Active BE 0533.868.994Private limited company

LOUVALIM

Rue Ie-Division-Marocaine,Ernage 21 ·5030 Gembloux, Belgium· 13 yrs active

Sector: Other business support services (82990)

Conclusion Checked

LOUVALIM has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €337k and a net result of €334k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 44% of 7538 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€337k
Net result	€334k
Better than sector	44%
Active	13 yrs

Financial profile 5 of 5 axes measured · computed by Checked

92 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 100

Solvency 89

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.3% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2013, 13 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€30k

estimate, not credit advice

Score history

18 2022

76 2023

32 2024

94 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 10.78 (≥ 1.5) +10

Quick ratio Quick ratio 10.78 (≥ 1.0) +5

Leverage Debt/equity 1.25 (< 2.0) +3

Profitability ROE 99% (≥ 10%) +10

Interest coverage Interest coverage 37.2× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview12 NBB filings

Annual accounts filed on 12-08-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 82, Office administrative, office support and other business support activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	44.4%	50.9%	better than 44% of 7538 sector peers
Net result	€334k	€16k	better than 95% of 7529 sector peers
Equity	€337k	€58k	better than 87% of 7545 sector peers
Gross operating margin	€342k	€40k	better than 95% of 7524 sector peers
Total assets	€759k	€140k	better than 88% of 7543 sector peers

EBITDA

€342k

- 22-25

Net profit

€334k

- 22-25

Cash flow

€338k

- 22-25

Total assets

€759k

+63.2% 22-25

Equity

€337k

+12056.5% 22-25

Working capital

€626k

+99.3% 22-25

Employees (FTE)

5

-30.0% 22-25

Staff costs

€728

-99.8% 22-25

Income taxes

€6k

+200.2% 22-25

Dividends

€6k

- 22-25

Debt

€422k

-8.7% 22-25

Debt ≤ 1y

€64k

-28.0% 22-25

Debt > 1y

€58k

-20.7% 22-25

Current ratio

10.78

+137.7% 22-25

Quick ratio

10.78

+137.7% 22-25

Solvency

44.4%

+7350.0% 22-25

Debt / equity

1.25

-99.2% 22-25

ROE

99.2%

- 22-25

ROA

44.0%

- 22-25

Interest coverage

37.16

- 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	micro schema	micro schema	full schema	full schema
Revenue	-	-	-	-
EBITDA	€342k	€-41k	€121k	€60k
Net profit	€334k	€-43k	€52k	€-21k
Cash flow	€338k	€-41k	€54k	€36k
Staff costs	-	€728	€328k	€438k
Income taxes	€6k	€2k	€4k	-
Dividends	-	-	€6k	-
Total assets	€759k	€465k	€534k	€528k
Equity	€337k	€3k	€46k	€312
Debt	€422k	€462k	€488k	€528k
of which ≤ 1y	€64k	€89k	€100k	€402k
of which > 1y	€58k	€73k	€88k	€125k
Working capital	€626k	€314k	€370k	€-21k
Employees (FTE)	-	-	4.9	7.0

Note: these years are not on the same basis. The filed schemas differ (micro schema, full schema), so the columns are not directly comparable.

Ratios (computed)

	2025	2024	2023	2022
Current ratio	10.78	4.53	4.71	0.95
Quick ratio	10.78	4.53	4.71	0.59
Working capital ratio	82.5%	67.6%	69.3%	-4.0%
Solvency	44.4%	0.6%	8.5%	0.1%
Debt / equity	1.25	166.94	10.72	1691.15
Long-term debt ratio	0.17	26.50	1.94	402.04
Interest coverage	37.16	-5.48	1.88	2.47
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	44.0%	-9.2%	9.7%	-3.9%
ROE	99.2%	-1544.9%	113.4%	-6603.6%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €69k · 9.0% Current assets €690k · 91.0%

Equity & liabilities

Equity €337k · 44.4% Debt €422k · 55.6%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€759k	€465k	€534k	€528k
Fixed assets	21/28	€69k	€62k	€64k	€147k
Tangible fixed assets	22/27	€19k	€12k	€14k	€97k
Financial fixed assets	28	€50k	€50k	€50k	€50k
Current assets	29/58	€690k	€403k	€470k	€381k
Stocks & contracts in progress	3	-	-	-	€144k
Amounts receivable within one year	40/41	€388k	€102k	€106k	€93k
Cash & bank	54/58	€575	€36	€63k	€20k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€759k	€465k	€534k	€528k
Equity	10/15	€337k	€3k	€46k	€312
Contributions / capital	10/11	€45k	€45k	€45k	€45k
Reserves	13	-	-	-	€7k
Accumulated profits (losses)	14	€292k	€-42k	€553	€-52k
Amounts payable	17/49	€422k	€462k	€488k	€528k
Amounts payable after one year	17	€58k	€73k	€88k	€125k
Amounts payable within one year	42/48	€64k	€89k	€100k	€402k
Trade debts payable within one year	44	€3k	€27k	€48k	€220k
Income statement
Gross operating margin	9900	€342k	€-40k	€781k	€499k
Operating result	9901	€339k	€-43k	€119k	€4k
Financial income	75	€11k	€10k	€291	€71
Financial charges	65	€9k	€8k	€64k	€24k
Result before taxes	9903	€340k	€-41k	€55k	€-21k
Income taxes	67/77	€6k	€2k	€4k	-
Net result for the period	9904	€334k	€-43k	€52k	€-21k
Result to be appropriated	9905	€334k	€-43k	€52k	€-21k

Legal Structure

NACE primary	Other business support services(82990)
Legal form	Private limited company(610)
Incorporation	03-05-2013
Status	Active
Postal code	5030

Establishment units 1 location

Rue Ie-Division-Marocaine,Ernage 21, 5030 Gembloux

Activities of head offices

since 20132.219.155.508

Updates 10 events

All 16Financial 6Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

12-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 12 days late

2025

31-12

Financial Back to profitnet €334k

Net result €334k after one loss-making year.

31-12

Financial Liquidity doublescurrent ratio 10.78

Current ratio from 4.53 to 10.78; short-term debt falls from €89k to €64k.

31-12

Financial Equity above €200kEq €337k ▲12057%

Equity rises from €3k to €337k.

18-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 18 days late

2024

31-12

Financial Weakest financial yearnet €-43k ▼183%

Net result drops to €-43k, the lowest in the series; recovery starts the following year.

17-06

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

31-12

Financial Back to profitnet €52k

Net result €52k after one loss-making year.

31-12

Financial Liquidity times 5current ratio 4.71

Current ratio from 0.95 to 4.71; short-term debt falls from €402k to €100k.

02-06

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

26-07

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 31 days late

2020

30-09

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 61 days late

2019

17-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

23-07

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2017

25-07

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.

Belgian State Gazette reading coverage 0 of 2 acts read

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.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Other business support services82990

Names & trade names

Legal nameFR

LOUVALIM

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