LOVA CROC
ActiveThe computed 12-month bankruptcy probability of LOVA CROC is 2.7% (moderate). The 2025 annual accounts show equity of €21k and a net result of €-6k. Equity is growing by ~28.7% per year across the filed fiscal years. Its solvency ranks better than 53% of 18281 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-60
Solvency63=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.03 in 2024; short-term debt: 53.9% and cash: 26.7% of total assets), and 62.2% 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.
+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 →
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
37.8%
Return on assets
-10.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
37 d early
2023
on the day
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 21.6%
2024 · €27k
2023: €9k
2024: €27k
2023 → 2025
Total assets
€55k▼ 21.9%
2024 · €71k
2023: €61k
2024: €71k
2023 → 2025
Net result
€-6k
2024 · €18k
2023: €4k
2024: €18k
2023 → 2025
Working capital
€2k▲ 106%
2024 · €1k
2023: €-18k
2024: €1k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€9k-€27k▲ 199%€21k▼ 21.6%
Operating result€6k-€25k▲ 319%€-4k
Net result€4k-€18k▲ 355%€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €25k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€23k▼ 29.0%
Current assets
€32k▼ 15.8%
Equity and liabilities €55k
Equity
€21k▼ 21.6%
Debt
€34k▼ 22.0%
The debt ratio falls from 62.3% to 62.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €32k
Cash flow
€4k▼
2024 · €25k
Solvency
37.8%▲
2024 · 37.7%
Current ratio
1.08▲
2024 · 1.03
Quick ratio
0.70▼
2024 · 0.75
Debt / equity
1.65▼
2024 · 1.66
ROE
-27.5%▼
2024 · 66.6%
ROA
-10.4%▼
2024 · 25.1%
Interest coverage
4.05▼
2024 · 49.83
Debt
€34k▼
2024 · €44k
Debt ≤ 1 year
€30k▼
2024 · €37k
Debt > 1 year
€5k▼
2024 · €7k
Income taxes
€60▼
2024 · €6k
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€71k€55k▼
Fixed assets21/28€33k€23k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€28k€20k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€24k€17k▼
Current assets29/58€38k€32k▼
Stocks and contracts in progress3€10k€11k▲
Stocks30/36€10k€11k▲
Amounts receivable within one year40/41€26k€4k▼
Trade receivables40€4k€3k▼
Other amounts receivable41€22k€187▼
Cash at bank and in hand54/58€967€15k▲
Deferred charges and accrued income490/1€665€3k▲
Equity and liabilities
Total equity and liabilities10/49€71k€55k▼
Equity10/15€27k€21k▼
Contributions10/11€5k€5k=
Reserves13€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€18k€12k▼
Amounts payable17/49€44k€34k▼
Amounts payable after more than one year17€7k€5k▼
Financial debts170/4€7k€5k▼
Amounts payable within one year42/48€37k€30k▼
Current portion of amounts payable after more than one year42€2k€9k▲
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€8k€6k▼
Other amounts payable47/48€18k€9k▼
Accrued charges and deferred income492/3€1-
Income statement
Code20242025
Non-recurring operating income76A€44-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€485€740▲
Non-recurring operating charges66A-€23k
Gross operating margin9900€32k€29k▼
Operating profit (loss)9901€25k€-4k▼
Financial income75/76B€0€129▲
Recurring financial income75€0€129▲
Financial charges65/66B€640€1k▲
Recurring financial charges65€640€1k▲
Profit (loss) for the period before taxes9903€24k€-6k▼
Income taxes67/77€6k€60▼
Profit (loss) for the period9904€18k€-6k▼
Profit (loss) for the period to be appropriated9905€18k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€12k▼
Profit (loss) brought forward from the previous period14P-€18k
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-6k ▼132%
Net result drops to €-6k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €18k ▲355%
Operating result €25k, net result €18k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Braine-le-Comte · 1 establishment unit since 2023
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.
Charly des Bois 1287090 Braine-le-ComteGround area
4,097 m²
Building footprint
213 m²
Parcel 55036A0286/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
LOVA CROC
since 20232.344.158.319
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55036A0286/00D000 | Wallonia | 4,097 m² | 1 · 213 m² | - |
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 siteBraine-le-Comte2.344.158.319
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Of 3,827 companies in sector 47210 we hold annual accounts for 966. 714 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2023
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47810Retail trade
46190Agents in non-specialised wholesale trade
46349Wholesale of beverages, general range
46389Wholesale of other food products
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.