LOUVIMAC
ActiveSummary
The computed 12-month bankruptcy probability of LOUVIMAC is 1.7% (moderate). The 2025 annual accounts show negative equity (-€24,915) and a net result of -€6,582. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 18606 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.28 against 0.33 in 2024; short-term debt: 313.5% and cash: 5.8% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-213.5%
Return on assets
-56.4%
Age of the figures
9 mo
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€24,915
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
21 d early
2023
7 d early
2022
25 d early
2021
29 d late
2020
11 d late
2019
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€24,915▼ 35.9%
2024 · -€18,334
Total assets
€11,669▼ 2.8%
2024 · €12,001
Net result
-€6,582▼ 129%
2024 · -€2,876
Working capital
-€26,333▼ 29.7%
2024 · -€20,304
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€17,334▲ 196%-€8,119-€15,068▼ 85.6%-€944▲ 93.7%-€3,968▼ 320%
Net result€16,747within the sector's middle half▲ 238%-€9,488below the sector's middle half-€16,910below the sector's middle half▼ 78.2%-€2,876within the sector's middle half▲ 83.0%-€6,582below the sector's middle half▼ 129%
Equity€11,875within the sector's middle half€2,387below the sector's middle half▼ 79.9%-€14,523below the sector's middle half-€18,334below the sector's middle half▼ 26.2%-€24,915below the sector's middle half▼ 35.9%
Total assets€25,902below the sector's middle half▲ 15.2%€30,528below the sector's middle half▲ 17.9%€18,117below the sector's middle half▼ 40.7%€12,001below the sector's middle half▼ 33.8%€11,669below the sector's middle half▼ 2.8%
Debt€14,027▼ 48.7%€28,141▲ 101%€32,640▲ 16.0%€30,335▼ 7.1%€36,584▲ 20.6%
Working capital€8,991within the sector's middle half€1,488within the sector's middle half▼ 83.5%-€15,209below the sector's middle half-€20,304below the sector's middle half▼ 33.5%-€26,333below the sector's middle half▼ 29.7%
Solvency45.8%within the sector's middle half▲ 67.5pp7.8%within the sector's middle half▼ 38.0pp-80.2%below the sector's middle half▼ 88.0pp-152.8%below the sector's middle half▼ 72.6pp-213.5%below the sector's middle half▼ 60.8pp
Current ratio1.64within the sector's middle half▲ 1.091.05within the sector's middle half▼ 0.590.53below the sector's middle half▼ 0.520.33below the sector's middle half▼ 0.200.28below the sector's middle half▼ 0.05
Return on assets (ROA)64.7%above the sector's middle half▲ 42.6pp-31.1%below the sector's middle half▼ 95.7pp-93.3%below the sector's middle half▼ 62.3pp-24.0%below the sector's middle half▲ 69.4pp-56.4%below the sector's middle half▼ 32.4pp
Staff (FTE)1▲ 25.0%1=1=0.8▼ 20.0%1▲ 25.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3,968 in 2025 against €944 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11,669
Fixed assets
€1,418 ▼ 28.0%
Current assets
€10,250 ▲ 2.2%
Key figures and ratios
EBITDA
-€3,416▼
2024 · -€530
Cash flow
-€6,030▼
2024 · -€2,462
Quick ratio
0.03▲
2024 · 0.03
Debt to equity
-1.47▲
2024 · -1.65
Interest coverage
-1.40▼
2024 · -0.30
Debt ≤ 1 year
€36,584▲
2024 · €30,335
Income taxes
€176▲
2024 · €174
Staff costs
€33,111▲
2024 · €28,586
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,940 companies that looked in July 2024 the way this one looks now, 5.5% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.5%
went bankrupt
8.0%
stopped otherwise
85%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,940 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €1,643 | €22,832 | €27,719 | €28,586 | €33,111 | ▲ 15.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,412 | €1,984 | €212 | €414 | €552 | ▲ 33.2% |
| Other operating charges640/8 | €1,270 | €863 | €746 | €617 | €801 | ▲ 29.9% |
| Non-recurring operating charges66A | €600 | - | - | - | - | - |
| Gross operating margin9900 | €25,258 | €17,561 | €13,609 | €28,672 | €30,496 | ▲ 6.4% |
| Operating profit (loss)9901 | €17,334 | -€8,119 | -€15,068 | -€944 | -€3,968 | ▼ 320% |
| Financial income75/76B | €0 | - | €6 | €2 | - | - |
| Recurring financial income75 | €0 | - | €6 | €2 | - | - |
| Financial charges65/66B | €587 | €1,220 | €1,683 | €1,759 | €2,437 | ▲ 38.5% |
| Recurring financial charges65 | €587 | €1,220 | €1,683 | €1,759 | €2,437 | ▲ 38.5% |
| Profit (loss) for the period before taxes9903 | €16,747 | -€9,338 | -€16,745 | -€2,702 | -€6,405 | ▼ 137% |
| Income taxes67/77 | - | €149 | €164 | €174 | €176 | ▲ 1.0% |
| Profit (loss) for the period9904 | €16,747 | -€9,488 | -€16,910 | -€2,876 | -€6,582 | ▼ 129% |
| Profit (loss) for the period to be appropriated9905 | €16,747 | -€9,488 | -€16,910 | -€2,876 | -€6,582 | ▼ 129% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €25,902 | €30,528 | €18,117 | €12,001 | €11,669 | ▼ 2.8% |
| Fixed assets21/28 | €2,883 | €899 | €687 | €1,970 | €1,418 | ▼ 28.0% |
| Tangible fixed assets22/27 | €2,833 | €849 | €637 | €1,920 | €1,368 | ▼ 28.7% |
| Plant, machinery and equipment23 | €1,061 | €849 | €637 | €1,920 | €1,368 | ▼ 28.7% |
| Furniture and vehicles24 | €1,772 | - | - | - | - | - |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €23,019 | €29,629 | €17,430 | €10,031 | €10,250 | ▲ 2.2% |
| Stocks and contracts in progress3 | €17,178 | €27,321 | €17,095 | €9,268 | €9,046 | ▼ 2.4% |
| Stocks30/36 | €17,178 | €27,321 | €17,095 | €9,268 | €9,046 | ▼ 2.4% |
| Amounts receivable within one year40/41 | €971 | €433 | - | - | - | - |
| Trade receivables40 | - | €433 | - | - | - | - |
| Other amounts receivable41 | €971 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €3,860 | €801 | €179 | €332 | €679 | ▲ 104% |
| Deferred charges and accrued income490/1 | €1,010 | €1,073 | €156 | €431 | €525 | ▲ 21.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €25,902 | €30,528 | €18,117 | €12,001 | €11,669 | ▼ 2.8% |
| Equity10/15 | €11,875 | €2,387 | -€14,523 | -€18,334 | -€24,915 | ▼ 35.9% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Uncalled capital101 | €12,400 | - | - | - | - | - |
| Reserves13 | €529 | €529 | €529 | €529 | €529 | = |
| Non-distributable reserves130/1 | €529 | €529 | - | - | - | - |
| Legal reserve130 | €529 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €529 | - | - | - | - |
| Distributable reserves133 | - | - | €529 | €529 | €529 | = |
| Profit (loss) carried forward14 | €5,146 | -€4,342 | -€21,251 | -€25,063 | -€31,644 | ▼ 26.3% |
| Amounts payable17/49 | €14,027 | €28,141 | €32,640 | €30,335 | €36,584 | ▲ 20.6% |
| Amounts payable within one year42/48 | €14,027 | €28,141 | €32,640 | €30,335 | €36,584 | ▲ 20.6% |
| Financial debts43 | - | - | €681 | €4,344 | €3,206 | ▼ 26.2% |
| Credit institutions430/8 | - | - | €681 | €4,344 | €3,206 | ▼ 26.2% |
| Trade debts44 | €1,166 | €11,736 | €5,485 | €3,172 | €2,907 | ▼ 8.3% |
| Suppliers440/4 | €1,166 | €11,736 | €5,485 | €3,172 | €2,907 | ▼ 8.3% |
| Taxes, remuneration and social security45 | €2,492 | €7,715 | €10,349 | €10,214 | €14,879 | ▲ 45.7% |
| Taxes450/3 | €2,492 | €2,740 | €2,998 | €3,793 | €4,153 | ▲ 9.5% |
| Remuneration and social security454/9 | - | €4,975 | €7,351 | €6,422 | €10,726 | ▲ 67.0% |
| Other amounts payable47/48 | €10,370 | €8,690 | €16,124 | €12,604 | €15,592 | ▲ 23.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,747 | -€9,488 | -€16,910 | -€2,876 | -€6,582 | ▼ 129% |
| + Depreciation and write-downs630 | €4,412 | €1,984 | €212 | €414 | €552 | ▲ 33.2% |
| Operating cash flow (approximation) | €21,159 | -€7,503 | -€16,697 | -€2,462 | -€6,030 | ▼ 145% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1,697 | €0 | ▲ 100% |
| Change in cash | - | -€3,059 | -€622 | €153 | €347 | ▲ 126% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€16,910
Net result drops to -€16,910, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €16,747 ▲238%
Operating result €17,334, net result €16,747, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.64
Current ratio from 0.56 to 1.64; short-term debt falls from €27,356 to €14,027.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
2 acts for this company are 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, Sombreffe · 1 establishment unit since 2013
Ground area
2,247 m²
Building footprint
185 m²
Volume, LiDAR
1,427 m³
2 parcels, Brussels, Wallonia · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LOUVIMAC
since 20132.217.901.238
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92126C0260/00R000 | Wallonia | 2,178 m² | 1 · 127 m² | 7.2 m · 2 fl. |
| 21005A0505/00T003 | Brussels | 69 m² | 1 · 57 m² | 15.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 458 companies in sector 47712 we hold annual accounts for 268. 59 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-03-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
47712Retail trade
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
47722Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0524935492
Also
9925:BE0524935492
Registered
19-07-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.