Loutor
ActiveSummary
Loutor has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €766k and a net result of €138k. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 63% of 2284 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
80
/ 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
Profitability82=
Solvency82▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 1.35 in 2024; short-term debt: 10.8% and cash: 4.9% of total assets), and 43.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
56.9%
Return on assets
10.2%
Age of the figures
9 mo
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
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
7 d early
2022
12 d early
2021
27 d early
2020
43 d early
2020
53 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€766k▲ 21.9%
2024 · €628k
2019: €224k
2020: €312k
2020: €384k
2021: €448k
2022: €552k
2023: €606k
2024: €628k
2019 → 2025
Total assets
€1.35M▲ 1.2%
2024 · €1.33M
2019: €355k
2020: €405k
2020: €462k
2021: €541k
2022: €937k
2023: €1.26M
2024: €1.33M
2019 → 2025
Net result
€138k▲ 0.6%
2024 · €137k
2019: €59k
2020: €88k
2020: €72k
2021: €99k
2022: €104k
2023: €78k
2024: €137k
2019 → 2025
Working capital
€165k▲ 112%
2024 · €78k
2019: €-25k
2020: €47k
2020: €108k
2021: €141k
2022: €121k
2023: €78k
2024: €78k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€448k-€552k▲ 23.2%€606k▲ 9.8%€628k▲ 3.7%€766k▲ 21.9%
Operating result€140k-€155k▲ 10.6%€120k▼ 23.0%€212k▲ 77.2%€211k▼ 0.5%
Net result€99k-€104k▲ 5.0%€78k▼ 25.3%€137k▲ 75.8%€138k▲ 0.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.35M
Fixed assets
€1.03M ▲ 0.4%
Current assets
€310k ▲ 3.8%
Equity and liabilities €1.35M
Equity
€766k ▲ 21.9%
Debt
€579k ▼ 17.4%
Debt's share of the balance-sheet total falls from 52.7% to 43.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€254k▲
2024 · €248k
Cash flow
€181k▲
2024 · €173k
Current ratio
2.13▲
2024 · 1.35
Debt to equity
0.76▼
2024 · 1.12
ROE
18.0%▼
2024 · 21.8%
ROA
10.2%▼
2024 · 10.3%
Interest coverage
15.87▲
2024 · 13.59
Debt ≤ 1 year
€146k▼
2024 · €221k
Debt > 1 year
€434k▼
2024 · €479k
Income taxes
€58k▼
2024 · €58k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.33M€1.35M▲
Fixed assets21/28€1.03M€1.03M▲
Tangible fixed assets22/27€1.01M€1.02M▲
Land and buildings22€998k€996k▼
Plant, machinery and equipment23€8k€8k▼
Furniture and vehicles24€7k€13k▲
Financial fixed assets28€18k€18k=
Current assets29/58€299k€310k▲
Amounts receivable within one year40/41€118k€114k▼
Trade receivables40€506€3k▲
Other amounts receivable41€117k€111k▼
Current investments50/53€74k€131k▲
Cash at bank and in hand54/58€106k€66k▼
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€1.33M€1.35M▲
Equity10/15€628k€766k▲
Contributions10/11€20k€20k=
Revaluation surpluses12€27k€27k=
Reserves13€581k€719k▲
Distributable reserves133€581k€719k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€701k€579k▼
Amounts payable after more than one year17€479k€434k▼
Financial debts170/4€479k€434k▼
Amounts payable within one year42/48€221k€146k▼
Current portion of amounts payable after more than one year42€45k€46k▲
Financial debts43€3k€0▼
Credit institutions430/8€3k€0▼
Trade debts44€0€5k▲
Suppliers440/4€0€5k▲
Taxes, remuneration and social security45€18k€11k▼
Taxes450/3€18k€11k▼
Other amounts payable47/48€155k€84k▼
Accrued charges and deferred income492/3€759€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€43k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€251k€257k▲
Operating profit (loss)9901€212k€211k▼
Financial income75/76B€1k€881▼
Recurring financial income75€1k€881▼
Financial charges65/66B€18k€16k▼
Recurring financial charges65€18k€16k▼
Profit (loss) for the period before taxes9903€195k€196k▲
Income taxes67/77€58k€58k▼
Profit (loss) for the period9904€137k€138k▲
Profit (loss) for the period to be appropriated9905€137k€138k▲
Appropriation of the result
Profit (loss) to be appropriated9906€137k€138k▲
Transfer from equity791/2€128k€0▼
Transfer to equity691/2€137k€138k▲
To other reserves6921€137k€138k▲
Profit to be distributed694/7€128k€0▼
Return on contributions (dividend)694€128k€0▼
The notes to these accounts (14 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2019net €138k ▲0.6%
Net result €138k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €552k ▲23.2%
5 profitable years in a row build equity to €552k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Liquidity triplescurrent ratio 2.01
Current ratio from 0.59 to 2.01; short-term debt falls from €61k to €47k.
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
12-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Ieper · 1 establishment unit since 2013
Ground area
576 m²
Building footprint
181 m²
Volume, LiDAR
873 m³
Parcel 33302A0009/00N000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Oude Veurnestraat 44, 8900 Ieper
since 20132.219.092.358
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33302A0009/00N000 | Flanders | 576 m² | 1 · 181 m² | 6.9 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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FOR2
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BE 0423.890.592
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,406. 5,073 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2013
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.