Louarte 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 €257k and a net result of €100k. Its solvency ranks better than 21% of 6156 sector peers (fiscal year 2024). The company has been active since 2022 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
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 19-06-2025, 42 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
23 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€257k▲ 63.6%
2023 · €157k
2023: €157k
2023 → 2024
Net result
€100k▼ 6.7%
2023 · €107k
2023: €107k
2023 → 2024
Total assets
€1.27M▼ 0.6%
2023 · €1.28M
2023: €1.28M
2023 → 2024
Solvency
20.2%▲ 7.9pp
2023 · 12.3%
2023: 12.3%
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€157k-€257k▲ 63.6%
Operating result€77k-€9k▼ 87.7%
Net result€107k-€100k▼ 6.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 88% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.27M
Fixed assets
€1.25M=
Current assets
€20k▼ 27.0%
Equity and liabilities €1.27M
Equity
€257k▲ 63.6%
Debt
€1.01M▼ 9.6%
The debt ratio falls from 87.7% to 79.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
20.2%▲
2023 · 12.3%
ROE
38.9%▼
2023 · 68.2%
ROA
7.9%▼
2023 · 8.4%
Debt
€1.01M▼
2023 · €1.12M
Debt ≤ 1 year
€150k▲
2023 · €141k
Debt > 1 year
€857k▼
2023 · €969k
Income taxes
€148▼
2023 · €16k
Staff costs
€51k▲
2023 · €33k
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€1.28M€1.27M▼
Fixed assets21/28€1.25M€1.25M=
Financial fixed assets28€1.25M€1.25M=
Current assets29/58€28k€20k▼
Amounts receivable within one year40/41€1k€7k▲
Trade receivables40€1k€1▼
Other amounts receivable41-€7k
Cash at bank and in hand54/58€25k€10k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.28M€1.27M▼
Equity10/15€157k€257k▲
Contributions10/11€50k€50k=
Reserves13€107k€207k▲
Distributable reserves133€107k€207k▲
Amounts payable17/49€1.12M€1.01M▼
Amounts payable after more than one year17€969k€857k▼
Financial debts170/4€969k€857k▼
Amounts payable within one year42/48€141k€150k▲
Current portion of amounts payable after more than one year42€110k€112k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€22k€15k▼
Taxes450/3€15k€8k▼
Remuneration and social security454/9€8k€7k▼
Other amounts payable47/48€6k€21k▲
Accrued charges and deferred income492/3€10k€6k▼
Income statement
Code20232024
Remuneration, social security and pensions62€33k€51k▲
Other operating charges640/8€383€531▲
Gross operating margin9900€111k€61k▼
Operating profit (loss)9901€77k€9k▼
Financial income75/76B€101k€125k▲
Recurring financial income75€101k€125k▲
Financial charges65/66B€55k€34k▼
Recurring financial charges65€55k€34k▼
Profit (loss) for the period before taxes9903€123k€100k▼
Income taxes67/77€16k€148▼
Profit (loss) for the period9904€107k€100k▼
Profit (loss) for the period to be appropriated9905€107k€100k▼
Appropriation of the result
Profit (loss) to be appropriated9906€107k€100k▼
Transfer to equity691/2€107k€100k▼
To other reserves6921€107k€100k▼
Social balance
Average headcount (FTE)90870.70.8▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €257k ▲63.6%
2 profitable years in a row build equity to €257k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 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, Wemmel · 1 establishment unit since 2022
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.
M. Roelantslaan 181780 WemmelGround area
2,552 m²
Building footprint
279 m²
Volume, LiDAR
1,433 m³
Parcel 22005A0810/00A000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Louarte
since 20222.332.237.118
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0810/00A000 | Flanders | 2,552 m² | 1 · 279 m² | 10.4 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,679 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.