Financials
- Fiscal year
- 2025
- Total assets
- €151,810
- Loss
- -€18,763
- Solvency
- 95.6%
Total assets▼ 18.9%
Net result
20202025
LOUVANIE
ActiveSummary
LOUVANIE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145,060 and a net result of -€18,763. Equity is growing by ~43.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 5053 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Other personal services
NACE 96999NACE 96099
#7 company by equity in Rumst, Other services sector1 site
Size
€151,810total assets 2025
- Equity
- €145,060
- Loss
- -€18,763
Turnover not published (abridged schema)
Structure
Accounts filed 20 d late0 of 1 deed read
Why 89- Loss of €18,763 (FY 2025)+ Liquidity: current ratio 18.33, cash €69,878+ Equity €145,060 (95.6% of total assets)+ Figures for FY 2025 (filed 20-08-2026)Show the evidence
Checked score
Score 2025
89
/ 100
Excellent
Probability in this band: under 0.55%
Better than 59% of its sector peers (NACE 96, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 95.6% of total assets
Liquidity
100+2
short-term debt 4.4% · cash 46.0%
Profitability
3-94
return on assets -12.4%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 12 months
11-2025: 0.1%lowest value
12-2025: 0.1%● 0.0% vs 11-2025lowest value
01-2026: 0.1%▲ +1.3% vs 12-2025
02-2026: 0.1%▲ +3.7% vs 01-2026
03-2026: 0.1%● 0.0% vs 02-2026
04-2026: 0.1%● 0.0% vs 03-2026
05-2026: 0.1%▲ +4.8% vs 04-2026
06-2026: 0.1%▼ -5.7% vs 05-2026
07-2026: 0.1%▲ +14.5% vs 06-2026
08-2026: 0.2%▲ +143% vs 07-2026highest value
09-2026: 0.2%▼ -7.8% vs 08-2026
10-2026: 0.2%● 0.0% vs 09-2026
- Liquidity: current ratio 18.33, cash €69,878 lowers the probability
- Loss of €18,763 (FY 2025) raises the probability
- Equity €145,060 (95.6% of total assets) lowers the probability
- Figures for FY 2025 (filed 20-08-2026) lowers the probability
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 18.33 against 6.3 in 2024; short-term debt: 4.4% and cash: 46% of total assets), and 4.4% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 93%, liquidity 98%, profitability 18%, growth against the median 28%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 6 filingsDeviation from the deadline
2025
20 d late
2024
18 d late
2023
8 d early
2022
7 d late
2021
24 d late
2020
27 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 15 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
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. Usually files around 18 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€18,763
- Liquidity triplescurrent ratio 18.33
Key points
By topic
Timeline
- Events
- 12
- Since
- 2021
- Next accounts
- by 31-07-2027
- 20-08-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 31-12-2025Liquidity triples
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other personal servicesNACE 96999
- Founded
- 22-01-2020
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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