Lore Vanhoutte
ActiveLore Vanhoutte 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 €661k and a net result of €182k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 5487 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 12-01-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
4 d early
2023
41 d early
2022
1 d early
2021
on the day
2020
40 d early
2019
43 d early
← before the deadline
after the deadline →
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 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€661k▲ 16.6%
2024 · €567k
2019: €246k
2020: €305k
2021: €365k
2022: €411k
2023: €507k
2024: €567k
2019 → 2025
Net result
€182k▲ 13.7%
2024 · €160k
2019: €59k
2020: €71k
2021: €61k
2022: €47k
2023: €96k
2024: €160k
2019 → 2025
Total assets
€1.11M▲ 18.3%
2024 · €938k
2019: €979k
2020: €968k
2021: €977k
2022: €951k
2023: €937k
2024: €938k
2019 → 2025
Solvency
59.6%▼ 0.9pp
2024 · 60.5%
2019: 25.1%
2020: 31.5%
2021: 37.4%
2022: 43.2%
2023: 54.1%
2024: 60.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€365k-€411k▲ 12.6%€507k▲ 23.2%€567k▲ 11.9%€661k▲ 16.6%
Operating result€90k-€73k▼ 19.1%€140k▲ 91.9%€214k▲ 53.5%€244k▲ 13.7%
Net result€61k-€47k▼ 23.7%€96k▲ 107%€160k▲ 66.5%€182k▲ 13.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 14% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€933k=
Current assets
€177k▲ 3,434%
Equity and liabilities €1.11M
Equity
€661k▲ 16.6%
Debt
€448k▲ 20.8%
The debt ratio rises from 39.5% to 40.4%: debt grows faster than equity.
Key figures and ratios
Solvency
59.6%▼
2024 · 60.5%
ROE
27.6%▼
2024 · 28.3%
ROA
16.4%▼
2024 · 17.1%
Debt
€448k▲
2024 · €371k
Debt ≤ 1 year
€114k▼
2024 · €160k
Debt > 1 year
€333k▲
2024 · €210k
Income taxes
€55k▲
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€938k€1.11M▲
Fixed assets21/28€933k€933k=
Financial fixed assets28€933k€933k=
Current assets29/58€5k€177k▲
Amounts receivable within one year40/41€0€172k▲
Trade receivables40-€167k
Other amounts receivable41€0€5k▲
Cash at bank and in hand54/58€5k€4k▼
Deferred charges and accrued income490/1€394€0▼
Equity and liabilities
Total equity and liabilities10/49€938k€1.11M▲
Equity10/15€567k€661k▲
Contributions10/11€19k€19k=
Reserves13€549k€643k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€549k€643k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€371k€448k▲
Amounts payable after more than one year17€210k€333k▲
Financial debts170/4€210k€333k▲
Amounts payable within one year42/48€160k€114k▼
Current portion of amounts payable after more than one year42€51k€51k=
Financial debts43-€8
Credit institutions430/8-€8
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€48k€55k▲
Taxes450/3€48k€55k▲
Other amounts payable47/48€57k€6k▼
Accrued charges and deferred income492/3€877€820▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€215k€245k▲
Operating profit (loss)9901€214k€244k▲
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€208k€237k▲
Income taxes67/77€48k€55k▲
Profit (loss) for the period9904€160k€182k▲
Profit (loss) for the period to be appropriated9905€160k€182k▲
Appropriation of the result
Profit (loss) to be appropriated9906€160k€182k▲
Transfer from equity791/2€100k€88k▼
Transfer to equity691/2€160k€182k▲
To other reserves6921€160k€182k▲
Profit to be distributed694/7€100k€88k▼
Return on contributions (dividend)694€100k€88k▼
The notes to these accounts (14 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
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €182k ▲13.7%
Operating result €244k, net result €182k, both a record.
30-06
Financial
Liquidity times 50current ratio 1.55
Current ratio from 0.03 to 1.55; short-term debt falls from €160k to €114k.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Equity above €500kEq €507k ▲23.2%
5 profitable years in a row build equity to €507k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Weakest financial yearnet €47k ▼23.7%
Net result drops to €47k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
08-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
07-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Blankenberge · 1 establishment unit 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.
Polderlaan 708370 BlankenbergeGround area
601 m²
Building footprint
147 m²
Parcel 31034A0269/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
Lore Vanhoutte BVBA
since 20152.237.475.838
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31034A0269/00D000 | Flanders | 601 m² | 1 · 147 m² | - |
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 24,640 companies in sector 64210 we hold annual accounts for 19,689. 13,342 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2014
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.