LOTEK
ActiveLOTEK has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €15k. Equity is growing by ~56.8% per year across the filed fiscal years. Its solvency ranks better than 14% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-32
Solvency31▼-17
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.36 against 1.05 in 2024; short-term debt: 15.8% and cash: 3.2% of total assets), and 93.7% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
6.3%
Return on assets
2.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 31584 sector peers (2025).
NBB · sector comparisonPosition among 31584 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
49 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 61.9%
2024 · €24k
2023: €11k
2024: €24k
2023 → 2025
Total assets
€611k▲ 485%
2024 · €104k
2023: €32k
2024: €104k
2023 → 2025
Net result
€15k▲ 19.5%
2024 · €12k
2023: €9k
2024: €12k
2023 → 2025
Working capital
€-62k
2024 · €4k
2023: €6k
2024: €4k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€11k-€24k▲ 107%€39k▲ 61.9%
Operating result€16k-€18k▲ 12.0%€34k▲ 92.8%
Net result€9k-€12k▲ 30.1%€15k▲ 19.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 93% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €611k
Fixed assets
€576k▲ 2,269%
Current assets
€34k▼ 57.0%
Equity and liabilities €611k
Equity
€39k▲ 61.9%
Debt
€572k▲ 610%
The debt ratio rises from 77.2% to 93.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▲
2024 · €24k
Cash flow
€35k▲
2024 · €19k
Solvency
6.3%▼
2024 · 22.8%
Current ratio
0.36▼
2024 · 1.05
Quick ratio
0.36▼
2024 · 1.05
Debt / equity
14.84▲
2024 · 3.39
ROE
38.2%▼
2024 · 51.8%
ROA
2.4%▼
2024 · 11.8%
Interest coverage
3.57▼
2024 · 220.51
Debt
€572k▲
2024 · €81k
Debt ≤ 1 year
€96k▲
2024 · €76k
Debt > 1 year
€473k
Income taxes
€4k▼
2024 · €5k
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€104k€611k▲
Fixed assets21/28€24k€576k▲
Tangible fixed assets22/27€24k€576k▲
Land and buildings22-€559k
Furniture and vehicles24€24k€17k▼
Current assets29/58€80k€34k▼
Amounts receivable within one year40/41€8k€14k▲
Trade receivables40€5k€14k▲
Other amounts receivable41€2k-
Cash at bank and in hand54/58€73k€19k▼
Deferred charges and accrued income490/1€25€1k▲
Equity and liabilities
Total equity and liabilities10/49€104k€611k▲
Equity10/15€24k€39k▲
Contributions10/11€2k€2k=
Reserves13€12k€12k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€9k€24k▲
Amounts payable17/49€81k€572k▲
Amounts payable after more than one year17-€473k
Financial debts170/4-€473k
Amounts payable within one year42/48€76k€96k▲
Current portion of amounts payable after more than one year42-€18k
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€8k€10k▲
Taxes450/3€6k€10k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€66k€65k▼
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€20k▲
Other operating charges640/8€1k€705▼
Gross operating margin9900€26k€55k▲
Operating profit (loss)9901€18k€34k▲
Financial income75/76B€13€8▼
Recurring financial income75€13€8▼
Financial charges65/66B€110€15k▲
Recurring financial charges65€110€15k▲
Profit (loss) for the period before taxes9903€18k€19k▲
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€12k€15k▲
Profit (loss) for the period to be appropriated9905€12k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€24k▲
Profit (loss) brought forward from the previous period14P€9k€9k=
Transfer to equity691/2€12k-
To other reserves6921€12k-
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2023net €15k ▲19.5%
Operating result €34k, net result €15k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2023
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.
Chemin du Griffon 11340 Ottignies-Louvain-la-NeuveGround area
3,393 m²
Building footprint
289 m²
Volume, LiDAR
2,087 m³
Parcel 25083F0465/00B000, Wallonia · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOTEK
since 20232.344.533.946
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25083F0465/00B000 | Wallonia | 3,393 m² | 1 · 289 m² | 11.3 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.
Similar companies · same sector, comparable size
SOCIETE DE PARTICIPATION ET DE GESTION
BE 0429.944.481
Sprimont · Eq €39k
AGIVIO
BE 0759.494.657
Jodoigne · Eq €39k
EU STRATEGY
BE 0821.127.368
Elsene · Eq €39k
MARKETEAM
BE 0727.647.973
Evere · Eq €39k
What Els
BE 0770.631.742
Mechelen · Eq €39k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 36,456 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71209Other technical testing and analysis
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.