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Lou

Active
Private limited companyfounded 2023active for 3 yearsHeidedreef 28, 2243 Zandhoven, BelgiumKBO/BCE: BE 0804.647.860

Financials · financial year 2025, micro format

2025 annual accounts filed 56 days after the deadline Filed on 25 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00529838.

Annual accounts 2025 filed on 25-09-2026 at the NBB all 2 filings

Equity
€329▼ 83.4%
2023 · €1,985
Total assets
€35,834▲ 18×
2023 · €1,985
Net result
-€1,656▼ 10,581%
2023 · -€16
Working capital
€329
Multi-year overview
2023 to 2025, 2 financial years
Operating result
-€1,611
2025
20232025
Net result
-€1,656
2025
lowest quarter of the sector
20232025
Equity
€329
2025
lowest quarter of the sector
20232025
Total assets
€35,834
2025
lowest quarter of the sector
20232025
Debt
€35,505
2025
20232025
Working capital
€329
2025
lowest quarter of the sector
20232025
Solvency
0.9%
2025
lowest quarter of the sector
20232025
Current ratio
1.01
2025
lowest quarter of the sector
20232025
Return on assets (ROA)
-4.6%
2025
lowest quarter of the sector
20232025
Every figure per financial year
Available amounts per financial year
Line20232025
Operating result-€1,611-
Net result-€16below the sector's middle half--€1,656below the sector's middle half-
Equity€1,985below the sector's middle half-€329below the sector's middle half-
Total assets€1,985below the sector's middle half-€35,834below the sector's middle half-
Debt€35,505-
Working capital€329below the sector's middle half-
Solvency0.9%below the sector's middle half-
Current ratio1.01below the sector's middle half-
Return on assets (ROA)-4.6%below the sector's middle half-
above within below The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.

The operating result for 2025 is a loss of €1,611. 2025 is the only financial year with this figure.

Turnover and EBIT margin are not published. The micro format does not require them.

Balance-sheet composition
Equity and liabilities €35,834
Equity €329
Debt €35,505
Debt's share of the balance-sheet total is 99.1%.
Key figures and ratios
2025 value · change against 2023
Debt ≤ 1 year
€35,505
The equity ratios are withheld because equity of €329 is too small for a meaningful ratio.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2023 · 22 lines
Balance sheet Code20232025
Assets
Total assets20/58€1,985€35,834▲
Current assets29/58€1,985€35,834▲
Amounts receivable within one year40/41-€34,110
Trade receivables40-€34,110
Cash at bank and in hand54/58€1,985€1,724▼
Equity and liabilities
Total equity and liabilities10/49€1,985€35,834▲
Equity10/15€1,985€329▼
Contributions10/11€2,000€2,000=
Profit (loss) carried forward14-€16-€1,671▼
Amounts payable17/49-€35,505
Amounts payable within one year42/48-€35,505
Other amounts payable47/48-€35,505
Income statement Code20232025
Other operating charges640/8-€120
Gross operating margin9900--€1,491
Operating profit (loss)9901--€1,611
Financial charges65/66B€16€45▲
Recurring financial charges65€16€45▲
Profit (loss) for the period before taxes9903-€16-€1,656▼
Profit (loss) for the period9904-€16-€1,656▼
Profit (loss) for the period to be appropriated9905-€16-€1,656▼
Appropriation of the result
Profit (loss) to be appropriated9906-€16-€1,671▼
Profit (loss) brought forward from the previous period14P--€16

The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 25-09-2026.

Line20232025Change
Other operating charges640/8-€120-
Gross operating margin9900--€1,491-
Operating profit (loss)9901--€1,611-
Financial charges65/66B€16€45-
Recurring financial charges65€16€45-
Profit (loss) for the period before taxes9903-€16-€1,656-
Profit (loss) for the period9904-€16-€1,656-
Profit (loss) for the period to be appropriated9905-€16-€1,656-
Line20232025Change
Assets
Total assets20/58€1,985€35,834-
Current assets29/58€1,985€35,834-
Amounts receivable within one year40/41-€34,110-
Trade receivables40-€34,110-
Cash at bank and in hand54/58€1,985€1,724-
Equity and liabilities
Total equity and liabilities10/49€1,985€35,834-
Equity10/15€1,985€329-
Contributions10/11€2,000€2,000-
Profit (loss) carried forward14-€16-€1,671-
Amounts payable17/49-€35,505-
Amounts payable within one year42/48-€35,505-
Other amounts payable47/48-€35,505-
Line20232025Change
Profit (loss) for the period9904-€16-€1,656-
Operating cash flow (approximation)-€16-€1,656-

A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.

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Historical observation

In July 2024, 1,301 companies had the same profile as Lou has now. Two years later, 92.6% were still going and 5.5% had gone bankrupt.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a small loss
92.6% was still going
1.6% stopped otherwise
5.5% went bankrupt

Another 0.2% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of Lou itself is lower: 0.9% within 12 months. It rests on far more data about Lou than the profile alone.

Test of the method

The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 1,301 companies, not a prediction for Lou. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Filings with the National Bank (2)
Financial year Type Filed Reference Document
31-12-2025 micro format 25-09-2026 2026-00529838 PDF
31-12-2023 micro format 16-09-2024 2024-00463290 PDF

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