LORO

Active

Private limited companyfounded 199135 yrs activeGroot-Bijgaardenstraat 231, 1082 Sint-Agatha-Berchem, BelgiumKBO/BCE: BE 0442.687.016

The 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 13061 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

7 / 100

Critical▼ -48 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+100

Solvency43▼-22

Growth32▼-20

Stability100

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), and equity is negative.

How do we compute the score and the probability?

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

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2025

Solvency, return and age of the figures

Solvency

-21.8%

Return on assets

-77.8%

Age of the figures

8 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year -€15k

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 filings

Deviation 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 →

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 months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 deadline

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

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 is the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €70k

93.1%

Fixed assets €5k▼ 63.2%

Current assets €65k▼ 49.3%

Key figures and ratios

2025 value · change against 2024

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

ROE

356.4%▲

2024 · -30.5%

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.

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Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

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

establishment The establishment unit on the map

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-Berchem

Ground 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

Groot-Bijgaardenstraat 231, 1082 Sint-Agatha-BerchemNACE 5530101

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 site

Sint-Agatha-Berchem2.051.671.447

1 permission

Toelating · Eetgelegenheid · since 27-01-2009

Similar companies · same sector, comparable size

MENA

BE 0721.712.563

Stabroek · Eq €39k

Van Gansbeke-Van de Vyvere

Merelbeke-Melle · Eq €39k

Of 20,234 companies in sector 56111 we hold annual accounts for 11,312. 9,575 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 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

Phone:02 465 33 87

Enterprise