Loromat 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 €79k and a net result of €16k. Its solvency ranks better than 19% of 7980 sector peers (fiscal year 2025). The company has been active since 2024 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 advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 7980 sector peers (2025).
NBB · sector comparisonPosition among 7980 sector peers
Solvency
better than 19%
← weakest
strongest →
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 1 filingDeviation from the deadline
2025
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€79k
Net result
€16k
Total assets
€562k
Solvency
14.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €562k
Fixed assets
€531k
Current assets
€31k
Equity and liabilities €562k
Equity
€79k
Debt
€484k
Debt finances 86.0% of the balance-sheet total.
Key figures and ratios
Solvency
14.0%
ROE
19.8%
ROA
2.8%
Debt
€484k
Debt ≤ 1 year
€85k
Debt > 1 year
€399k
Income taxes
€3k
Staff costs
€746
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€562k
Fixed assets21/28€531k
Tangible fixed assets22/27€531k
Land and buildings22€531k
Current assets29/58€31k
Amounts receivable within one year40/41€18k
Trade receivables40€18k
Cash at bank and in hand54/58€13k
Equity and liabilities
Total equity and liabilities10/49€562k
Equity10/15€79k
Contributions10/11€63k
Profit (loss) carried forward14€16k
Amounts payable17/49€484k
Amounts payable after more than one year17€399k
Financial debts170/4€399k
Amounts payable within one year42/48€85k
Current portion of amounts payable after more than one year42€22k
Trade debts44€3k
Suppliers440/4€3k
Taxes, remuneration and social security45€23k
Taxes450/3€13k
Remuneration and social security454/9€10k
Other amounts payable47/48€37k
Income statement
Code2025
Remuneration, social security and pensions62€746
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k
Other operating charges640/8€507
Gross operating margin9900€56k
Operating profit (loss)9901€35k
Financial charges65/66B€17k
Recurring financial charges65€17k
Profit (loss) for the period before taxes9903€18k
Income taxes67/77€3k
Profit (loss) for the period9904€16k
Profit (loss) for the period to be appropriated9905€16k
Appropriation of the result
Profit (loss) to be appropriated9906€16k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Lint · 1 establishment unit since 2024
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.
Tarweblok 182547 LintGround area
395 m²
Building footprint
82 m²
Volume, LiDAR
625 m³
Parcel 11025D0026/00X002, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Loromat
since 20242.367.145.438
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11025D0026/00X002 | Flanders | 395 m² | 1 · 82 m² | 10.6 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 11,697 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2024
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.