 61 m² | 16.7 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 25,000 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 25,000 EUR | 0 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
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Général Décoration
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Of 1,530 companies in sector 32123 we hold annual accounts for 225. 120 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2015
Fiscal year end30-09
Trade name NL
LORE VAN KEER JEWELLERY DESIGN of LVK
Activities, NACEBEL
32123Manufacture of jewellery
47770Retail sale of watches and jewellery
47784Retail sale of souvenirs and religious articles
47786Retail trade
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.