LOUAMA
ActiveThe computed 12-month bankruptcy probability of LOUAMA is 2.1% (moderate). The 2025 annual accounts show equity of €48k and a net result of €21k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 810 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+21
Solvency86▲+3
Growth84=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.65 in 2024; short-term debt: 38.6% and cash: 54.1% of total assets), and 38.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
61.4%
Return on assets
26.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-08-2026, 2 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
2 d late
2024
30 d late
2023
15 d late
2022
46 d early
2021
92 d early
2020
45 d late
2019
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€309k▲ 18.9%
2024 · €260k
2018: €90k
2020: €146k
2021: €183k
2022: €212k
2023: €223k
2024: €260k
2018 → 2025
EBIT margin
7.4%▲ 5.2pp
2024 · 2.2%
2018: -1.1%
2020: 7.1%
2021: 5.3%
2022: 1.0%
2023: 0.6%
2024: 2.2%
2018 → 2025
Net result
€21k▲ 468%
2024 · €4k
2018: €-1k
2019: €-3k
2020: €10k
2021: €11k
2022: €734
2023: €250
2024: €4k
2018 → 2025
Working capital
€30k▲ 102%
2024 · €15k
2018: €638
2019: €-3k
2020: €9k
2021: €28k
2022: €14k
2023: €7k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€183k-€212k▲ 16.3%€223k▲ 4.9%€260k▲ 16.6%€309k▲ 18.9%
Equity€29k-€28k▼ 3.8%€28k▲ 0.9%€31k▲ 13.3%€48k▲ 53.8%
Operating result€10k-€2k▼ 78.9%€1k▼ 31.8%€6k▲ 313%€23k▲ 297%
Net result€11k-€734▼ 93.4%€250▼ 65.9%€4k▲ 1,374%€21k▲ 468%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 297% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€18k▲ 10.0%
Current assets
€61k▲ 59.4%
Equity and liabilities €79k
Equity
€48k▲ 53.8%
Debt
€30k▲ 31.8%
The debt ratio falls from 42.3% to 38.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€28k▲
2024 · €11k
Cash flow
€26k▲
2024 · €9k
Solvency
61.4%▲
2024 · 57.7%
Current ratio
2.00▲
2024 · 1.65
Quick ratio
1.96▲
2024 · 1.57
Debt / equity
0.63▼
2024 · 0.73
ROE
43.2%▲
2024 · 11.7%
ROA
26.6%▲
2024 · 6.8%
Interest coverage
197.21▲
2024 · 46.17
Debt
€30k▲
2024 · €23k
Debt ≤ 1 year
€30k▲
2024 · €23k
Income taxes
€2k▼
2024 · €2k
Staff costs
€74k▲
2024 · €54k
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€54k€79k▲
Fixed assets21/28€16k€18k▲
Tangible fixed assets22/27€12k€14k▲
Land and buildings22€9k€8k▼
Plant, machinery and equipment23€2k€5k▲
Furniture and vehicles24€1k€1k▲
Financial fixed assets28€4k€4k=
Current assets29/58€38k€61k▲
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€14k€13k▼
Trade receivables40€10k€10k=
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€18k€43k▲
Deferred charges and accrued income490/1€4k€4k=
Equity and liabilities
Total equity and liabilities10/49€54k€79k▲
Equity10/15€31k€48k▲
Contributions10/11€9k€9k=
Capital10€9k€9k=
Issued capital100€19k€19k=
Uncalled capital101€9k€9k=
Reserves13€599€1k▲
Non-distributable reserves130/1€599€1k▲
Legal reserve130€599€1k▲
Profit (loss) carried forward14€22k€38k▲
Amounts payable17/49€23k€30k▲
Amounts payable within one year42/48€23k€30k▲
Financial debts43€105€105=
Credit institutions430/8€105€105=
Trade debts44€9k€21k▲
Suppliers440/4€9k€21k▲
Taxes, remuneration and social security45€14k€6k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€11k€4k▼
Other amounts payable47/48-€4k
Income statement
Code20242025
Turnover70€260k€309k▲
Goods, raw materials, services and sundry goods60/61€194k€205k▲
Remuneration, social security and pensions62€54k€74k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€66k€104k▲
Operating profit (loss)9901€6k€23k▲
Financial charges65/66B€230€141▼
Recurring financial charges65€230€141▼
Profit (loss) for the period before taxes9903€6k€23k▲
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€4k€21k▲
Profit (loss) for the period to be appropriated9905€4k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€42k▲
Profit (loss) brought forward from the previous period14P€18k€22k▲
Transfer to equity691/2-€846
To other reserves6921-€846
Profit to be distributed694/7-€4k
Directors or managers695-€4k
Social balance
Average headcount (FTE)90871.52.1▲
The notes to these accounts (7 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
02-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 2 days late
2025
31-12
Financial
Highest result since 2018net €21k ▲468%
Operating result €23k, net result €21k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
15-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 15 days late
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity doublescurrent ratio 2.77
Current ratio from 1.18 to 2.77; short-term debt falls from €50k to €16k.
14-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 45 days late
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Brussel · 1 establishment unit since 2005
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.
Emile Bockstaellaan 2411020 BrusselGround area
99 m²
Building footprint
99 m²
Volume, LiDAR
1,543 m³
Parcel 21816C0142/00D007, Brussels · tallest building 21.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
PICOLINA
since 20052.147.328.491
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816C0142/00D007 | Brussels | 99 m² | 1 · 99 m² | 21.5 m · 6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.147.328.491
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,415 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-2005
Fiscal year end31-12
Activities, NACEBEL
55301
55302
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.