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LoVaGo

Active
Private limited companyfounded 20251 yr activeEikenlaan 37, 3910 Pelt, BelgiumKBO/BCE: BE 1028.091.320
Summary

LoVaGo has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4,612 and a net result of €1,445. Its solvency ranks better than 29% of 16718 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes
Profitability82
Solvency60
Growth-
Track record67
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
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Signals

Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
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 10-07-2026, 21 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
21 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 24 September 2025, LoVaGo was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€4,612
Total assets
€13,161
Net result
€1,445
Working capital
€2,005

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Equity and liabilities €13,161
Equity €4,612
Debt €8,549
Debt finances 65.0% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€2,244
Cash flow
€1,693
Current ratio
1.26
Debt to equity
1.85
ROE
31.3%
ROA
11.0%
Interest coverage
97.88
Debt ≤ 1 year
€7,815
Income taxes
€538

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.6%
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 74% 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 11,279 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
Filed annual accounts As filed with the NBB · 2025 · 34 lines
Balance sheet Code2025
Assets
Total assets20/58€13,161
Formation expenses20€3,341
Current assets29/58€9,820
Cash at bank and in hand54/58€5,356
Deferred charges and accrued income490/1€4,465
Equity and liabilities
Total equity and liabilities10/49€13,161
Equity10/15€4,612
Contributions10/11€4,000
Reserves13€612
Distributable reserves133€612
Amounts payable17/49€8,549
Amounts payable within one year42/48€7,815
Taxes, remuneration and social security45€6,015
Taxes450/3€1,915
Remuneration and social security454/9€4,100
Other amounts payable47/48€1,800
Accrued charges and deferred income492/3€734
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€248
Other operating charges640/8€422
Gross operating margin9900€2,666
Operating profit (loss)9901€1,997
Financial income75/76B€9
Recurring financial income75€9
Financial charges65/66B€23
Recurring financial charges65€23
Profit (loss) for the period before taxes9903€1,983
Income taxes67/77€538
Profit (loss) for the period9904€1,445
Profit (loss) for the period to be appropriated9905€1,445
Appropriation of the result
Profit (loss) to be appropriated9906€1,445
Transfer to equity691/2€612
To other reserves6921€612
Profit to be distributed694/7€833
Return on contributions (dividend)694€833

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€248
Other operating charges640/8€422
Gross operating margin9900€2,666
Operating profit (loss)9901€1,997
Financial income75/76B€9
Recurring financial income75€9
Financial charges65/66B€23
Recurring financial charges65€23
Profit (loss) for the period before taxes9903€1,983
Income taxes67/77€538
Profit (loss) for the period9904€1,445
Profit (loss) for the period to be appropriated9905€1,445
Line2025
Assets
Total assets20/58€13,161
Formation expenses20€3,341
Current assets29/58€9,820
Cash at bank and in hand54/58€5,356
Deferred charges and accrued income490/1€4,465
Equity and liabilities
Total equity and liabilities10/49€13,161
Equity10/15€4,612
Contributions10/11€4,000
Reserves13€612
Distributable reserves133€612
Amounts payable17/49€8,549
Amounts payable within one year42/48€7,815
Taxes, remuneration and social security45€6,015
Taxes450/3€1,915
Remuneration and social security454/9€4,100
Other amounts payable47/48€1,800
Accrued charges and deferred income492/3€734
Line2025
Profit (loss) for the period9904€1,445
+ Depreciation and write-downs630€248
Operating cash flow (approximation)€1,693

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
10-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Pelt · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
1,472 m²
Building footprint
325 m²
Volume, LiDAR
2,259 m³
2 parcels, Flanders · tallest building 20.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LoVaGo
Nevenplein 30, 3950 BocholtGeneral medical practice
since 20252.379.770.383
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72362C0909/00H000 Flanders 762 m² 1 · 146 m² 8.4 m · 2 fl.
72016B0113/00T002 Flanders 710 m² 1 · 179 m² 20.2 m · 3 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.

Recognitions · licences · registrations

Legal Entity Identifier

64882MVD53QN1M7F9761
live in the LEI register

Similar companies · same sector, comparable size

Of 9,128 companies in sector 86210 we hold annual accounts for 6,335. 1,323 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
Founded24-09-2025
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
E-invoicing
Reachable via Peppol
Peppol ID 0208:1028091320
Registered 30-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.