Summary
LOREVA 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 €924k and a net result of €80k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 55% of 2399 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
31 d early
2023
29 d early
2022
11 d early
2021
1 d late
2020
8 d early
2019
24 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€924k▲ 9.5%
2024 · €844k
2018: €583klowest in 8 years
2019: €653k▲ +11.9% vs 2018
2020: €711k▲ +9.0% vs 2019
2021: €749k▲ +5.3% vs 2020
2022: €765k▲ +2.1% vs 2021
2023: €790k▲ +3.3% vs 2022
2024: €844k▲ +6.8% vs 2023
2025: €924k▲ +9.5% vs 2024highest in 8 years
2018 → 2025
Net result
€80k▲ 48.9%
2024 · €54k
2018: €78k
2019: €69k▼ -11.3% vs 2018
2020: €59k▼ -14.8% vs 2019
2021: €37k▼ -36.6% vs 2020
2022: €16k▼ -57.6% vs 2021lowest in 8 years
2023: €25k▲ +59.7% vs 2022
2024: €54k▲ +113% vs 2023
2025: €80k▲ +48.9% vs 2024highest in 8 years
2018 → 2025
Total assets
€1.39M▲ 12.6%
2024 · €1.24M
2018: €1.14M
2019: €1.14M▼ -0.4% vs 2018lowest in 8 years
2020: €1.15M▲ +1.2% vs 2019
2021: €1.16M▲ +1.1% vs 2020
2022: €1.21M▲ +4.1% vs 2021
2023: €1.22M▲ +0.8% vs 2022
2024: €1.24M▲ +1.2% vs 2023
2025: €1.39M▲ +12.6% vs 2024highest in 8 years
2018 → 2025
Solvency
66.4%▼ 1.9pp
2024 · 68.3%
2018: 51.0%lowest in 8 years
2019: 57.3%▲ +12.3% vs 2018
2020: 61.8%▲ +7.8% vs 2019
2021: 64.3%▲ +4.2% vs 2020
2022: 63.1%▼ -1.9% vs 2021
2023: 64.7%▲ +2.5% vs 2022
2024: 68.3%▲ +5.5% vs 2023highest in 8 years
2025: 66.4%▼ -2.8% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€749k-€765k▲ 2.1%€790k▲ 3.3%€844k▲ 6.8%€924k▲ 9.5%
2021: €749klowest in 5 years
2022: €765k▲ +2.1% vs 2021
2023: €790k▲ +3.3% vs 2022
2024: €844k▲ +6.8% vs 2023
2025: €924k▲ +9.5% vs 2024highest in 5 years
Operating result€49k-€10k▼ 78.8%€9k▼ 16.4%€12k▲ 40.0%€13k▲ 4.7%
2021: €49khighest in 5 years
2022: €10k▼ -78.8% vs 2021
2023: €9k▼ -16.4% vs 2022lowest in 5 years
2024: €12k▲ +40.0% vs 2023
2025: €13k▲ +4.7% vs 2024
Net result€37k-€16k▼ 57.6%€25k▲ 59.7%€54k▲ 113%€80k▲ 48.9%
2021: €37k
2022: €16k▼ -57.6% vs 2021lowest in 5 years
2023: €25k▲ +59.7% vs 2022
2024: €54k▲ +113% vs 2023
2025: €80k▲ +48.9% vs 2024highest in 5 years
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.39M
Fixed assets
€1.13M =
Current assets
€263k ▲ 145%
Equity and liabilities €1.39M
Equity
€924k ▲ 9.5%
Debt
€468k ▲ 19.3%
Debt's share of the balance-sheet total rises from 31.7% to 33.6%. Equity and debt are higher.
Key figures and ratios
ROE
8.7%▲
2024 · 6.4%
ROA
5.8%▲
2024 · 4.4%
Debt ≤ 1 year
€362k▲
2024 · €271k
Debt > 1 year
€106k▼
2024 · €122k
Income taxes
€2k▲
2024 · €1k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.24M€1.39M▲
Fixed assets21/28€1.13M€1.13M=
Financial fixed assets28€1.13M€1.13M=
Current assets29/58€108k€263k▲
Amounts receivable within one year40/41€107k€263k▲
Trade receivables40€107k€122k▲
Other amounts receivable41-€141k
Cash at bank and in hand54/58€992€294▼
Equity and liabilities
Total equity and liabilities10/49€1.24M€1.39M▲
Equity10/15€844k€924k▲
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Reserves13€6k€861k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133-€855k
Profit (loss) carried forward14€775k-
Amounts payable17/49€392k€468k▲
Amounts payable after more than one year17€122k€106k▼
Financial debts170/4€122k€106k▼
Amounts payable within one year42/48€271k€362k▲
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€128k€142k▲
Suppliers440/4€128k€142k▲
Taxes, remuneration and social security45€2k€223▼
Taxes450/3€2k€223▼
Other amounts payable47/48€125k€203k▲
Income statement
Code20242025
Other operating charges640/8€85€88▲
Gross operating margin9900€12k€13k▲
Operating profit (loss)9901€12k€13k▲
Financial income75/76B€51k€76k▲
Recurring financial income75€51k€76k▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€55k€82k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€54k€80k▲
Profit (loss) for the period to be appropriated9905€54k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€775k€855k▲
Profit (loss) brought forward from the previous period14P€721k€775k▲
Transfer to equity691/2-€855k
To other reserves6921-€855k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €387 | €76 | €85 | €85 | €88 | ▲ 3.1% |
| Gross operating margin9900 | €49k | €10k | €9k | €12k | €13k | ▲ 4.7% |
| Operating profit (loss)9901 | €49k | €10k | €9k | €12k | €13k | ▲ 4.7% |
| Financial income75/76B | €12k | €15k | €25k | €51k | €76k | ▲ 48.8% |
| Recurring financial income75 | €12k | €15k | €25k | €51k | €76k | ▲ 48.8% |
| Financial charges65/66B | €15k | €9k | €8k | €8k | €7k | ▼ 12.4% |
| Recurring financial charges65 | €15k | €9k | €8k | €8k | €7k | ▼ 12.4% |
| Profit (loss) for the period before taxes9903 | €46k | €16k | €25k | €55k | €82k | ▲ 48.2% |
| Income taxes67/77 | €9k | €272 | €107 | €1k | €2k | ▲ 20.6% |
| Profit (loss) for the period9904 | €37k | €16k | €25k | €54k | €80k | ▲ 48.9% |
| Profit (loss) for the period to be appropriated9905 | €37k | €16k | €25k | €54k | €80k | ▲ 48.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.16M | €1.21M | €1.22M | €1.24M | €1.39M | ▲ 12.6% |
| Fixed assets21/28 | €1.13M | €1.13M | €1.13M | €1.13M | €1.13M | = |
| Financial fixed assets28 | €1.13M | €1.13M | €1.13M | €1.13M | €1.13M | = |
| Current assets29/58 | €35k | €83k | €92k | €108k | €263k | ▲ 145% |
| Amounts receivable within one year40/41 | €29k | €82k | €91k | €107k | €263k | ▲ 147% |
| Trade receivables40 | €23k | €75k | €91k | €107k | €122k | ▲ 14.1% |
| Other amounts receivable41 | €6k | €7k | €228 | - | €141k | - |
| Cash at bank and in hand54/58 | €6k | €2k | €2k | €992 | €294 | ▼ 70.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.16M | €1.21M | €1.22M | €1.24M | €1.39M | ▲ 12.6% |
| Equity10/15 | €749k | €765k | €790k | €844k | €924k | ▲ 9.5% |
| Contributions10/11 | €63k | €63k | €63k | €63k | €63k | = |
| Capital10 | €63k | €63k | €63k | €63k | €63k | = |
| Issued capital100 | €63k | €63k | €63k | €63k | €63k | = |
| Reserves13 | €6k | €6k | €6k | €6k | €861k | ▲ 13,683% |
| Non-distributable reserves130/1 | €6k | €6k | €6k | €6k | €6k | = |
| Legal reserve130 | €6k | €6k | €6k | €6k | €6k | = |
| Distributable reserves133 | - | - | - | - | €855k | - |
| Profit (loss) carried forward14 | €680k | €696k | €721k | €775k | - | - |
| Amounts payable17/49 | €415k | €447k | €431k | €392k | €468k | ▲ 19.3% |
| Amounts payable after more than one year17 | €292k | €277k | €237k | €122k | €106k | ▼ 12.8% |
| Financial debts170/4 | €292k | €277k | €237k | €122k | €106k | ▼ 12.8% |
| Amounts payable within one year42/48 | €121k | €168k | €192k | €271k | €362k | ▲ 33.7% |
| Current portion of amounts payable after more than one year42 | €20k | €15k | €15k | €15k | €16k | ▲ 1.4% |
| Trade debts44 | €12k | €74k | €116k | €128k | €142k | ▲ 11.1% |
| Suppliers440/4 | €12k | €74k | €116k | €128k | €142k | ▲ 11.1% |
| Taxes, remuneration and social security45 | - | - | €107 | €2k | €223 | ▼ 85.5% |
| Taxes450/3 | - | - | €107 | €2k | €223 | ▼ 85.5% |
| Other amounts payable47/48 | €88k | €79k | €61k | €125k | €203k | ▲ 62.2% |
| Accrued charges and deferred income492/3 | €2k | €2k | €2k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €37k | €16k | €25k | €54k | €80k | ▲ 48.9% |
| Operating cash flow (approximation) | €37k | €16k | €25k | €54k | €80k | ▲ 48.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €-5k | €76 | €-629 | €-697 | ▼ 10.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €80k ▲48.9%
Net result €80k, the highest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €16k ▼57.6%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day late
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 24 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 21 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Ans · 1 establishment unit since 2003
Ground area
1,862 m²
Building footprint
256 m²
Volume, LiDAR
1,953 m³
2 parcels, Wallonia · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
LOREVA sa
since 20032.133.580.524
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62117A0679/00H000 | Wallonia | 933 m² | 1 · 98 m² | 7.6 m · 2 fl. |
| 62001B0784/00G000 | Wallonia | 929 m² | 1 · 158 m² | 11.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 12,884 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded03-10-2003
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
E-mail
benjaminbeneux@gmail.comAns
Scores and ratios are computed by Checked and are not a credit decision.