LORO
ActiveThe computed 12-month bankruptcy probability of LORO is 3.2% (moderate). The 2025 annual accounts show negative equity (€-15k) and a net result of €-54k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 13091 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
16
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-21
Solvency3▼-50
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.93 against 4.68 in 2024; short-term debt: 100.2% and cash: 2.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-21.8%
Return on assets
-77.8%
Age of the figures
9 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-15k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 10 filingsDeviation from the deadline
2025
6 d late
2024
55 d early
2023
24 d early
2022
6 d late
2021
31 d late
2020
2 d late
2019
24 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-15k
2024 · €39k
2018: €12k
2019: €12k
2020: €7k
2021: €49k
2022: €54k
2023: €51k
2024: €39k
2018 → 2025
Total assets
€70k▼ 50.6%
2024 · €141k
2018: €60k
2019: €62k
2020: €65k
2021: €156k
2022: €121k
2023: €155k
2024: €141k
2018 → 2025
Net result
€-54k▼ 355%
2024 · €-12k
2018: €54
2019: €80
2020: €-5k
2021: €42k
2022: €5k
2023: €-3k
2024: €-12k
2018 → 2025
Working capital
€-5k
2024 · €101k
2018: €3k
2019: €3k
2020: €-6k
2021: €87k
2022: €62k
2023: €96k
2024: €101k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€54k▲ 10.3%€51k▼ 5.5%€39k▼ 23.4%€-15k
Operating result€44k-€10k▼ 77.4%€-245€-9k▼ 3,679%€-52k▼ 463%
Net result€42k-€5k▼ 88.0%€-3k€-12k▼ 303%€-54k▼ 355%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €52k in 2025 against €9k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€5k▼ 63.2%
Current assets
€65k▼ 49.3%
Key figures and ratios
EBITDA
€-44k▼
2024 · €3k
Cash flow
€-46k▼
2024 · €780
Solvency
-21.8%▼
2024 · 27.7%
Current ratio
0.93▼
2024 · 4.68
Quick ratio
0.53▼
2024 · 3.02
Debt / equity
-5.58▼
2024 · 2.62
ROA
-77.8%▼
2024 · -8.4%
Interest coverage
-25.95▼
2024 · 1.58
Debt
€85k▼
2024 · €102k
Debt ≤ 1 year
€70k▲
2024 · €27k
Debt > 1 year
€2k▼
2024 · €6k
Income taxes
€178▼
2024 · €500
Staff costs
€12k▼
2024 · €42k
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€141k€70k▼
Fixed assets21/28€13k€5k▼
Tangible fixed assets22/27€13k€5k▼
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€3k-
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€200€200=
Current assets29/58€128k€65k▼
Stocks and contracts in progress3€46k€28k▼
Stocks30/36€46k€28k▼
Amounts receivable within one year40/41€79k€35k▼
Trade receivables40€63k€23k▼
Other amounts receivable41€17k€12k▼
Cash at bank and in hand54/58€2k€2k▼
Deferred charges and accrued income490/1€900€945▲
Equity and liabilities
Total equity and liabilities10/49€141k€70k▼
Equity10/15€39k€-15k▼
Contributions10/11€19k€19k=
Reserves13€41k€41k=
Tax-exempt reserves132€38k€38k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-20k€-75k▼
Amounts payable17/49€102k€85k▼
Amounts payable after more than one year17€6k€2k▼
Financial debts170/4€6k€2k▼
Amounts payable within one year42/48€27k€70k▲
Current portion of amounts payable after more than one year42€3k€4k▲
Trade debts44€18k€7k▼
Suppliers440/4€18k€7k▼
Taxes, remuneration and social security45€5k€1k▼
Taxes450/3€1k€178▼
Remuneration and social security454/9€4k€1k▼
Other amounts payable47/48€346€58k▲
Accrued charges and deferred income492/3€68k€13k▼
Income statement
Code20242025
Remuneration, social security and pensions62€42k€12k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€8k▼
Other operating charges640/8€3k€892▼
Non-recurring operating charges66A€1k€295▼
Gross operating margin9900€49k€-31k▼
Operating profit (loss)9901€-9k€-52k▼
Financial income75/76B€4€0▼
Recurring financial income75€4€0▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Non-recurring financial charges66B-€367
Profit (loss) for the period before taxes9903€-11k€-54k▼
Income taxes67/77€500€178▼
Profit (loss) for the period9904€-12k€-54k▼
Profit (loss) for the period to be appropriated9905€-12k€-54k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-75k▼
Profit (loss) brought forward from the previous period14P€-8k€-20k▼
The notes to these accounts (6 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
31-12
Financial
Weakest financial yearnet €-54k
Net result drops to €-54k, the lowest in the series.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.91
Current ratio from 0.89 to 2.91; short-term debt falls from €58k to €46k.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
17-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 17 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
16-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 77 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Sint-Agatha-Berchem · 1 establishment unit since 1991
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.
Groot-Bijgaardenstraat 2311082 Sint-Agatha-BerchemGround area
180 m²
Building footprint
103 m²
Volume, LiDAR
853 m³
Parcel 21003A0114/00G003, Brussels · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OLYMPIADE
since 19912.051.671.447
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0114/00G003 | Brussels | 180 m² | 1 · 103 m² | 13.4 m · 3 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Agatha-Berchem2.051.671.447
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Of 20,510 companies in sector 56111 we hold annual accounts for 11,456. 9,699 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-1991
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:02 465 33 87