LOTRACO
ActiveLOTRACO has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.07M and a net result of €77k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 75% of 4488 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+8
Solvency90▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity short (current ratio 0.57 against 0.41 in 2024; short-term debt: 31.3% and cash: 15.7% of total assets), and 34.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
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
65.1%
Return on assets
2.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
on the day
2022
1 d early
2021
34 d early
2020
33 d early
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.07M▲ 3.9%
2024 · €2.00M
2019: €1.71M
2020: €1.78M
2021: €1.85M
2022: €1.98M
2023: €1.97M
2024: €2.00M
2019 → 2025
Total assets
€3.18M▲ 2.0%
2024 · €3.12M
2019: €2.21M
2020: €2.18M
2021: €2.16M
2022: €2.10M
2023: €3.05M
2024: €3.12M
2019 → 2025
Net result
€77k▲ 215%
2024 · €24k
2019: €25k
2020: €79k
2021: €76k
2022: €127k
2023: €-6k
2024: €24k
2019 → 2025
Working capital
€-432k▲ 28.4%
2024 · €-604k
2019: €-20k
2020: €17k
2021: €54k
2022: €148k
2023: €-680k
2024: €-604k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.85M-€1.98M▲ 6.9%€1.97M▼ 0.3%€2.00M▲ 1.2%€2.07M▲ 3.9%
Operating result€95k-€165k▲ 74.1%€3k▼ 98.0%€98k▲ 2,813%€172k▲ 75.3%
Net result€76k-€127k▲ 68.1%€-6k€24k€77k▲ 215%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 75% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.18M
Fixed assets
€2.62M▼ 3.2%
Current assets
€564k▲ 35.6%
Equity and liabilities €3.18M
Equity
€2.07M▲ 3.9%
Provisions
€18k▼ 5.3%
Debt
€1.09M▼ 1.3%
The debt ratio falls from 35.5% to 34.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€273k▲
2024 · €200k
Cash flow
€177k▲
2024 · €126k
Solvency
65.1%▲
2024 · 63.9%
Current ratio
0.57▲
2024 · 0.41
Quick ratio
0.56▲
2024 · 0.40
Debt / equity
0.53▼
2024 · 0.55
ROE
3.7%▲
2024 · 1.2%
ROA
2.4%▲
2024 · 0.8%
Interest coverage
3.65▲
2024 · 2.92
Debt
€1.09M▼
2024 · €1.11M
Debt ≤ 1 year
€996k▼
2024 · €1.02M
Income taxes
€22k▲
2024 · €7k
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€3.12M€3.18M▲
Fixed assets21/28€2.70M€2.62M▼
Tangible fixed assets22/27€2.70M€2.62M▼
Land and buildings22€2.70M€2.61M▼
Plant, machinery and equipment23€5k€4k▼
Current assets29/58€416k€564k▲
Stocks and contracts in progress3€6k€4k▼
Stocks30/36€6k€4k▼
Amounts receivable within one year40/41€51k€50k▼
Trade receivables40€48k€50k▲
Other amounts receivable41€3k-
Cash at bank and in hand54/58€346k€500k▲
Deferred charges and accrued income490/1€13k€10k▼
Equity and liabilities
Total equity and liabilities10/49€3.12M€3.18M▲
Equity10/15€2.00M€2.07M▲
Contributions10/11€879k€879k=
Capital10€879k€879k=
Issued capital100€879k€879k=
Reserves13€408k€407k▼
Non-distributable reserves130/1€86k€88k▲
Legal reserve130€86k€88k▲
Tax-exempt reserves132€213k€210k▼
Distributable reserves133€109k€109k=
Profit (loss) carried forward14€709k€786k▲
Provisions and deferred taxes16€19k€18k▼
Deferred taxes168€19k€18k▼
Amounts payable17/49€1.11M€1.09M▼
Amounts payable within one year42/48€1.02M€996k▼
Trade debts44€22k€4k▼
Suppliers440/4€22k€4k▼
Taxes, remuneration and social security45€14k€13k▼
Taxes450/3€12k€11k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€983k€979k▼
Accrued charges and deferred income492/3€87k€96k▲
Income statement
Code20242025
Non-recurring operating income76A€4k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€101k€100k▼
Other operating charges640/8€7k€10k▲
Gross operating margin9900€207k€283k▲
Operating profit (loss)9901€98k€172k▲
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€68k€75k▲
Recurring financial charges65€68k€75k▲
Profit (loss) for the period before taxes9903€30k€98k▲
Transfer from deferred taxes780€988€988=
Income taxes67/77€7k€22k▲
Profit (loss) for the period9904€24k€77k▲
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€27k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€710k€789k▲
Profit (loss) brought forward from the previous period14P€683k€709k▲
Transfer to equity691/2€1k€2k▲
To the legal reserve6920€1k€2k▲
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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €2MEq €2.07M ▲3.9%
2 profitable years in a row build equity to €2.07M.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-6k ▼105%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €127k ▲68.1%
Net result €127k, the highest in the series.
30-06
Financial
Liquidity doublescurrent ratio 3.31
Current ratio from 1.42 to 3.31; short-term debt falls from €127k to €64k.
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
10-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
31-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lochristi · 1 establishment unit since 1996
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.
Bedrijvenlaan 189080 LochristiGround area
2,989 m²
Building footprint
507 m²
Volume, LiDAR
3,232 m³
Parcel 44077B0008/00A000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOTRACO
since 19962.078.531.044
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44077B0008/00A000 | Flanders | 2,989 m² | 1 · 507 m² | 7.2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 459 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 459 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Staden · Eq €2.06M
Of 12,606 companies in sector 49410 we hold annual accounts for 8,195. 2,958 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-08-1996
Fiscal year end30-06
Activities, NACEBEL
49410Freight transport by road
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
71100
77110Renting and leasing of cars and light motor vehicles
77120Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress 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.