LOUV IMMO
ActiveLOUV IMMO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €-12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▲+7
Solvency35▼-6
Growth32=
Track record100
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 0.69 against 0.82 in 2024; short-term debt: 45.4% and cash: 0.6% of total assets), and 90% 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.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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%
Return on assets
-4.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-12k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7431 sector peers (2025).
NBB · sector comparisonPosition among 7431 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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
49 d late
2024
55 d late
2023
65 d late
2022
58 d late
2021
61 d late
2020
270 d late
2019
54 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-12k▲ 43.2%
2024 · €-21k
2018: €74k
2019: €-26k
2020: €-4k
2021: €29k
2022: €-28k
2023: €44k
2024: €-21k
2018 → 2025
Working capital
€-36k▼ 126%
2024 · €-16k
2018: €44k
2019: €18k
2020: €14k
2021: €44k
2022: €16k
2023: €-21k
2024: €-16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€16k▼ 63.7%€60k▲ 277%€38k▼ 35.8%€26k▼ 31.7%
Operating result€29k-€-29k€49k€-20k€-5k▲ 75.5%
Net result€29k-€-28k€44k€-21k€-12k▲ 43.2%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €20k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €262k
Fixed assets
€179k▲ 13.7%
Current assets
€82k▲ 9.6%
Equity and liabilities €262k
Equity
€26k▼ 31.7%
Debt
€235k▲ 21.1%
The debt ratio rises from 83.6% to 90.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€828▲
2024 · €-16k
Cash flow
€-7k▲
2024 · €-18k
Solvency
10.0%▼
2024 · 16.4%
Current ratio
0.69▼
2024 · 0.82
Quick ratio
0.19▼
2024 · 0.26
Debt / equity
9.01▲
2024 · 5.08
ROE
-46.5%▲
2024 · -55.9%
ROA
-4.6%▲
2024 · -9.2%
Interest coverage
0.11▲
2024 · -8.23
Debt
€235k▲
2024 · €195k
Debt ≤ 1 year
€119k▲
2024 · €91k
Debt > 1 year
€117k▲
2024 · €103k
Income taxes
€-83
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€233k€262k▲
Fixed assets21/28€158k€179k▲
Tangible fixed assets22/27€158k€179k▲
Land and buildings22€158k€179k▲
Current assets29/58€75k€82k▲
Stocks and contracts in progress3€52k€60k▲
Stocks30/36€52k€60k▲
Amounts receivable within one year40/41€24k€20k▼
Trade receivables40€9k€9k=
Other amounts receivable41€15k€12k▼
Cash at bank and in hand54/58€84€2k▲
Deferred charges and accrued income490/1-€252
Equity and liabilities
Total equity and liabilities10/49€233k€262k▲
Equity10/15€38k€26k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€18k€6k▼
Amounts payable17/49€195k€235k▲
Amounts payable after more than one year17€103k€117k▲
Financial debts170/4€103k€117k▲
Amounts payable within one year42/48€91k€119k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44€74k€26k▼
Suppliers440/4€74k€26k▼
Taxes, remuneration and social security45€6k-
Taxes450/3€6k-
Other amounts payable47/48€12k€87k▲
Income statement
Code20242025
Non-recurring operating income76A-€11k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€6k€915▼
Gross operating margin9900€-10k€2k▲
Operating profit (loss)9901€-20k€-5k▲
Financial income75/76B€285€280▼
Recurring financial income75€285€280▼
Financial charges65/66B€2k€8k▲
Recurring financial charges65€2k€8k▲
Non-recurring financial charges66B€84€100▲
Profit (loss) for the period before taxes9903€-21k€-12k▲
Income taxes67/77-€-83
Profit (loss) for the period9904€-21k€-12k▲
Profit (loss) for the period to be appropriated9905€-21k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€6k▼
Profit (loss) brought forward from the previous period14P€39k€18k▼
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
Next filing, fiscal year 2026, expected by
2026
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 49 days late
14-09
State Gazette act
General meeting · Director resignationGeneral meeting · Director resignation · Director discharge5 facts ▸
State Gazette act
General meeting · Director resignation
General meeting · Director resignation · Director discharge5 facts ▸
- General meeting, 2026-06-30
- Director resignation, Ferrandino Nazario (Administrateur)
- Director discharge, Ferrandino Nazario
- Director appointment, Buccarello Dominique (Administrateur)
- Mandate compensation, Buccarello Dominique
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial
Weakest financial yearnet €-28k ▼195%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 270 days late
2021
31-12
Financial
Back to profitnet €29k
Net result €29k after 2 loss-making years.
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
16-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 47 days late
2018
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 43 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 56 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
Buccarello Dominique
CurrentDirector · since 01-07-2026
01-07-2026
Buccarello Dominique: Appointed as Director
01-07-2026
Ferrandino Nazario: Resigned as Director
Location & real-estate footprint
Registered office, La Louvière · 1 establishment unit since 2015
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.
Clos Beaulieu(S-B) 97110 La LouvièreGround area
611 m²
Building footprint
120 m²
Volume, LiDAR
352 m³
Parcel 55042B0261/00V000, Wallonia · tallest building 3.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LOUV IMMO
since 20152.241.690.586
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55042B0261/00V000 | Wallonia | 610 m² | 1 · 120 m² | 3.4 m · 1 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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DANCO
BE 1007.266.509
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EASY PACKAGING
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TBTP
BE 1030.826.522
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Of 2,452 companies in sector 41003 we hold annual accounts for 1,055. 644 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2015
Fiscal year end31-12
Activities, NACEBEL
41003General construction of other non-residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.
Contact details
1 entryPhone:0493978708