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LOTUS

Active
Public limited companyfounded 199827 yrs activeRue de la Papeterie 33, 1490 Court-Saint-Etienne, BelgiumKBO/BCE: BE 0464.727.493
Summary

LOTUS has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.1m and a net result of -€22,375. Equity is growing by ~27.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 10466 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
LOTUSActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201NACE 74851
#3 company by total assets in Court-Saint-Etienne, Real estate sector1 site
Size
€6.8mtotal assets 2025
Equity
€6.1m
Loss
-€22,375
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts 7 d early0 of 10 deeds read
Why 94- Liquidity: current ratio 18.19, cash €150,804- 1 of the last 3 late+ Size: total assets €6.8m+ Legal form Public limited companyShow the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 54% of its sector peers (NACE 68, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 100=
equity 89.8% of total assets
Liquidity 53=
short-term debt 3.6% · cash 2.2%
Profitability 18=
return on assets -0.3%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,938 companies)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● 0.0% vs 11-2024lowest value 01-2025: < 0.1%● 0.0% vs 12-2024lowest value 02-2025: < 0.1%● 0.0% vs 01-2025lowest value 03-2025: < 0.1%▲ +2.5% vs 02-2025 04-2025: < 0.1%▲ +4.9% vs 03-2025 05-2025: < 0.1%▲ +2.3% vs 04-2025 06-2025: < 0.1%▲ +4.5% vs 05-2025 07-2025: 0.1%▲ +43.5% vs 06-2025 08-2025: 0.1%▲ +78.8% vs 07-2025 09-2025: 0.2%▲ +32.2% vs 08-2025highest value 10-2025: 0.1%▼ -48.7% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -3.8% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%▲ +6.5% vs 02-2026 04-2026: 0.1%▲ +2.4% vs 03-2026 05-2026: 0.1%▲ +3.6% vs 04-2026 06-2026: 0.1%▲ +1.1% vs 05-2026 07-2026: 0.1%▲ +8.0% vs 06-2026 08-2026: 0.1%▼ -20.0% vs 07-2026 09-2026: 0.1%● 0.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • Liquidity: current ratio 18.19, cash €150,804 raises the probability
  • Size: total assets €6.8m lowers the probability for this profile
  • 1 of the last 3 late raises the probability
  • Legal form Public limited company lowers the probability
Credit up to €550,000 at 30 days acceptable
Liquidity ample (current ratio 18.19 against 12.97 in 2024; short-term debt: 3.6% and cash: 2.2% of total assets), and 10.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, small). Better than this share of them on solvency 92%, liquidity 73%, profitability 12%, growth against the median 41%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 18.19, cash €150,804
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €6.8m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Legal form Public limited company
In the bankruptcy model this factor lowers the probability.
KBO
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
7 d early
2024
31 d late
2023
23 d late
2022
9 d late
2021
11 d early
2020
1 d early
2019
26 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 9 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Liquidity doublescurrent ratio 12.97

Key points

  • Positive: Among the best 6% on equitysector median €309,846 · 10,470 companies €6.1m View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€22,375 View
  • Active since 1998founded 03-12-1998 27 years View

By topic

Financials

Fiscal year
2025
Total assets
€6.8m
Loss
-€22,375
Solvency
89.8%
Total assets▲ 1.3%
Net result
20182025
Go to Financials

Timeline

Events
17
Since
2017
Next accounts
by 31-07-2027
  1. 24-07-2026Annual accounts filed
  2. 31-08-2025Annual accounts filed
  3. 31-12-2024Liquidity doubles
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Renting and operating of own or leased residential…NACE 68201
Founded
03-12-1998
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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