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LOT3

Active
Private limited company (pre-2019)founded 20188 yrs activeCallebeekstraat 125, 2620 Hemiksem, BelgiumKBO/BCE: BE 0687.686.943
Summary

LOT3 has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €44,765 and a net result of €10,737. Equity is growing by ~31.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.5% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability76▼-1
Solvency49▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity short (current ratio 0.74 against 0.59 in 2023; short-term debt: 17.6% and cash: 13% of total assets), and 76.2% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
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 2024
Solvency, return and age of the figures
Solvency
23.8%
Return on assets
5.7%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 7 filings
Deviation from the deadline
2025
not confirmed
2024
61 d late
2023
61 d late
2022
31 d late
2021
23 d early
2020
26 d late
2019
20 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 29 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · 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

History

LOT3 was incorporated on 9 January 2018.1 Total assets fell from EUR 252,717 in 2018 to EUR 188,398 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€44,765▲ 31.6%
2023 · €34,028
Total assets
€188,398▼ 2.2%
2023 · €192,576
Net result
€10,737▼ 16.3%
2023 · €12,830
Working capital
-€8,556▲ 39.6%
2023 · -€14,157
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result€2,091▼ 63.6%€12,472▲ 496%€5,924▼ 52.5%€18,907▲ 219%€17,636▼ 6.7%
Net result-€1,848€8,960€2,880▼ 67.9%€12,830▲ 345%€10,737▼ 16.3%
Equity€9,358▼ 16.5%€18,318▲ 95.7%€21,198▲ 15.7%€34,028▲ 60.5%€44,765▲ 31.6%
Total assets€225,684▼ 6.5%€212,098▼ 6.0%€188,109▼ 11.3%€192,576▲ 2.4%€188,398▼ 2.2%
Debt€216,326▼ 6.0%€193,781▼ 10.4%€166,911▼ 13.9%€158,547▼ 5.0%€143,632▼ 9.4%
Working capital-€31,320▼ 14.7%-€22,967▲ 26.7%-€21,590▲ 6.0%-€14,157▲ 34.4%-€8,556▲ 39.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000€0€10,000€20,000Operating result 2020: €2,091€2,091Net result 2020: -€1,848-€1,848Operating result 2021: €12,472€12,472Net result 2021: €8,960€8,960Operating result 2022: €5,924€5,924Net result 2022: €2,880€2,880Operating result 2023: €18,907€18,907Net result 2023: €12,830€12,830Operating result 2024: €17,636€17,636Net result 2024: €10,737€10,73720202021202220232024€0€5,000€10,000€15,000€20,000Operating result 2022: €5,924€5,920Net result 2022: €2,880€2,880Operating result 2023: €18,907€18,900Net result 2023: €12,830€12,800Operating result 2024: €17,636€17,600Net result 2024: €10,737€10,700202220232024
The operating result falls in 2024; 2024 is 7% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €188,398
Fixed assets €163,864 ▼ 5.0%
Current assets €24,533 ▲ 22.3%
Equity and liabilities €188,398
Equity €44,765 ▲ 31.6%
Debt €143,632 ▼ 9.4%
Debt's share of the balance-sheet total falls from 82.3% to 76.2%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€26,289▼
2023 · €27,560
Cash flow
€19,390▼
2023 · €21,484
Current ratio
0.74▲
2023 · 0.59
Debt to equity
3.21▼
2023 · 4.66
ROE
24.0%▼
2023 · 37.7%
ROA
5.7%▼
2023 · 6.7%
Interest coverage
9.14▼
2023 · 9.88
Debt ≤ 1 year
€33,090▼
2023 · €34,215
Debt > 1 year
€110,543▼
2023 · €124,333
Income taxes
€4,022▲
2023 · €3,286
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 6,713 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 32 lines
Balance sheet Code20232024
Assets
Total assets20/58€192,576€188,398▼
Fixed assets21/28€172,518€163,864▼
Tangible fixed assets22/27€172,518€163,864▼
Land and buildings22€172,518€163,864▼
Current assets29/58€20,058€24,533▲
Cash at bank and in hand54/58€20,058€24,533▲
Equity and liabilities
Total equity and liabilities10/49€192,576€188,398▼
Equity10/15€34,028€44,765▲
Contributions10/11€25,000€25,000=
Profit (loss) carried forward14€9,028€19,765▲
Amounts payable17/49€158,547€143,632▼
Amounts payable after more than one year17€124,333€110,543▼
Financial debts170/4€124,333€110,543▼
Amounts payable within one year42/48€34,215€33,090▼
Current portion of amounts payable after more than one year42€13,790€13,790=
Trade debts44€2,018€427▼
Suppliers440/4€2,018€427▼
Taxes, remuneration and social security45€3,286€4,022▲
Taxes450/3€3,286€4,022▲
Other amounts payable47/48€15,121€14,851▼
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,653€8,653=
Other operating charges640/8€2,658€2,743▲
Gross operating margin9900€30,218€29,032▼
Operating profit (loss)9901€18,907€17,636▼
Financial charges65/66B€2,790€2,877▲
Recurring financial charges65€2,790€2,877▲
Profit (loss) for the period before taxes9903€16,116€14,759▼
Income taxes67/77€3,286€4,022▲
Profit (loss) for the period9904€12,830€10,737▼
Profit (loss) for the period to be appropriated9905€12,830€10,737▼
Appropriation of the result
Profit (loss) to be appropriated9906€9,028€19,765▲
Profit (loss) brought forward from the previous period14P-€3,802€9,028▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12,584€12,584€12,584€8,653€8,653=
Other operating charges640/8-€2,263€2,395€2,658€2,743▲ 3.2%
Gross operating margin9900€16,575€27,319€20,902€30,218€29,032▼ 3.9%
Operating profit (loss)9901€2,091€12,472€5,924€18,907€17,636▼ 6.7%
Financial income75/76B--€8---
Recurring financial income75--€8---
Financial charges65/66B-€3,512€3,052€2,790€2,877▲ 3.1%
Recurring financial charges65€3,939€3,512€3,052€2,790€2,877▲ 3.1%
Profit (loss) for the period before taxes9903-€1,848€8,960€2,880€16,116€14,759▼ 8.4%
Income taxes67/77---€3,286€4,022▲ 22.4%
Profit (loss) for the period9904-€1,848€8,960€2,880€12,830€10,737▼ 16.3%
Profit (loss) for the period to be appropriated9905-€1,848€8,960€2,880€12,830€10,737▼ 16.3%
Line20202021202220232024Change
Assets
Total assets20/58€225,684€212,098€188,109€192,576€188,398▼ 2.2%
Fixed assets21/28€206,338€193,755€181,171€172,518€163,864▼ 5.0%
Tangible fixed assets22/27€206,338€193,755€181,171€172,518€163,864▼ 5.0%
Land and buildings22-€193,755€181,171€172,518€163,864▼ 5.0%
Current assets29/58€19,345€18,344€6,938€20,058€24,533▲ 22.3%
Amounts receivable within one year40/41€188€23€0---
Trade receivables40-€23€0---
Cash at bank and in hand54/58€19,157€6,654€6,938€20,058€24,533▲ 22.3%
Deferred charges and accrued income490/1-€11,666€0---
Equity and liabilities
Total equity and liabilities10/49€225,684€212,098€188,109€192,576€188,398▼ 2.2%
Equity10/15€9,358€18,318€21,198€34,028€44,765▲ 31.6%
Contributions10/11-€25,000€25,000€25,000€25,000=
Profit (loss) carried forward14-€15,642-€6,682-€3,802€9,028€19,765▲ 119%
Amounts payable17/49€216,326€193,781€166,911€158,547€143,632▼ 9.4%
Amounts payable after more than one year17€165,440€151,912€138,384€124,333€110,543▼ 11.1%
Financial debts170/4-€151,912€138,384€124,333€110,543▼ 11.1%
Amounts payable within one year42/48€50,665€41,311€28,527€34,215€33,090▼ 3.3%
Current portion of amounts payable after more than one year42-€13,528€13,528€13,790€13,790=
Trade debts44€2,259€711€136€2,018€427▼ 78.8%
Suppliers440/4-€711€136€2,018€427▼ 78.8%
Taxes, remuneration and social security45---€3,286€4,022▲ 22.4%
Taxes450/3---€3,286€4,022▲ 22.4%
Other amounts payable47/48-€27,072€14,863€15,121€14,851▼ 1.8%
Accrued charges and deferred income492/3-€558€0---
Line20202021202220232024Change
Profit (loss) for the period9904-€1,848€8,960€2,880€12,830€10,737▼ 16.3%
+ Depreciation and write-downs630€12,584€12,584€12,584€8,653€8,653=
Operating cash flow (approximation)€10,736€21,543€15,464€21,484€19,390▼ 9.7%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash--€12,503€283€13,120€4,476▼ 65.9%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
30-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial Highest result since 2018net €12,830 ▲345%
Operating result €18,907, net result €12,830, both a record.
31-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
08-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial Back to profitnet €8,960
Net result €8,960 after one loss-making year.
26-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
20-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
31-12
Financial Back to profitnet €1,760
Net result €1,760 after one loss-making year.
30-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 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
2 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, Hemiksem · 1 establishment unit since 2018
seat establishment The establishment unit on the map
Ground area
197 m²
Building footprint
174 m²
Volume, LiDAR
1,014 m³
Parcel 11018C0217/00C002, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOT3
Callebeekstraat 125, 2620 HemiksemRenting and operating of own or leased residential real estate, excluding social housing
since 20182.272.151.556
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11018C0217/00C002 Flanders 197 m² 1 · 174 m² 6.7 m · 2 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.

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded09-01-2018
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.