LOTSEM
ActiveLOTSEM has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €361k and a net result of €11k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 90% of 2267 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy▼ -18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-14
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.62 against 17.71 in 2024), and 17.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← 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
82.8%
Return on assets
2.4%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
32 d late
2023
21 d early
2022
70 d late
2021
64 d late
2020
123 d late
2019
108 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€361k▲ 2.8%
2024 · €351k
2018: €176k
2019: €186k
2020: €222k
2021: €255k
2022: €324k
2023: €332k
2024: €351k
2018 → 2025
Total assets
€436k▲ 17.9%
2024 · €370k
2018: €460k
2019: €419k
2020: €454k
2021: €406k
2022: €548k
2023: €374k
2024: €370k
2018 → 2025
Net result
€11k▼ 47.6%
2024 · €20k
2018: €38k
2019: €10k
2020: €38k
2021: €35k
2022: €69k
2023: €38k
2024: €20k
2018 → 2025
Working capital
€332k▲ 5.3%
2024 · €315k
2018: €134k
2019: €143k
2020: €176k
2021: €156k
2022: €285k
2023: €286k
2024: €315k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€255k-€324k▲ 27.3%€332k▲ 2.3%€351k▲ 5.9%€361k▲ 2.8%
Operating result€53k-€105k▲ 98.4%€54k▼ 48.2%€30k▼ 44.9%€-75k
Net result€35k-€69k▲ 100%€38k▼ 45.9%€20k▼ 46.1%€11k▼ 47.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €75k after €30k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €436k
Fixed assets
€32k▼ 10.1%
Current assets
€404k▲ 20.8%
Equity and liabilities €436k
Equity
€361k▲ 2.8%
Debt
€75k▲ 298%
The debt ratio rises from 5.1% to 17.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€-55k▼
2024 · €48k
Cash flow
€30k▼
2024 · €39k
Solvency
82.8%▼
2024 · 94.9%
Current ratio
5.62▼
2024 · 17.71
Quick ratio
5.62▼
2024 · 17.71
Debt / equity
0.21▲
2024 · 0.05
ROE
2.9%▼
2024 · 5.8%
ROA
2.4%▼
2024 · 5.5%
Interest coverage
-6.81▼
2024 · 66.40
Debt
€75k▲
2024 · €19k
Debt ≤ 1 year
€72k▲
2024 · €19k
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€370k€436k▲
Fixed assets21/28€36k€32k▼
Intangible fixed assets21€889€401▼
Tangible fixed assets22/27€35k€32k▼
Plant, machinery and equipment23€18k€20k▲
Furniture and vehicles24€17k€7k▼
Other tangible fixed assets26-€5k
Current assets29/58€334k€404k▲
Amounts receivable within one year40/41€40k€13k▼
Trade receivables40€31k€3k▼
Other amounts receivable41€9k€10k▲
Current investments50/53€43k€0▼
Cash at bank and in hand54/58€247k€377k▲
Deferred charges and accrued income490/1€5k€14k▲
Equity and liabilities
Total equity and liabilities10/49€370k€436k▲
Equity10/15€351k€361k▲
Contributions10/11€19k€19k=
Reserves13€332k€342k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€331k€340k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€19k€75k▲
Amounts payable within one year42/48€19k€72k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Advances received on contracts in progress46€199€0▼
Taxes, remuneration and social security45€10k€4k▼
Taxes450/3€10k€4k▼
Other amounts payable47/48€4k€63k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Non-recurring operating income76A-€202
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€8k€10k▲
Gross operating margin9900€57k€-46k▼
Operating profit (loss)9901€30k€-75k▼
Financial income75/76B€719€100k▲
Recurring financial income75€719€100k▲
Financial charges65/66B€727€8k▲
Recurring financial charges65€727€8k▲
Profit (loss) for the period before taxes9903€30k€18k▼
Income taxes67/77€10k€7k▼
Profit (loss) for the period9904€20k€11k▼
Profit (loss) for the period to be appropriated9905€20k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€11k▼
Transfer from equity791/2€0-
Transfer to equity691/2€19k€10k▼
To other reserves6921€19k€10k▼
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (11 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
01-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 32 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 17.71
Current ratio from 7.78 to 17.71; short-term debt falls from €42k to €19k.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 7.78
Current ratio from 2.35 to 7.78; short-term debt falls from €212k to €42k.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Highest result since 2018net €69k ▲100%
Operating result €105k, net result €69k, both a record.
03-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 64 days late
2021
01-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 123 days late
2020
31-12
Financial
Equity above €200kEq €222k ▲19.5%
3 profitable years in a row build equity to €222k.
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
27-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 454 days late
2019
31-12
Financial
Weakest financial yearnet €10k ▼74%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
02-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 63 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Leuven · 1 establishment unit since 2010
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.
Janseniusstraat 563000 LeuvenGround area
3,029 m²
Building footprint
1,234 m²
Volume, LiDAR
21,250 m³
2 parcels, Flanders · tallest building 20.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Schipvaartstraat 24, 3000 Leuven
since 20102.190.526.452
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062A0146/00P002 | Flanders | 2,797 m² | 1 · 1,148 m² | 20.1 m · 6 fl. |
| 24504D0794/00D000 | Flanders | 232 m² | 1 · 86 m² | 10.4 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900QY6M5C17NX2U57
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Of 3,283 companies in sector 93110 we hold annual accounts for 1,488. 1,067 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-07-2010
Fiscal year end31-12
Activities, NACEBEL
93110Operation of sports facilities
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.