LOROMA
ActiveSummary
LOROMA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€302,294) and a net result of €9,804. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 5% of 9742 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability70▲+15
Solvency0▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.71 against 0.78 in 2023; short-term debt: 13.1% and cash: 2.4% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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 · 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 2024Solvency, return and age of the figures
Solvency
-27.5%
Return on assets
0.9%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9742 sector peers (2024).
NBB · sector comparisonPosition among 9742 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-09-2025, 59 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
not confirmed
2024
59 d late
2023
1 d early
2022
31 d late
2021
92 d late
2020
31 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 51 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
-€302,294▲ 3.1%
2023 · -€312,099
Total assets
€1.1m▼ 13.7%
2023 · €1.3m
Net result
€9,804
2023 · -€58,708
Working capital
-€41,326▼ 10.5%
2023 · -€37,395
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€95,996▼ 39.3%€27,365▼ 71.5%-€7,450€25,243€51,124▲ 103%
Net result€46,213within the sector's middle half▼ 56.0%-€6,291within the sector's middle half-€45,987below the sector's middle half▼ 631%-€58,708below the sector's middle half▼ 27.7%€9,804within the sector's middle half
Equity-€201,113below the sector's middle half▲ 17.3%-€207,404below the sector's middle half▼ 3.1%-€253,391below the sector's middle half▼ 22.2%-€312,099below the sector's middle half▼ 23.2%-€302,294below the sector's middle half▲ 3.1%
Total assets€1.8mwithin the sector's middle half▼ 5.6%€1.8mwithin the sector's middle half▼ 1.5%€1.6mwithin the sector's middle half▼ 14.2%€1.3mwithin the sector's middle half▼ 18.4%€1.1mwithin the sector's middle half▼ 13.7%
Debt€2.0m▼ 6.9%€2.0m▼ 1.0%€1.8m▼ 10.5%€1.6m▼ 12.6%€1.4m▼ 11.6%
Working capital-€124,249within the sector's middle half▲ 50.0%-€22,028within the sector's middle half▲ 82.3%€18,745within the sector's middle half-€37,395within the sector's middle half-€41,326within the sector's middle half▼ 10.5%
Solvency-10.9%below the sector's middle half▲ 1.6pp-11.4%below the sector's middle half▼ 0.5pp-16.2%below the sector's middle half▼ 4.8pp-24.5%below the sector's middle half▼ 8.3pp-27.5%below the sector's middle half▼ 3.0pp
Current ratio0.62within the sector's middle half▲ 0.310.94within the sector's middle half▲ 0.321.07within the sector's middle half▲ 0.130.78within the sector's middle half▼ 0.290.71within the sector's middle half▼ 0.07
Return on assets (ROA)2.5%within the sector's middle half▼ 2.9pp-0.3%within the sector's middle half▼ 2.8pp-2.9%below the sector's middle half▼ 2.6pp-4.6%below the sector's middle half▼ 1.7pp0.9%within the sector's middle half▲ 5.5pp
Staff (FTE)0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 103% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.1m
Fixed assets
€997,716 ▼ 12.8%
Current assets
€102,782 ▼ 22.0%
Key figures and ratios
EBITDA
€200,194▲
2023 · €174,716
Cash flow
€158,874▲
2023 · €90,766
Debt to equity
-4.64▲
2023 · -5.09
Interest coverage
6.40▲
2023 · 5.02
Debt ≤ 1 year
€144,108▼
2023 · €169,103
Debt > 1 year
€1.2m▼
2023 · €1.4m
Income taxes
€9,954▼
2023 · €49,196
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 517 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 92% are still going.
- Small
- 20 years or older
- negative equity
- a profit under 5% of the balance sheet
2.5%
went bankrupt
3.9%
stopped otherwise
92%
still going
A further 1.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% 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%.
| 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 517 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €202,909 | €205,323 | €192,463 | €149,473 | €149,070 | ▼ 0.3% |
| Other operating charges640/8 | - | €7,887 | €11,065 | €9,219 | €4,955 | ▼ 46.3% |
| Non-recurring operating charges66A | - | - | - | €5,289 | - | - |
| Gross operating margin9900 | €307,395 | €240,575 | €196,079 | €189,224 | €205,148 | ▲ 8.4% |
| Operating profit (loss)9901 | €95,996 | €27,365 | -€7,450 | €25,243 | €51,124 | ▲ 103% |
| Financial income75/76B | - | €1 | €0 | €34 | €539 | ▲ 1,500% |
| Recurring financial income75 | €1 | €1 | €0 | €34 | €539 | ▲ 1,500% |
| Financial charges65/66B | - | €33,175 | €36,935 | €34,788 | €31,905 | ▼ 8.3% |
| Recurring financial charges65 | €36,033 | €33,175 | €36,935 | €34,788 | €31,285 | ▼ 10.1% |
| Non-recurring financial charges66B | - | - | - | - | €620 | - |
| Profit (loss) for the period before taxes9903 | €59,964 | -€5,809 | -€44,385 | -€9,512 | €19,758 | ▲ 308% |
| Income taxes67/77 | €13,750 | €482 | €1,602 | €49,196 | €9,954 | ▼ 79.8% |
| Profit (loss) for the period9904 | €46,213 | -€6,291 | -€45,987 | -€58,708 | €9,804 | ▲ 117% |
| Profit (loss) for the period to be appropriated9905 | €46,213 | -€6,291 | -€45,987 | -€58,708 | €9,804 | ▲ 117% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.8m | €1.8m | €1.6m | €1.3m | €1.1m | ▼ 13.7% |
| Fixed assets21/28 | €1.6m | €1.5m | €1.3m | €1.1m | €997,716 | ▼ 12.8% |
| Tangible fixed assets22/27 | €1.6m | €1.5m | €1.3m | €1.1m | €997,716 | ▼ 12.7% |
| Land and buildings22 | - | €1.4m | €1.2m | €1.1m | €972,319 | ▼ 12.3% |
| Plant, machinery and equipment23 | - | €13,351 | €10,394 | €19,000 | €13,996 | ▼ 26.3% |
| Furniture and vehicles24 | - | €26,579 | €20,039 | €15,294 | €11,401 | ▼ 25.5% |
| Other tangible fixed assets26 | - | €41,642 | €5,289 | €0 | - | - |
| Financial fixed assets28 | €620 | €620 | €620 | €620 | - | - |
| Current assets29/58 | €205,336 | €357,684 | €286,729 | €131,708 | €102,782 | ▼ 22.0% |
| Amounts receivable within one year40/41 | €173,381 | €341,256 | €267,052 | €104,033 | €74,900 | ▼ 28.0% |
| Trade receivables40 | - | €340,703 | €267,052 | €64,249 | €74,369 | ▲ 15.8% |
| Other amounts receivable41 | - | €553 | €0 | €39,784 | €530 | ▼ 98.7% |
| Cash at bank and in hand54/58 | €23,781 | €12,211 | €18,686 | €26,159 | €26,129 | ▼ 0.1% |
| Deferred charges and accrued income490/1 | - | €4,218 | €991 | €1,516 | €1,754 | ▲ 15.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.8m | €1.8m | €1.6m | €1.3m | €1.1m | ▼ 13.7% |
| Equity10/15 | -€201,113 | -€207,404 | -€253,391 | -€312,099 | -€302,294 | ▲ 3.1% |
| Contributions10/11 | €291,510 | €291,510 | €291,510 | €291,510 | €291,510 | = |
| Capital10 | - | €291,510 | €291,510 | €291,510 | €291,510 | = |
| Issued capital100 | - | €291,510 | €291,510 | €291,510 | €291,510 | = |
| Reserves13 | €110,995 | €110,995 | €110,995 | €110,995 | €110,995 | = |
| Non-distributable reserves130/1 | - | €29,151 | €29,151 | €29,151 | €29,151 | = |
| Legal reserve130 | - | €29,151 | €29,151 | €29,151 | - | - |
| Reserves not available under the articles1311 | - | - | - | - | €29,151 | - |
| Distributable reserves133 | - | €81,844 | €81,844 | €81,844 | €81,844 | = |
| Profit (loss) carried forward14 | -€603,618 | -€609,909 | -€655,896 | -€714,603 | -€704,799 | ▲ 1.4% |
| Amounts payable17/49 | €2.0m | €2.0m | €1.8m | €1.6m | €1.4m | ▼ 11.6% |
| Amounts payable after more than one year17 | €1.7m | €1.6m | €1.5m | €1.4m | €1.2m | ▼ 12.8% |
| Financial debts170/4 | - | €1.6m | €1.5m | €1.4m | €1.2m | ▼ 12.8% |
| Other amounts payable178/9 | - | €6,300 | €5,500 | €0 | - | - |
| Amounts payable within one year42/48 | €329,585 | €379,712 | €267,984 | €169,103 | €144,108 | ▼ 14.8% |
| Current portion of amounts payable after more than one year42 | - | €89,469 | €87,379 | €88,897 | €90,856 | ▲ 2.2% |
| Trade debts44 | €35,487 | €73,409 | €10,792 | €13,207 | €4,047 | ▼ 69.4% |
| Suppliers440/4 | - | €73,409 | €10,792 | €13,207 | €4,047 | ▼ 69.4% |
| Taxes, remuneration and social security45 | - | €45,010 | €13,144 | €39,370 | €28,590 | ▼ 27.4% |
| Taxes450/3 | - | €45,010 | €13,144 | €39,370 | €28,590 | ▼ 27.4% |
| Remuneration and social security454/9 | - | €0 | - | - | - | - |
| Other amounts payable47/48 | - | €171,824 | €156,669 | €27,629 | €20,615 | ▼ 25.4% |
| Accrued charges and deferred income492/3 | - | €35,623 | €49,115 | €63,497 | €77,452 | ▲ 22.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €46,213 | -€6,291 | -€45,987 | -€58,708 | €9,804 | ▲ 117% |
| + Depreciation and write-downs630 | €202,909 | €205,323 | €192,463 | €149,473 | €149,070 | ▼ 0.3% |
| Operating cash flow (approximation) | €249,122 | €199,032 | €146,476 | €90,766 | €158,874 | ▲ 75.0% |
| Investment in fixed assets (approximation) | - | -€25,694 | -€5,405 | -€16,573 | -€2,890 | ▲ 82.6% |
| Change in cash | - | -€11,570 | €6,475 | €7,473 | -€30 | ▼ 100% |
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
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 59 days late
2024
31-12
Financial
Back to profitnet €9,804
Net result €9,804 after 3 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 92 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Back to profitnet €104,960
Net result €104,960 after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
08-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
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, Brasschaat · 1 establishment unit since 2005
Ground area
233 m²
Building footprint
233 m²
Volume, LiDAR
2,132 m³
Parcel 11008H0179/00C000, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
LOROMA
since 20052.145.357.017
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11008H0179/00C000 | Flanders | 233 m² | 1 · 233 m² | 12.8 m · 3 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.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 7,326 companies in sector 68110 we hold annual accounts for 5,390. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded04-02-2005
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
73200Market research and public opinion polling
E-invoicing
Reachable via Peppol
Peppol ID
0208:0871703465
Also
9925:BE0871703465
Registered
16-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.