Lov It
ActiveSummary
The computed 12-month bankruptcy probability of Lov It is 2.5% (moderate). The 2026 annual accounts show equity of €109k and a net result of €15k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 207 sector peers (fiscal year 2026). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
Axes · tick = 2025
Profitability60▲+6
Solvency81▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.39 against 2.06 in 2025; short-term debt: 41.2% and cash: 25.7% of total assets), and 43.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2026Solvency, return and age of the figures
Solvency
56.4%
Return on assets
7.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 01-09-2026, 1 day 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
2026
1 d late
2025
10 d late
2024
2 d early
2023
35 d late
2022
1 d early
2021
16 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€109k▲ 16.3%
2025 · €93k
2021: €52k
2022: €52k▼ -0.6% vs 2021lowest in 6 years
2023: €68k▲ +31.3% vs 2022
2024: €77k▲ +13.3% vs 2023
2025: €93k▲ +20.9% vs 2024
2026: €109k▲ +16.3% vs 2025highest in 6 years
2021 → 2026
Total assets
€192k▲ 4.4%
2025 · €184k
2021: €120k
2022: €119k▼ -1.1% vs 2021lowest in 6 years
2023: €177k▲ +49.1% vs 2022
2024: €188k▲ +5.9% vs 2023
2025: €184k▼ -1.9% vs 2024
2026: €192k▲ +4.4% vs 2025highest in 6 years
2021 → 2026
Net result
€15k▼ 6.1%
2025 · €16k
2021: €7k
2022: €-319▼ -104% vs 2021lowest in 6 years
2023: €16k▲ +5195% vs 2022highest in 6 years
2024: €9k▼ -44.3% vs 2023
2025: €16k▲ +78.5% vs 2024
2026: €15k▼ -6.1% vs 2025
2021 → 2026
Working capital
€110k▲ 20.3%
2025 · €92k
2021: €75k
2022: €63k▼ -16.3% vs 2021lowest in 6 years
2023: €83k▲ +32.9% vs 2022
2024: €93k▲ +11.7% vs 2023
2025: €92k▼ -1.4% vs 2024
2026: €110k▲ +20.3% vs 2025highest in 6 years
2021 → 2026
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€52k-€68k▲ 31.3%€77k▲ 13.3%€93k▲ 20.9%€109k▲ 16.3%
2022: €52klowest in 5 years
2023: €68k▲ +31.3% vs 2022
2024: €77k▲ +13.3% vs 2023
2025: €93k▲ +20.9% vs 2024
2026: €109k▲ +16.3% vs 2025highest in 5 years
Operating result€4k-€28k▲ 528%€20k▼ 27.7%€33k▲ 65.9%€28k▼ 16.2%
2022: €4klowest in 5 years
2023: €28k▲ +528% vs 2022
2024: €20k▼ -27.7% vs 2023
2025: €33k▲ +65.9% vs 2024highest in 5 years
2026: €28k▼ -16.2% vs 2025
Net result€-319-€16k€9k▼ 44.3%€16k▲ 78.5%€15k▼ 6.1%
2022: €-319lowest in 5 years
2023: €16k▲ +5195% vs 2022highest in 5 years
2024: €9k▼ -44.3% vs 2023
2025: €16k▲ +78.5% vs 2024
2026: €15k▼ -6.1% vs 2025
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 16% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €192k
Fixed assets
€3k ▼ 54.0%
Current assets
€189k ▲ 6.5%
Equity and liabilities €192k
Equity
€109k ▲ 16.3%
Debt
€84k ▼ 7.7%
Debt's share of the balance-sheet total falls from 49.3% to 43.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31k▼
2025 · €37k
Cash flow
€19k▼
2025 · €20k
Current ratio
2.39▲
2025 · 2.06
Quick ratio
0.69▲
2025 · 0.51
Debt to equity
0.77▼
2025 · 0.97
ROE
14.0%▼
2025 · 17.3%
ROA
7.9%▼
2025 · 8.8%
Interest coverage
3.72▲
2025 · 2.93
Debt ≤ 1 year
€79k▼
2025 · €86k
Debt > 1 year
€5k=
2025 · €5k
Income taxes
€4k▼
2025 · €5k
Staff costs
€83k▲
2025 · €62k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2026 against 2025 · 44 lines
Balance sheet
Code20252026
Assets
Total assets20/58€184k€192k▲
Fixed assets21/28€6k€3k▼
Tangible fixed assets22/27€6k€3k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€1k-
Current assets29/58€178k€189k▲
Stocks and contracts in progress3€133k€134k▲
Stocks30/36€133k€134k▲
Amounts receivable within one year40/41€7k€1k▼
Trade receivables40€7k€1k▼
Cash at bank and in hand54/58€33k€49k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€184k€192k▲
Equity10/15€93k€109k▲
Contributions10/11€45k€45k=
Reserves13€27k€27k=
Distributable reserves133€27k€27k=
Profit (loss) carried forward14€22k€37k▲
Amounts payable17/49€91k€84k▼
Amounts payable after more than one year17€5k€5k=
Financial debts170/4€5k€5k=
Amounts payable within one year42/48€86k€79k▼
Current portion of amounts payable after more than one year42€25k€25k=
Trade debts44€21k€5k▼
Suppliers440/4€21k€5k▼
Taxes, remuneration and social security45€20k€30k▲
Taxes450/3€8k€13k▲
Remuneration and social security454/9€13k€17k▲
Other amounts payable47/48€20k€19k▼
Income statement
Code20252026
Remuneration, social security and pensions62€62k€83k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€4k€395▼
Gross operating margin9900€102k€115k▲
Operating profit (loss)9901€33k€28k▼
Financial income75/76B€129€68▼
Recurring financial income75€129€68▼
Financial charges65/66B€13k€8k▼
Recurring financial charges65€13k€8k▼
Profit (loss) for the period before taxes9903€21k€20k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€16k€15k▼
Profit (loss) for the period to be appropriated9905€16k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€37k▲
Profit (loss) brought forward from the previous period14P€6k€22k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €31k | €48k | €59k | €62k | €83k | ▲ 35.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €7k | €9k | €3k | €3k | = |
| Other operating charges640/8 | €4k | €8k | €4k | €4k | €395 | ▼ 89.9% |
| Gross operating margin9900 | €47k | €92k | €92k | €102k | €115k | ▲ 12.3% |
| Operating profit (loss)9901 | €4k | €28k | €20k | €33k | €28k | ▼ 16.2% |
| Financial income75/76B | €10 | €428 | €341 | €129 | €68 | ▼ 47.5% |
| Recurring financial income75 | €10 | €428 | €341 | €129 | €68 | ▼ 47.5% |
| Financial charges65/66B | €5k | €8k | €8k | €13k | €8k | ▼ 32.9% |
| Recurring financial charges65 | €5k | €8k | €8k | €13k | €8k | ▼ 32.9% |
| Profit (loss) for the period before taxes9903 | €-319 | €20k | €13k | €21k | €20k | ▼ 6.4% |
| Income taxes67/77 | - | €4k | €4k | €5k | €4k | ▼ 7.6% |
| Profit (loss) for the period9904 | €-319 | €16k | €9k | €16k | €15k | ▼ 6.1% |
| Profit (loss) for the period to be appropriated9905 | €-319 | €16k | €9k | €16k | €15k | ▼ 6.1% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €119k | €177k | €188k | €184k | €192k | ▲ 4.4% |
| Fixed assets21/28 | €18k | €11k | €7k | €6k | €3k | ▼ 54.0% |
| Tangible fixed assets22/27 | €18k | €11k | €7k | €6k | €3k | ▼ 54.0% |
| Plant, machinery and equipment23 | €5k | €4k | €7k | €5k | €3k | ▼ 40.5% |
| Furniture and vehicles24 | - | - | - | €1k | - | - |
| Other tangible fixed assets26 | €13k | €7k | - | - | - | - |
| Current assets29/58 | €101k | €167k | €181k | €178k | €189k | ▲ 6.5% |
| Stocks and contracts in progress3 | €81k | €109k | €124k | €133k | €134k | ▲ 0.7% |
| Stocks30/36 | €81k | €109k | €124k | €133k | €134k | ▲ 0.7% |
| Amounts receivable within one year40/41 | €2k | €3k | €3k | €7k | €1k | ▼ 84.0% |
| Trade receivables40 | - | €3k | - | €7k | €1k | ▼ 84.0% |
| Other amounts receivable41 | €2k | - | €3k | - | - | - |
| Cash at bank and in hand54/58 | €19k | €54k | €52k | €33k | €49k | ▲ 48.8% |
| Deferred charges and accrued income490/1 | - | €893 | €3k | €4k | €4k | ▲ 14.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €119k | €177k | €188k | €184k | €192k | ▲ 4.4% |
| Equity10/15 | €52k | €68k | €77k | €93k | €109k | ▲ 16.3% |
| Contributions10/11 | €45k | €45k | €45k | €45k | €45k | = |
| Capital10 | €45k | €45k | - | - | - | - |
| Issued capital100 | €45k | €45k | - | - | - | - |
| Outside capital11 | - | - | €45k | - | - | - |
| Other1109/19 | - | - | €45k | - | - | - |
| Reserves13 | €362 | €18k | €27k | €27k | €27k | = |
| Non-distributable reserves130/1 | €362 | €1k | - | - | - | - |
| Legal reserve130 | €362 | €1k | - | - | - | - |
| Distributable reserves133 | - | €16k | €27k | €27k | €27k | = |
| Profit (loss) carried forward14 | €7k | €6k | €6k | €22k | €37k | ▲ 69.8% |
| Amounts payable17/49 | €67k | €109k | €111k | €91k | €84k | ▼ 7.7% |
| Amounts payable after more than one year17 | €5k | €5k | €5k | €5k | €5k | = |
| Financial debts170/4 | €5k | €5k | €5k | €5k | €5k | = |
| Amounts payable within one year42/48 | €39k | €84k | €88k | €86k | €79k | ▼ 8.1% |
| Current portion of amounts payable after more than one year42 | €25k | €25k | €25k | €25k | €25k | = |
| Trade debts44 | - | €27k | €28k | €21k | €5k | ▼ 76.5% |
| Suppliers440/4 | - | €27k | €28k | €21k | €5k | ▼ 76.5% |
| Taxes, remuneration and social security45 | €8k | €16k | €22k | €20k | €30k | ▲ 47.7% |
| Taxes450/3 | €3k | €5k | €8k | €8k | €13k | ▲ 76.4% |
| Remuneration and social security454/9 | €5k | €11k | €14k | €13k | €17k | ▲ 30.8% |
| Other amounts payable47/48 | €6k | €15k | €14k | €20k | €19k | ▼ 5.1% |
| Accrued charges and deferred income492/3 | €24k | €21k | €18k | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-319 | €16k | €9k | €16k | €15k | ▼ 6.1% |
| + Depreciation and write-downs630 | €8k | €7k | €9k | €3k | €3k | = |
| Operating cash flow (approximation) | €7k | €24k | €18k | €20k | €19k | ▼ 5.0% |
| Investment in fixed assets (approximation) | - | €0 | €-5k | €-3k | €0 | ▲ 100% |
| Change in cash | - | €36k | €-3k | €-19k | €16k | ▲ 188% |
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 2027, expected by
2026
01-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema · 1 day late
31-01
Financial
Equity above €100kEq €109k ▲16.3%
4 profitable years in a row build equity to €109k.
2025
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 35 days late
31-01
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-01
Financial
Weakest financial yearnet €-319
Net result drops to €-319, the lowest in the series; recovery starts the following year.
2021
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 16 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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Brussel · 1 establishment unit since 2019
Ground area
111 m²
Building footprint
102 m²
Volume, LiDAR
1,657 m³
Parcel 21802B1179/00F000, Brussels · tallest building 20.3 m, ±6 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Lov It
since 20192.287.993.834
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21802B1179/00F000 | Brussels | 111 m² | 1 · 102 m² | 20.3 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Moi d'Abord
BE 0448.355.675
Tournai · Eq €108,590
L & LUI
BE 0556.847.603
Florennes · Eq €108,467
SIMONS 4
BE 0425.004.510
Bree · Eq €108,439
TERRE NEUVE
BE 0436.608.876
Liège · Eq €108,796
SMBJ
BE 0778.625.037
Asse · Eq €108,826
Of 6,502 companies in sector 47716 we hold annual accounts for 2,440. 1,906 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
Founded14-02-2019
Fiscal year end31-01
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
01430Raising of horses and other equines
18120Other printing
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46450Wholesale of perfume and cosmetics
93127Equestrian clubs
93199Other sports activities
Contact
Phone
000000000097Brussel
Scores and ratios are computed by Checked and are not a credit decision.