LOTIBRU
ActiveLOTIBRU has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €-2k. Equity remains stable across the filed fiscal years (±2.4% per year). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-10
Solvency68=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.5 against 0.42 in 2024; short-term debt: 43.7% and cash: 21.9% of total assets), and 57.4% 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 · 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 2025Solvency, return and age of the figures
Solvency
42.6%
Return on assets
-2.1%
Age of the figures
9 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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
38 d early
2023
33 d early
2022
32 d early
2021
86 d early
2020
26 d early
2019
52 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2024 · €0
2024: €0
2024 → 2025
EBIT margin
Not included in this filing
Net result
€-2k
2024 · €962
2018: €10
2019: €2k
2020: €-5k
2021: €4k
2022: €3k
2023: €1k
2024: €962
2018 → 2025
Working capital
€-23k▲ 10.9%
2024 · €-26k
2018: €-4k
2019: €-4k
2020: €-3k
2021: €658
2022: €-33k
2023: €-25k
2024: €-26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0€0
Equity€41k-€45k▲ 8.4%€46k▲ 3.0%€47k▲ 2.1%€45k▼ 4.8%
Operating result€5k-€4k▼ 11.4%€2k▼ 57.8%€5k▲ 160%€1k▼ 70.6%
Net result€4k-€3k▼ 13.8%€1k▼ 61.5%€962▼ 27.8%€-2k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 71% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€78k▼ 10.7%
Current assets
€23k▲ 21.8%
Equity and liabilities €105k
Equity
€45k▼ 4.8%
Debt
€60k▼ 4.6%
The debt ratio stays at 57.4%.
Key figures and ratios
EBITDA
€11k▼
2024 · €13k
Cash flow
€7k▼
2024 · €9k
Solvency
42.6%▼
2024 · 42.7%
Current ratio
0.50▲
2024 · 0.42
Quick ratio
0.50▲
2024 · 0.42
Debt / equity
1.35▲
2024 · 1.34
ROE
-5.0%▼
2024 · 2.0%
ROA
-2.1%▼
2024 · 0.9%
Interest coverage
2.91▼
2024 · 3.64
Debt
€60k▼
2024 · €63k
Debt ≤ 1 year
€46k▲
2024 · €45k
Debt > 1 year
€12k▼
2024 · €15k
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€110k€105k▼
Formation expenses20€4k€4k=
Fixed assets21/28€87k€78k▼
Tangible fixed assets22/27€87k€78k▼
Land and buildings22€87k€78k▼
Current assets29/58€19k€23k▲
Cash at bank and in hand54/58€19k€23k▲
Equity and liabilities
Total equity and liabilities10/49€110k€105k▼
Equity10/15€47k€45k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€10k€10k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-25k€-27k▼
Amounts payable17/49€63k€60k▼
Amounts payable after more than one year17€15k€12k▼
Financial debts170/4€15k€12k▼
Amounts payable within one year42/48€45k€46k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€360€360=
Taxes450/3€360€360=
Other amounts payable47/48€39k€39k=
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Turnover70€0€0=
Goods, raw materials, services and sundry goods60/61€0€0=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€17k€15k▼
Operating profit (loss)9901€5k€1k▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€1k€-2k▼
Income taxes67/77€360-
Profit (loss) for the period9904€962€-2k▼
Profit (loss) for the period to be appropriated9905€962€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€-27k▼
Profit (loss) brought forward from the previous period14P€-26k€-25k▲
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.16
Current ratio from 0.57 to 1.16; short-term debt falls from €7k to €4k.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-5k ▼329%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
07-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Liège · 1 establishment unit since 1994
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.
Avenue de l'Observatoire 1584000 LiègeGround area
3,194 m²
Building footprint
420 m²
Volume, LiDAR
9,298 m³
2 parcels, Brussels, Wallonia · tallest building 26.4 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Barastraat 55 5, 1070 Anderlecht
since 19942.065.744.266
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62804C0358/00R000 | Wallonia | 2,641 m² | 1 · 361 m² | 26.4 m · 8 fl. |
| 21305C0266/00C012 | Brussels | 553 m² | 1 · 59 m² | 16.6 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-06-1993
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.