Turnover
≈ €44,000 estimated
The accounts state no turnover.
LOVALL
Lifetime
16 annual accounts with figures on one time axispeak €32,008 (2015)
€9,938▼ 40.7%
lowest -€11,990 (2020)
€2,934▼ 28.2%
peak €75,451 (2019)
€72,632▲ 4.2%
€14,299▼ 3.9%
Board1 name since 2009
1 directorJanssen Patricia
Documentsfilings and deeds
08-08-20268 days late
2025abbreviated format
Gross margin from €16,751 to €9,938Result from €4,084 to €2,934
Key points
from the 2025 annual accountsFilings
16 annual accounts since 2010
Ten of the last ten came late. The 2019 accounts came latest: 61 days after the end of the period.
Position in the sector
83.6%
Higher solvency than 84% of companies in office administrative support. Sector median 41.3% · 2,831 companies.
Checked score
96
Excellent
Financially stronger than 67% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025highest value
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 6.33, cash €73,354
Equity €72,632 (83.6% of total assets)
Sector: Office administrative, office support and other business support activities (NACE 82)
Founded in 2009
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 88% of them on solvency, 91% on liquidity, 43% on profitability and 48% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 10,904 companies had the same profile as LOVALL has now. Each dot stands for 28 companies, two years later.
95.1%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of LOVALL itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 10,904 companies, not a prediction for LOVALL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.33 (5.87 in 2024), above the usual 1.5. Short-term debt is 15.3% and cash 84.4% of total assets. 16.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €72,632
raises risk · 2025 accounts filed 8 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-08-2026, 8 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
8 days late
2024
12 days late
2023
19 days late
2022
20 days late
2021
11 days late
2020
29 days late
2019
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 23 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0820916443
Incorporation
published on 07-12-2009 · Gazette deed
First establishment
Ranonkellaan 11, Koksijde
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LOVALL Koksijde | €86,932 | €9,938 | 83.6% | - |
| Easy Admin Edegem | €78,744 | €11,161 | 89.2% | - |
| ADB DECO Lasne | €80,121 | €8,684 | 15.0% | - |
| DARE & DO CONSULTING Lasne | €86,013 | €7,885 | 41.1% | - |
| YVO-SERVICES Sint-Laureins | €97,600 | €12,483 | 25.1% | - |
| LCS Dream Braine-l'Alleud | €107,477 | €11,002 | 16.1% | - |
| Sea Desk Heusden-Zolder | €113,762 | €8,769 | 25.8% | - |
These companies have the same main activity as LOVALL: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €78,700 and €114,000, founded between 2010 and 2011.
Official details
Source: KBO- Status
- Active since 26-11-2009Normal situation
- Activity
- Office administrative and support servicesNACE 82100and 4 others
- Establishment unit
- 2.183.296.4878670 Koksijde, since 26-11-2009
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Insights on LOVALL
LOVALL files the abbreviated format. That format states no turnover. The gross margin fell from €22,289 in 2010 to €9,938 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LOVALL
- What is the company number of LOVALL?
- The company number of LOVALL is 0820.916.443. The VAT number is the same number with BE in front: BE 0820.916.443.
- Where is LOVALL based?
- The registered office is at Ranonkellaan 11, 8670 Koksijde.Company details
- What does LOVALL do?
- According to the KBO register, the main activity is office administrative and support services (NACE 82100).
- What is the legal form of LOVALL?
- LOVALL is a private limited company (pre-2019) (BVBA).
- When was LOVALL founded?
- LOVALL was founded on 26-11-2009.
- Is LOVALL still active?
- Yes, LOVALL is an active enterprise in the KBO register.
- What is the turnover of LOVALL?
- The turnover in financial year 2025 is ≈ €44,000. This figure is estimated from the gross margin of €9,938 and 67 comparable companies (NACE 82100). It probably lies between €22,000 and €96,000. It is a rough estimate.Financials
- Is LOVALL profitable?
- In financial year 2025, LOVALL made a profit of €2,934.
- Where can I find the annual accounts of LOVALL?
- LOVALL filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LOVALL due?
- LOVALL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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