Loumie
ActiveLoumie has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €-2k. Equity is shrinking by ~31.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 35% of 2259 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency16▲+3
Growth32=
Stability94
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.91 against 0.75 in 2024), and 89.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
10.1%
Return on assets
-1.7%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year -€2k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
2 d early
2023
26 d early
← 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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▼ 14.3%
2024 · €15k
2023: €22k
2024: €15k
2023 → 2025
Total assets
€124k▼ 2.4%
2024 · €127k
2023: €120k
2024: €127k
2023 → 2025
Net result
€-2k▲ 70.7%
2024 · €-7k
2023: €19k
2024: €-7k
2023 → 2025
Working capital
€-7k▲ 66.7%
2024 · €-21k
2023: €-60k
2024: €-21k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€22k-€15k▼ 32.7%€13k▼ 14.3%
Operating result€25k-€394▼ 98.4%€8k▲ 1,804%
Net result€19k-€-7k€-2k▲ 70.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,804% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €124k
Fixed assets
€53k▼ 17.5%
Current assets
€71k▲ 13.1%
Equity and liabilities €124k
Equity
€13k▼ 14.3%
Debt
€112k▼ 0.9%
The debt ratio rises from 88.5% to 89.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€30k▲
2024 · €20k
Cash flow
€21k▲
2024 · €12k
Solvency
10.1%▼
2024 · 11.5%
Current ratio
0.91▲
2024 · 0.75
Quick ratio
0.86▲
2024 · 0.75
Debt / equity
8.91▲
2024 · 7.70
ROE
-16.6%▲
2024 · -48.7%
ROA
-1.7%▲
2024 · -5.6%
Interest coverage
4.11▲
2024 · 2.69
Debt
€112k▼
2024 · €113k
Debt ≤ 1 year
€78k▼
2024 · €83k
Debt > 1 year
€34k▲
2024 · €29k
Income taxes
€2k▲
2024 · €128
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€127k€124k▼
Fixed assets21/28€65k€53k▼
Intangible fixed assets21€63k€44k▼
Tangible fixed assets22/27€1k€9k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€1k€6k▲
Current assets29/58€63k€71k▲
Stocks and contracts in progress3-€4k
Stocks30/36-€4k
Amounts receivable within one year40/41€43k€25k▼
Trade receivables40€43k€25k▼
Cash at bank and in hand54/58€20k€41k▲
Deferred charges and accrued income490/1-€725
Equity and liabilities
Total equity and liabilities10/49€127k€124k▼
Equity10/15€15k€13k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€12k€10k▼
Amounts payable17/49€113k€112k▼
Amounts payable after more than one year17€29k€34k▲
Financial debts170/4€29k€34k▲
Amounts payable within one year42/48€83k€78k▼
Current portion of amounts payable after more than one year42€21k€13k▼
Trade debts44€12k€43k▲
Suppliers440/4€12k€43k▲
Advances received on contracts in progress46-€10k
Taxes, remuneration and social security45€12k€6k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€38k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€23k▲
Other operating charges640/8€281€109▼
Gross operating margin9900€20k€30k▲
Operating profit (loss)9901€394€8k▲
Financial income75/76B€4€8▲
Recurring financial income75€4€8▲
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€-7k€196▲
Income taxes67/77€128€2k▲
Profit (loss) for the period9904€-7k€-2k▲
Profit (loss) for the period to be appropriated9905€-7k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€10k▼
Profit (loss) brought forward from the previous period14P€19k€12k▼
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-7k ▼138%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2025
Marjolein Deman
CurrentDirector · since 01-07-2025
01-07-2025
Appointed as Director
Not every act has been read: a resignation may be missing here
2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Brugge · 2 establishment units since 2023
Ground area
1,897 m²
Building footprint
1,150 m²
Volume, LiDAR
6,420 m³
2 parcels, Flanders · tallest building 18.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Loumie
since 20232.345.639.647
Waggelwater 4, 8200 Brugge
since 20252.374.884.850
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31424B0566/00D002 | Flanders | 1,763 m² | 1 · 1,074 m² | 18.2 m · 1 fl. |
| 31803C0441/00N000 | Flanders | 135 m² | 1 · 76 m² | 11.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 6,708 companies in sector 93299 we hold annual accounts for 1,160. 713 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2023
Fiscal year end31-12
Activities, NACEBEL
93299Other amusement and recreation activities
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.