Louvic
ActiveThe computed 12-month bankruptcy probability of Louvic is 1.7% (moderate). The 2025 annual accounts show equity of €138k and a net result of €592k. Its solvency ranks better than 15% of 10230 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency11▼-28
Growth78
Stability94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.75 in 2024), and 96.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
3.8%
Return on assets
16.1%
Age of the figures
14 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 10230 sector peers (2025).
NBB · sector comparisonPosition among 10230 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
8 d early
2024
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€138k
2024 · €-49k
2024: €-49k
2024 → 2025
Total assets
€3.68M▲ 5.7%
2024 · €3.48M
2024: €3.48M
2024 → 2025
Net result
€592k
2024 · €-54k
2024: €-54k
2024 → 2025
Working capital
€-229k▲ 33.4%
2024 · €-343k
2024: €-343k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€-49k-€138k
Operating result€-14k-€838k
Net result€-54k-€592k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €838k after a loss of €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.68M
Fixed assets
€2.32M▼ 4.9%
Current assets
€1.36M▲ 30.7%
Equity and liabilities €3.68M
Equity
€138k
Debt
€3.54M
Debt finances 96.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€1.12M▲
2024 · €70k
Cash flow
€874k▲
2024 · €30k
Solvency
3.8%▲
2024 · -1.4%
Current ratio
0.86▲
2024 · 0.75
Quick ratio
0.49▲
2024 · 0.39
Debt / equity
25.60▲
2024 · -71.92
ROE
428.5%▲
2024 · 110.2%
ROA
16.1%▲
2024 · -1.6%
Interest coverage
6.83▲
2024 · 1.64
Debt
€3.54M▲
2024 · €3.52M
Debt ≤ 1 year
€1.59M▲
2024 · €1.38M
Debt > 1 year
€1.12M▼
2024 · €1.24M
Income taxes
€179k▲
2024 · €29
Staff costs
€1.37M▲
2024 · €911k
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€3.48M€3.68M▲
Fixed assets21/28€2.44M€2.32M▼
Tangible fixed assets22/27€2.44M€2.32M▼
Plant, machinery and equipment23€1.62M€1.50M▼
Furniture and vehicles24€7k€20k▲
Other tangible fixed assets26€812k€795k▼
Current assets29/58€1.04M€1.36M▲
Stocks and contracts in progress3€503k€589k▲
Stocks30/36€503k€589k▲
Amounts receivable within one year40/41€160k€449k▲
Trade receivables40€149k€68k▼
Other amounts receivable41€11k€380k▲
Cash at bank and in hand54/58€356k€303k▼
Deferred charges and accrued income490/1€21k€19k▼
Equity and liabilities
Total equity and liabilities10/49€3.48M€3.68M▲
Equity10/15€-49k€138k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-54k€133k▲
Amounts payable17/49€3.52M€3.54M▲
Amounts payable after more than one year17€1.24M€1.12M▼
Financial debts170/4€1.24M€1.12M▼
Amounts payable within one year42/48€1.38M€1.59M▲
Current portion of amounts payable after more than one year42€58k€120k▲
Trade debts44€1.11M€924k▼
Suppliers440/4€1.11M€924k▼
Taxes, remuneration and social security45€175k€139k▼
Taxes450/3€40€4k▲
Remuneration and social security454/9€175k€135k▼
Other amounts payable47/48€43k€405k▲
Accrued charges and deferred income492/3€900k€828k▼
Income statement
Code20242025
Remuneration, social security and pensions62€911k€1.37M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€282k▲
Other operating charges640/8€6k€1k▼
Gross operating margin9900€987k€2.49M▲
Operating profit (loss)9901€-14k€838k▲
Financial income75/76B€3k€97k▲
Recurring financial income75€3k€97k▲
Financial charges65/66B€43k€164k▲
Recurring financial charges65€43k€164k▲
Profit (loss) for the period before taxes9903€-54k€771k▲
Income taxes67/77€29€179k▲
Profit (loss) for the period9904€-54k€592k▲
Profit (loss) for the period to be appropriated9905€-54k€592k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-54k€538k▲
Profit (loss) brought forward from the previous period14P-€-54k
Profit to be distributed694/7-€405k
Return on contributions (dividend)694-€405k
Social balance
Average headcount (FTE)908731.038.4▲
The notes to these accounts (15 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
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Back to profitnet €592k
Net result €592k after one loss-making year.
30-06
Financial
Equity above €100kEq €138k
Equity rises from €-49k to €138k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated 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, Sint-Niklaas · 1 establishment unit since 2022
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.
Kerkstraat 149111 Sint-NiklaasGround area
5,489 m²
Building footprint
2,378 m²
Volume, LiDAR
14,297 m³
Parcel 46002C0495/00N000, Flanders · tallest building 27.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Louvic
since 20222.340.545.167
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002C0495/00N000 | Flanders | 5,489 m² | 1 · 2,378 m² | 27.9 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 5 entries · 56,285 EUR awarded · 37,540 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 176 EUR | 176 EUR |
| 2024 | 2 | 56,109 EUR | 37,364 EUR |
Schemes
Ecologiepremie+
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileySint-Niklaas2.340.545.167
Similar companies · same sector, comparable size
TASFA
BE 0501.763.776
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BEDEK
BE 0816.787.213
Braine-l'Alleud · Eq €138k
PLANET INDIA
BE 0691.827.259
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LEMARC
BE 0473.377.915
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TAC TIC
BE 0473.424.336
Sint-Jans-Molenbeek · Eq €138k
Of 10,411 companies in sector 47110 we hold annual accounts for 5,786. 4,456 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2022
Fiscal year end30-06
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
47210Retail sale of fruit and vegetables
47241Retail sale of bread and pastry (bakery outlets)
47279Other retail sale of food
47299Retail trade
47750Retail sale of cosmetics and toilet articles
47783Retail trade
47784Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.