LoTech
ActiveThe computed 12-month bankruptcy probability of LoTech is 1.7% (moderate). The 2025 annual accounts show equity of €148k and a net result of €14k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 27172 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-33
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 20.7 against 17.55 in 2024), and 4.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
95.5%
Return on assets
9.3%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
60 d early
2024
50 d early
2023
58 d early
2022
14 d early
2021
25 d early
2020
51 d early
← 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€148k▲ 10.8%
2024 · €133k
2020: €30k
2021: €59k
2022: €88k
2023: €112k
2024: €133k
2020 → 2025
Total assets
€155k▲ 10.3%
2024 · €140k
2020: €76k
2021: €69k
2022: €97k
2023: €118k
2024: €140k
2020 → 2025
Net result
€14k▼ 34.0%
2024 · €22k
2020: €27k
2021: €29k
2022: €29k
2023: €24k
2024: €22k
2020 → 2025
Working capital
€136k▲ 19.6%
2024 · €114k
2020: €26k
2021: €56k
2022: €86k
2023: €111k
2024: €114k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€88k▲ 49.8%€112k▲ 27.1%€133k▲ 19.5%€148k▲ 10.8%
Operating result€40k-€40k▲ 1.5%€33k▼ 18.0%€32k▼ 2.0%€21k▼ 33.6%
Net result€29k-€29k▲ 1.5%€24k▼ 18.5%€22k▼ 8.6%€14k▼ 34.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 34% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€12k▼ 40.8%
Current assets
€143k▲ 18.5%
Equity and liabilities €155k
Equity
€148k▲ 10.8%
Debt
€7k▲ 0.5%
The debt ratio falls from 4.9% to 4.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€29k▼
2024 · €37k
Cash flow
€22k▼
2024 · €27k
Solvency
95.5%▲
2024 · 95.1%
Current ratio
20.70▲
2024 · 17.55
Quick ratio
20.10▲
2024 · 17.55
Debt / equity
0.05▼
2024 · 0.05
ROE
9.7%▼
2024 · 16.3%
ROA
9.3%▼
2024 · 15.5%
Interest coverage
184.68▲
2024 · 79.71
Debt
€7k▲
2024 · €7k
Debt ≤ 1 year
€7k▲
2024 · €7k
Income taxes
€7k▼
2024 · €10k
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€140k€155k▲
Fixed assets21/28€20k€12k▼
Tangible fixed assets22/27€20k€12k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€20k€12k▼
Current assets29/58€121k€143k▲
Stocks and contracts in progress3€0€4k▲
Stocks30/36€0€4k▲
Amounts receivable within one year40/41€21k€40k▲
Trade receivables40€21k€40k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€99k€96k▼
Deferred charges and accrued income490/1€887€4k▲
Equity and liabilities
Total equity and liabilities10/49€140k€155k▲
Equity10/15€133k€148k▲
Contributions10/11€3k€3k=
Reserves13€131k€145k▲
Distributable reserves133€131k€145k▲
Amounts payable17/49€7k€7k▲
Amounts payable within one year42/48€7k€7k▲
Trade debts44€203€298▲
Suppliers440/4€203€298▲
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€351€354▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€8k▲
Other operating charges640/8€1k€938▼
Gross operating margin9900€39k€30k▼
Operating profit (loss)9901€32k€21k▼
Financial income75/76B€280€221▼
Recurring financial income75€280€221▼
Financial charges65/66B€470€159▼
Recurring financial charges65€470€159▼
Profit (loss) for the period before taxes9903€32k€21k▼
Income taxes67/77€10k€7k▼
Profit (loss) for the period9904€22k€14k▼
Profit (loss) for the period to be appropriated9905€22k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€14k▼
Transfer to equity691/2€22k€14k▼
To other reserves6921€22k€14k▼
The notes to these accounts (4 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €14k ▼34%
Net result drops to €14k, the lowest in the series.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €112k ▲27.1%
4 profitable years in a row build equity to €112k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €29k ▲1.5%
Operating result €40k, net result €29k, both a record.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 6.32
Current ratio from 1.57 to 6.32; short-term debt falls from €46k to €11k.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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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, Heusden-Zolder · 1 establishment unit since 2019
Ground area
1,788 m²
Building footprint
121 m²
Volume, LiDAR
733 m³
Parcel 71065A1285/00T000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LoTech
since 20192.295.745.025
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065A1285/00T000 | Flanders | 1,788 m² | 1 · 121 m² | 10.3 m · 2 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 6,986 companies in sector 43221 we hold annual accounts for 3,442. 2,975 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2019
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
46150Agents in the wholesale of furniture, household goods and hardware
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.