LOUA
ActiveLOUA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €207k and a net result of €47k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 54% of 3325 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
32 d late
2022
65 d late
2021
66 d late
2020
68 d late
2019
4 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€207k▲ 11.6%
2023 · €186k
2018: €97k
2019: €108k
2020: €134k
2021: €209k
2022: €196k
2023: €186k
2018 → 2024
Net result
€47k▲ 400%
2023 · €9k
2018: €33k
2019: €26k
2020: €46k
2021: €76k
2022: €7k
2023: €9k
2018 → 2024
Total assets
€381k▲ 6.1%
2023 · €359k
2018: €193k
2019: €229k
2020: €295k
2021: €421k
2022: €407k
2023: €359k
2018 → 2024
Solvency
54.4%▲ 2.7pp
2023 · 51.7%
2018: 50.1%
2019: 47.2%
2020: 45.3%
2021: 49.7%
2022: 48.2%
2023: 51.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€134k-€209k▲ 56.5%€196k▼ 6.3%€186k▼ 5.4%€207k▲ 11.6%
Operating result€60k-€111k▲ 83.5%€15k▼ 86.3%€19k▲ 24.3%€71k▲ 278%
Net result€46k-€76k▲ 64.7%€7k▼ 91.0%€9k▲ 38.9%€47k▲ 400%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 278% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €381k
Fixed assets
€339k▲ 3.0%
Current assets
€42k▲ 39.2%
Equity and liabilities €381k
Equity
€207k▲ 11.6%
Debt
€174k▲ 0.2%
The debt ratio falls from 48.3% to 45.6%: equity grows faster than debt.
Key figures and ratios
Solvency
54.4%▲
2023 · 51.7%
ROE
22.7%▲
2023 · 5.1%
ROA
12.4%▲
2023 · 2.6%
Debt
€174k▲
2023 · €173k
Debt ≤ 1 year
€91k▲
2023 · €75k
Debt > 1 year
€83k▼
2023 · €99k
Income taxes
€22k▲
2023 · €7k
Staff costs
€82k▼
2023 · €93k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€359k€381k▲
Fixed assets21/28€329k€339k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€329k€339k▲
Land and buildings22€227k€222k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€26k€53k▲
Other tangible fixed assets26€71k€61k▼
Current assets29/58€30k€42k▲
Amounts receivable within one year40/41€23k€41k▲
Trade receivables40€21k€26k▲
Other amounts receivable41€2k€15k▲
Cash at bank and in hand54/58€4k€43▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€359k€381k▲
Equity10/15€186k€207k▲
Contributions10/11€19k€19k=
Reserves13€167k€188k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€975€975=
Distributable reserves133€164k€186k▲
Profit (loss) carried forward14€70€141▲
Amounts payable17/49€173k€174k▲
Amounts payable after more than one year17€99k€83k▼
Financial debts170/4€99k€83k▼
Amounts payable within one year42/48€75k€91k▲
Current portion of amounts payable after more than one year42€16k€16k▼
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€30k€42k▲
Taxes450/3€17k€27k▲
Remuneration and social security454/9€13k€16k▲
Other amounts payable47/48€20k€26k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Remuneration, social security and pensions62€93k€82k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€29k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€152k€186k▲
Operating profit (loss)9901€19k€71k▲
Financial income75/76B€19€26▲
Recurring financial income75€19€26▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€16k€69k▲
Income taxes67/77€7k€22k▲
Profit (loss) for the period9904€9k€47k▲
Profit (loss) for the period to be appropriated9905€9k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€47k▲
Profit (loss) brought forward from the previous period14P€63€70▲
Transfer from equity791/2€20k€26k▲
Transfer to equity691/2€9k€47k▲
To other reserves6921€9k€47k▲
Profit to be distributed694/7€20k€26k▲
Return on contributions (dividend)694€20k€26k▲
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
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €207k ▲11.6%
7 profitable years in a row build equity to €207k.
01-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 32 days late
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
31-12
Financial
Weakest financial yearnet €7k ▼91%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 66 days late
2021
31-12
Financial
Highest result since 2018net €76k ▲64.7%
Operating result €111k, net result €76k, both a record.
31-12
Financial
Equity above €200kEq €209k ▲56.5%
4 profitable years in a row build equity to €209k.
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 68 days late
2020
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
31-12
Financial
Equity above €100kEq €108k ▲11.3%
2 profitable years in a row build equity to €108k.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 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, Middelkerke · 1 establishment unit since 2013
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.
Leopoldlaan 228430 MiddelkerkeGround area
321 m²
Building footprint
321 m²
Volume, LiDAR
3,436 m³
Parcel 35011B0180/00S092, Flanders · tallest building 16.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Leopoldlaan 22, 8430 Middelkerke
since 20132.216.749.512
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35011B0180/00S092 | Flanders | 321 m² | 1 · 321 m² | 16.9 m · 5 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.
Similar companies · same sector, comparable size
FLOWUP
BE 0749.607.090
Fosses-la-Ville · Eq €207k
ZAKENKANTOOR BUYLE - PYL
BE 0442.826.675
Sint-Niklaas · Eq €207k
ES DUPONT
BE 0883.962.087
Remicourt · Eq €207k
PAJO FINANCE
BE 0634.933.987
Etterbeek · Eq €207k
COPPER FINANCE
BE 0451.847.972
Grimbergen · Eq €208k
Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 1,103 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2012
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.