LOUVET
ActiveLOUVET has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €7k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 74% of 799 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+1
Solvency80▲+13
Growth38▼-17
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.9 against 1.76 in 2024; short-term debt: 45.1% and cash: 1.3% of total assets), and 45.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
54.9%
Return on assets
14.5%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
12 d late
2024
8 d early
2023
12 d early
2022
28 d early
2021
31 d early
2020
8 d early
2019
28 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€82k▲ 32.7%
2020 · €62k
2019: €95k
2020: €62k
2019 → 2021
EBIT margin
4.6%▲ 1.2pp
2020 · 3.4%
2019: 8.9%
2020: 3.4%
2019 → 2021
Net result
€7k▼ 19.3%
2024 · €9k
2019: €8k
2020: €13k
2021: €11k
2022: €-2k
2023: €3k
2024: €9k
2019 → 2025
Working capital
€21k▼ 15.8%
2024 · €25k
2019: €437
2020: €8k
2021: €11k
2022: €12k
2023: €19k
2024: €25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€82k-
Equity€26k-€24k▼ 7.6%€26k▲ 11.3%€28k▲ 4.3%€28k▲ 1.4%
Operating result€4k-€-4k€4k€9k▲ 160%€8k▼ 10.0%
Net result€11k-€-2k€3k€9k▲ 242%€7k▼ 19.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€7k▼ 22.8%
Current assets
€44k▼ 23.4%
Equity and liabilities €51k
Equity
€28k▲ 1.4%
Debt
€23k▼ 40.8%
The debt ratio falls from 58.5% to 45.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €13k
Cash flow
€11k▼
2024 · €13k
Solvency
54.9%▲
2024 · 41.5%
Current ratio
1.90▲
2024 · 1.76
Quick ratio
1.81▲
2024 · 1.68
Debt / equity
0.82▼
2024 · 1.41
ROE
26.4%▼
2024 · 33.2%
ROA
14.5%▲
2024 · 13.8%
Interest coverage
11.57▼
2024 · 62.66
Debt
€23k▼
2024 · €39k
Debt ≤ 1 year
€23k▼
2024 · €32k
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€66k€51k▼
Fixed assets21/28€9k€7k▼
Tangible fixed assets22/27€9k€5k▼
Plant, machinery and equipment23€772€230▼
Furniture and vehicles24€6k€4k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€520€2k▲
Current assets29/58€57k€44k▼
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41€50k€41k▼
Other amounts receivable41€50k€41k▼
Cash at bank and in hand54/58€4k€666▼
Equity and liabilities
Total equity and liabilities10/49€66k€51k▼
Equity10/15€28k€28k▲
Contributions10/11€1k€1k=
Capital10€1k€1k=
Issued capital100€1k€1k=
Reserves13€698€698=
Non-distributable reserves130/1€100€100=
Legal reserve130€100€100=
Distributable reserves133€598€598=
Profit (loss) carried forward14€26k€26k▲
Amounts payable17/49€39k€23k▼
Amounts payable within one year42/48€32k€23k▼
Trade debts44€30k€16k▼
Suppliers440/4€30k€16k▼
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€3k€7k▲
Accrued charges and deferred income492/3€6k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€15k€13k▼
Operating profit (loss)9901€9k€8k▼
Financial income75/76B€31€1▼
Recurring financial income75€31€1▼
Financial charges65/66B€207€1k▲
Recurring financial charges65€207€1k▲
Profit (loss) for the period before taxes9903€9k€7k▼
Profit (loss) for the period9904€9k€7k▼
Profit (loss) for the period to be appropriated9905€9k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€33k▼
Profit (loss) brought forward from the previous period14P€25k€26k▲
Profit to be distributed694/7€8k€7k▼
Directors or managers695€8k€7k▼
The notes to these accounts (5 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 12 days late
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-2k ▼118%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity doublescurrent ratio 4.91
Current ratio from 2.43 to 4.91; short-term debt falls from €6k to €3k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2019net €13k ▲64.7%
Net result €13k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.43
Current ratio from 1.03 to 2.43; short-term debt falls from €14k to €6k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tournai · 1 establishment unit since 2019
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.
Grand'Place (TOU) 597500 TournaiGround area
242 m²
Building footprint
118 m²
Volume, LiDAR
1,811 m³
Parcel 57081G0287/00E000, Wallonia · tallest building 18.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Chez Lulu
since 20192.291.613.815
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081G0287/00E000 | Wallonia | 241 m² | 1 · 118 m² | 18.1 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTournai2.291.613.815
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Of 21,911 companies in sector 56112 we hold annual accounts for 9,783. 8,352 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formGeneral partnership
Founded13-12-2018
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:chezlulutournai@hotmail.com
Phone:+32494543301