Lotte Bonte is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €107k and a net result of €36k. Its solvency ranks better than 95% of 8024 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years, statistically higher risk.
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 27-08-2026, 27 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 · 2 filingsDeviation from the deadline
2025
27 d late
2024
8 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 50.4%
2024 · €71k
2024: €71k
2024 → 2025
Net result
€36k▼ 45.7%
2024 · €66k
2024: €66k
2024 → 2025
Total assets
€108k▲ 50.2%
2024 · €72k
2024: €72k
2024 → 2025
Solvency
99.5%▲ 0.1pp
2024 · 99.4%
2024: 99.4%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€71k-€107k▲ 50.4%
Operating result€84k-€47k▼ 44.8%
Net result€66k-€36k▼ 45.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €108k
Fixed assets
€710▼ 25.9%
Current assets
€107k▲ 51.3%
Equity and liabilities €108k
Equity
€107k▲ 50.4%
Debt
€509▲ 16.1%
The debt ratio falls from 0.6% to 0.5%. Equity and debt are higher.
Key figures and ratios
Solvency
99.5%▲
2024 · 99.4%
ROE
33.6%▼
2024 · 93.0%
ROA
33.4%▼
2024 · 92.4%
Debt
€509▲
2024 · €438
Debt ≤ 1 year
€509▲
2024 · €438
Income taxes
€10k▼
2024 · €18k
A ratio outside any meaningful range has been withheld (balance sheet total €108k, equity €107k).
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€72k€108k▲
Fixed assets21/28€958€710▼
Tangible fixed assets22/27€958€710▼
Furniture and vehicles24€958€710▼
Current assets29/58€71k€107k▲
Amounts receivable after more than one year29-€35k
Other amounts receivable291-€35k
Amounts receivable within one year40/41€28k€34k▲
Trade receivables40-€439
Other amounts receivable41€28k€33k▲
Cash at bank and in hand54/58€24k€38k▲
Deferred charges and accrued income490/1€19k€0▼
Equity and liabilities
Total equity and liabilities10/49€72k€108k▲
Equity10/15€71k€107k▲
Contributions10/11€5k€5k=
Reserves13-€36k
Distributable reserves133-€36k
Profit (loss) carried forward14€66k€66k▼
Amounts payable17/49€438€509▲
Amounts payable within one year42/48€438€509▲
Trade debts44€438€35▼
Suppliers440/4€438€35▼
Taxes, remuneration and social security45-€4
Remuneration and social security454/9-€4
Other amounts payable47/48-€471
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€248▼
Other operating charges640/8€805€442▼
Gross operating margin9900€88k€47k▼
Operating profit (loss)9901€84k€47k▼
Financial charges65/66B€10€108▲
Recurring financial charges65€10€108▲
Profit (loss) for the period before taxes9903€84k€46k▼
Income taxes67/77€18k€10k▼
Profit (loss) for the period9904€66k€36k▼
Profit (loss) for the period to be appropriated9905€66k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€102k▲
Profit (loss) brought forward from the previous period14P-€66k
Transfer to equity691/2-€36k
To other reserves6921-€36k
The notes to these accounts (8 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Equity above €100kEq €107k ▲50.4%
2 profitable years in a row build equity to €107k.
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 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, Maldegem · 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.
Moerhuizestraat 669990 MaldegemGround area
1,058 m²
Building footprint
110 m²
Volume, LiDAR
600 m³
Parcel 43010A0531/00H000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lotte Bonte
since 20232.351.378.087
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43010A0531/00H000 | Flanders | 1,058 m² | 1 · 110 m² | 7.5 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
2024 to 2025 · 2 entries · 860 EUR awarded · 860 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 105 EUR | 105 EUR |
| 2024 | 1 | 755 EUR | 755 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 12,486 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2023
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.