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LOVANI

Active
Private limited companyfounded 1995active for 31 yearsPereboomstraat 20, 3000 Leuven, BelgiumKBO/BCE: BE 0455.475.277
Summary

LOVANI has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €315,630 and a net result of €20,488. Equity is growing by about 9.6% per year across the filed financial years. Its solvency ranks better than 17% of 12,626 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Activity
Other retail sale of food
NACE 47279
1 site
Size
€5.1mtotal assets 2025
Equity
€315,630
Profit
€20,488
Turnover not published (abbreviated format)
Financial health
83 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Structure
Holdings
1
Accounts 107 days early1 of 3 deeds read
Why 83raises riskLiquidity: current ratio 0.02, cash €13,195, halvedEquity €315,630 (6.2% of total assets)lowers riskSize: total assets €5.1mFounded in 1995Show the evidence

Checked score

Score 2025
83 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 39% of its sector peers (NACE 47, small)
Financial strength · tick = 2024
Weak
Solvency 31+1
equity 6.2% of total assets
Liquidity 43-2
short-term debt 21.9% · cash 0.3%
Profitability 48+5
return on assets 0.4%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,694 companies, NACE 47, small)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.3%▲ +0.1 percentage points vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.2%▼ -0.1 percentage points vs 06-2025lowest value 08-2025: 0.2%● unchanged vs 07-2025lowest value 09-2025: 0.2%● unchanged vs 08-2025lowest value 10-2025: 0.2%● unchanged vs 09-2025lowest value 11-2025: 0.2%● unchanged vs 10-2025lowest value 12-2025: 0.2%● unchanged vs 11-2025lowest value 01-2026: 0.2%● unchanged vs 12-2025lowest value 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.4%▲ +0.2 percentage points vs 04-2026highest value 06-2026: 0.4%● unchanged vs 05-2026highest value 07-2026: 0.4%● unchanged vs 06-2026highest value 08-2026: 0.4%● unchanged vs 07-2026highest value 09-2026: 0.4%● unchanged vs 08-2026highest value 10-2026: 0.4%● unchanged vs 09-2026
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.02, compared with 0.04 in 2024, below 1; short-term debt: 21.9% and cash: 0.3% of total assets), and 93.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, small): better than 17% on solvency, 49% on liquidity, 31% on profitability and 59% on growth.

The bankruptcy probability was computed on 21-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 0.02, cash €13,195, halved
NBB · annual accounts
lowers risk · Size: total assets €5.1m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 1995
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Equity €315,630 (6.2% of total assets)
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 12626 sector peers (2025).
NBB · sector comparison
Position among 12626 sector peers
Solvency
better than 17%
← weakest strongest →
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 15-04-2026, 107 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
107 days early
2024
41 days early
2023
126 days early
2022
20 days early
2021
32 days early
2020
93 days early
2019
45 days early
← 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 66 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% 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 20 June (4 of the last 5 filed years within 66 days of that day).
Companies Code · seven months
Where today falls in the filing period
22-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · abbreviated…
  3. Back to profitnet €23,169

Key points

  • Caution: Among the weakest 18% on solvencysector median 36.7% · 12,626 companies 6.2% View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Active since 1995founded 03-07-1995 31 years View

By topic

Financials

Financial year
2025
Total assets
€5.1m
Profit
€20,488
Solvency
6.2%
Total assets▼ 4.8%
Net result
20182025
Go to Financials

Timeline

Events
35
Since
1997
Next accounts
by 31-07-2027
  1. 01-07-2024Legal-form change · Resignations & appointments
  2. 27-03-2024Annual accounts filed
  3. 11-07-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other retail sale of foodNACE 47279
Founded
03-07-1995
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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