Active BE 0425.081.417Private limited company

LORETO

Katelijnestraat 40 ·8000 Brugge, Belgium· 42 yrs active

Sector: Activiteiten van eetgelegenheden met volledige bediening (56111)

Conclusion Checked

The computed 12-month bankruptcy probability of LORETO is 1.0% (low). The 2024 annual accounts show equity of €114k and a net result of €20k. Equity is shrinking by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 5615 sector peers (fiscal year 2024). The company has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€114k
Net result	€20k
Staff (FTE)	1.2
Better than sector	90%

Snowflake analysis 5 of 5 axes measured · computed by Checked

87 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 90

Profitability 88

Solvency 100

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.0% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1983, 42 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

90 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 31-07-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~10.1%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	69.4%	19.3%	better than 90% of 5615 sector peers
Net result	€20k	€4k	better than 73% of 5603 sector peers
Equity	€114k	€14k	better than 91% of 5626 sector peers
Gross operating margin	€67k	€52k	better than 56% of 5589 sector peers
Staff costs	€14k	€49k	higher than 23% of 4064 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€34k

-4.5% 18-24

Net profit

€20k

-6.0% 18-24

Cash flow

€28k

-7.6% 18-24

Total assets

€165k

+11.0% 18-24

Equity

€114k

-9.1% 18-24

Working capital

€85k

-3.9% 18-24

Employees (FTE)

1

+20.0% 18-24

Staff costs

€14k

+9.5% 18-24

Income taxes

€2k

+9.8% 18-24

Dividends

€32k

- 18-24

Debt

€50k

+122.1% 18-24

Debt ≤ 1y

€50k

+122.1% 18-24

Current ratio

2.69

-45.2% 18-24

Quick ratio

2.62

-44.9% 18-24

Solvency

69.4%

-18.1% 18-24

Debt / equity

0.44

+144.2% 18-24

ROE

17.6%

+3.4% 18-24

ROA

12.2%

-15.3% 18-24

Interest coverage

6.94

-27.9% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€34k
Net profit	€20k
Cash flow	€28k
Staff costs	€14k
Income taxes	€2k
Dividends	€32k
Total assets	€165k
Equity	€114k
Debt	€50k
of which ≤ 1y	€50k
of which > 1y	-
Working capital	€85k
Employees (FTE)	1.2

Ratios (computed)

	2024
Current ratio	2.69
Quick ratio	2.62
Working capital ratio	51.7%
Solvency	69.4%
Debt / equity	0.44
Long-term debt ratio	-
Interest coverage	6.94
Gross margin	-
Net margin	-
ROA	12.2%
ROE	17.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €29k · 17.7% Current assets €136k · 82.3%

Equity & liabilities

Equity €114k · 69.4% Debt €50k · 30.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€165k
Fixed assets	21/28	€29k
Tangible fixed assets	22/27	€29k
Current assets	29/58	€136k
Stocks & contracts in progress	3	€4k
Amounts receivable within one year	40/41	€4k
Cash & bank	54/58	€121k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€165k
Equity	10/15	€114k
Contributions / capital	10/11	€116k
Reserves	13	€57k
Accumulated profits (losses)	14	€-58k
Amounts payable	17/49	€50k
Amounts payable within one year	42/48	€50k
Trade debts payable within one year	44	€10k
Income statement
Gross operating margin	9900	€67k
Operating result	9901	€26k
Financial income	75	€1k
Financial charges	65	€5k
Result before taxes	9903	€23k
Income taxes	67/77	€2k
Net result for the period	9904	€20k
Result to be appropriated	9905	€20k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 3 directors

Former directors (3)

Godelieve VANTHUYNE
Director
State Gazette act 23455905 (13-12-2023)

Former
- → 13-12-2023
Liesbeth KEIRSEBILCK
Director
State Gazette act 23455905 (13-12-2023)

Former
- → 13-12-2023
Roger KEIRSEBILCK
Director
State Gazette act 23455905 (13-12-2023)

Former
- → 13-12-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Activiteiten van eetgelegenheden met volledige bediening(56111)
Legal form	Private limited company(610)
Incorporation	19-12-1983
Status	Active
Postal code	8000

Establishment units 1 location

Loreto

Katelijnestraat 40, 8000 BruggeHotels en motels, met restaurant

since 19832.023.719.314

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31803C0873/00B000	Flanders	175 m²	1 · 167 m²	16.9 m · 5 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

31-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

29-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

13-12-2023

State Gazette act Director changes

Roger Verhue

30-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

28-06-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

23-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

31-07-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

21-08-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

29-08-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

30-08-2017

NBB filing Annual accounts filed

fiscal year 2016 · micro

2016

29-09-2016

NBB filing Annual accounts filed

fiscal year 2015 · verkort

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

13-12-2023 3 resigning, 3 reappointed Director changes·Roger Verhue

Roger KEIRSEBILCK, Bestuurder
Godelieve VANTHUYNE, Bestuurder
Liesbeth KEIRSEBILCK, Bestuurder
Roger KEIRSEBILCK, Bestuurder
Godelieve VANTHUYNE, Bestuurder
Liesbeth KEIRSEBILCK, Bestuurder

Notary: Roger Verhue · Koksijde

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Roger KEIRSEBILCK",
        "address": "8210 Zedelgem (Loppem), Mezenweg 3",
        "birth_date": "1937-04-15",
        "profession": null,
        "birth_place": "Schore"
      },
      "reason": "end_of_term",
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Godelieve VANTHUYNE",
        "address": "8210 Zedelgem (Loppem), Mezenweg 3",
        "birth_date": "1944-10-25",
        "profession": null,
        "birth_place": "Werken"
      },
      "reason": "end_of_term",
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Liesbeth KEIRSEBILCK",
        "address": "8000 Brugge, Katelijnestraat 40",
        "birth_date": "1972-11-08",
        "profession": null,
        "birth_place": "Brugge"
      },
      "reason": "end_of_term",
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Roger KEIRSEBILCK",
        "address": "8210 Zedelgem (Loppem), Mezenweg 3",
        "birth_date": "1937-04-15",
        "profession": null,
        "birth_place": "Schore"
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Godelieve VANTHUYNE",
        "address": "8210 Zedelgem (Loppem), Mezenweg 3",
        "birth_date": "1944-10-25",
        "profession": null,
        "birth_place": "Werken"
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Liesbeth KEIRSEBILCK",
        "address": "8000 Brugge, Katelijnestraat 40",
        "birth_date": "1972-11-08",
        "profession": null,
        "birth_place": "Brugge"
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": "bestuurder",
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De algemene vergadering verleent volledige en algehele kwijting aan de ontslagnemende bestuurder voor de uitoefening van zijn mandaat, onder voorbehoud van goedkeuring van de jaarrekening over het lopende boekjaar.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": "bestuurder",
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "sole_shareholder_declaration",
      "role": "enige_bestuurder",
      "person": {
        "rrn": null,
        "name": "Liesbeth KEIRSEBILCK",
        "address": "8000 Brugge, Katelijnestraat 40",
        "birth_date": "1972-11-08",
        "profession": null,
        "birth_place": "Brugge"
      },
      "reason": null,
      "subkind": "confirmation",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Roger Verhue",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Koksijde",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-12-13",
    "filing_date": "2023-12-09",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2023-11-30",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0425.081.417",
    "name_full": "LORETO",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "proces-verbaal van buitengewone algemene vergadering de dato 30 november 2023",
    "geco\u00F6rdineerde statuten"
  ],
  "corrected_publication_numac": null
}

Credit advice verdict per customer and amount

AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Company registry (CBE) Crossroads Bank

Activities

Restaurants van het traditionele type55301Eetgelegenheden met volledige bediening56101Activiteiten van eetgelegenheden met volledige bediening56111Hotels en dergelijke accommodatie55100Hotels en dergelijke accommodatie55100Hotels en motels, met restaurant55101

Primary activity highlighted.

Names & trade names

Legal nameNL

LORETO

Registered office

Katelijnestraat 40

8000 Brugge, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

Similar companies Comparable size · 2,912 of 20,287 companies in this sector with filed accounts

Edward's Café BE 0779.920.679 · Tubize

'T Wezelshof BE 0797.665.048 · Wuustwezel

XINLIHANG BE 0727.944.913 · Evere

Restaurant d'Afspanning BE 0777.727.192 · Beernem

Julia's Brugge BE 0769.311.552 · Brugge