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Lorel Capital

Active
Private limited companyfounded 20242 yrs activeAvenue des Mésanges, Bonlez 9, 1325 Chaumont-Gistoux, BelgiumKBO/BCE: BE 1013.084.034
Summary

Lorel Capital has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7,391 and a net result of €4,891. Its solvency ranks better than 24% of 14254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Checked score

Score 2025
Axes
Profitability48
Solvency28
Growth-
Track record67
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
2.7%
Return on assets
1.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 14254 sector peers (2025).
NBB · sector comparison
Position among 14254 sector peers
Solvency
better than 24%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filing
Deviation from the deadline
2025
24 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 3 September 2024, Lorel Capital was incorporated as a Private limited company.1 In 2026 the registered office moved to Chaumont-Gistoux.2 The company has filed annual accounts once, for fiscal year 2025.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 16-09-2026
  3. 3National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€7,391
Total assets
€276,081
Net result
€4,891
Working capital
Not included in this filing

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Equity and liabilities €276,081
Equity €7,391
Debt €268,690
Debt finances 97.3% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€28,571
Cash flow
€19,789
Debt to equity
36.35
ROE
66.2%
ROA
1.8%
Interest coverage
3.25
Debt ≤ 1 year
€101,037
Debt > 1 year
€167,653

Peer companies

Historical observation

Of the 2,136 companies that looked in July 2024 the way this one looks now, 4.9% went bankrupt within 24 months and 92% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
4.9% went bankrupt
2.0% stopped otherwise
92% still going

A further 1.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,136 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 28 lines
Balance sheet Code2025
Assets
Total assets20/58€276,081
Fixed assets21/28€276,081
Tangible fixed assets22/27€276,081
Land and buildings22€276,081
Equity and liabilities
Total equity and liabilities10/49€276,081
Equity10/15€7,391
Contributions10/11€2,500
Profit (loss) carried forward14€4,891
Amounts payable17/49€268,690
Amounts payable after more than one year17€167,653
Financial debts170/4€167,653
Amounts payable within one year42/48€101,037
Current portion of amounts payable after more than one year42€6,065
Financial debts43€3
Credit institutions430/8€3
Trade debts44€2,665
Suppliers440/4€2,665
Other amounts payable47/48€92,303
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14,897
Other operating charges640/8€800
Gross operating margin9900€29,371
Operating profit (loss)9901€13,674
Financial charges65/66B€8,782
Recurring financial charges65€8,782
Profit (loss) for the period before taxes9903€4,891
Profit (loss) for the period9904€4,891
Profit (loss) for the period to be appropriated9905€4,891
Appropriation of the result
Profit (loss) to be appropriated9906€4,891

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14,897
Other operating charges640/8€800
Gross operating margin9900€29,371
Operating profit (loss)9901€13,674
Financial charges65/66B€8,782
Recurring financial charges65€8,782
Profit (loss) for the period before taxes9903€4,891
Profit (loss) for the period9904€4,891
Profit (loss) for the period to be appropriated9905€4,891
Line2025
Assets
Total assets20/58€276,081
Fixed assets21/28€276,081
Tangible fixed assets22/27€276,081
Land and buildings22€276,081
Equity and liabilities
Total equity and liabilities10/49€276,081
Equity10/15€7,391
Contributions10/11€2,500
Profit (loss) carried forward14€4,891
Amounts payable17/49€268,690
Amounts payable after more than one year17€167,653
Financial debts170/4€167,653
Amounts payable within one year42/48€101,037
Current portion of amounts payable after more than one year42€6,065
Financial debts43€3
Credit institutions430/8€3
Trade debts44€2,665
Suppliers440/4€2,665
Other amounts payable47/48€92,303
Line2025
Profit (loss) for the period9904€4,891
+ Depreciation and write-downs630€14,897
Operating cash flow (approximation)€19,789

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
16-09
State Gazette act General meeting · Registered-office move
Power of attorney4 facts ▸
  • General meeting, 07-02-2026
  • Registered-office move, Avenue des Mésange 9 à 1325 Chaumont-Gistoux
  • Power of attorney, J.JORDENS srl
  • Power of attorney, Marion de Crombrugghe
24-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
State Gazette actNBB filing
1 of 2 acts read
About the unread acts

Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Chaumont-Gistoux · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
4,386 m²
Building footprint
260 m²
Volume, LiDAR
1,687 m³
Parcel 25010E0001/00Y002, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue des Mésanges, Bonlez 9, 1325 Chaumont-Gistoux
Real estate activities
since 20242.379.956.663
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25010E0001/00Y002 Wallonia 4,386 m² 1 · 260 m² 8.8 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 7,326 companies in sector 68110 we hold annual accounts for 5,390. 1,651 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded03-09-2024
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID 0208:1013084034
Also 9925:BE1013084034
Registered 19-08-2026

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.