Lovanium Holding
ActiveLovanium Holding has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €964k and a net result of €53k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-13
Solvency81▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity short (current ratio 0.07 against 0.03 in 2024; short-term debt: 37.4% and cash: 0% of total assets), and 43.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 2025Solvency, return and age of the figures
Solvency
56.3%
Return on assets
3.1%
Age of the figures
9 mo
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 12-06-2026, 49 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
49 d early
2024
37 d early
2023
36 d early
2022
25 d early
2021
44 d early
2020
39 d early
2019
50 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€964k▲ 5.8%
2024 · €911k
2018: €594k
2019: €602k
2020: €636k
2021: €679k
2022: €732k
2023: €784k
2024: €911k
2018 → 2025
Total assets
€1.71M▲ 0.7%
2024 · €1.70M
2018: €1.68M
2019: €1.66M
2020: €1.67M
2021: €1.66M
2022: €1.66M
2023: €1.67M
2024: €1.70M
2018 → 2025
Net result
€53k▼ 58.2%
2024 · €127k
2018: €47k
2019: €9k
2020: €33k
2021: €43k
2022: €53k
2023: €52k
2024: €127k
2018 → 2025
Working capital
€-592k▲ 3.9%
2024 · €-616k
2018: €-512k
2019: €-553k
2020: €-569k
2021: €-577k
2022: €-574k
2023: €-576k
2024: €-616k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€679k-€732k▲ 7.8%€784k▲ 7.1%€911k▲ 16.2%€964k▲ 5.8%
Operating result€101k-€105k▲ 3.8%€103k▼ 1.8%€210k▲ 104%€97k▼ 53.7%
Net result€43k-€53k▲ 22.2%€52k▼ 1.8%€127k▲ 145%€53k▼ 58.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.71M
Fixed assets
€1.67M▼ 0.9%
Current assets
€48k▲ 129%
Equity and liabilities €1.71M
Equity
€964k▲ 5.8%
Debt
€749k▼ 5.2%
The debt ratio falls from 46.4% to 43.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€112k▼
2024 · €212k
Cash flow
€68k▼
2024 · €129k
Solvency
56.3%▲
2024 · 53.6%
Current ratio
0.07▲
2024 · 0.03
Quick ratio
0.07▲
2024 · 0.03
Debt / equity
0.78▼
2024 · 0.87
ROE
5.5%▼
2024 · 14.0%
ROA
3.1%▼
2024 · 7.5%
Interest coverage
5.12▼
2024 · 7.79
Debt
€749k▼
2024 · €790k
Debt ≤ 1 year
€640k▲
2024 · €637k
Debt > 1 year
€70k▼
2024 · €138k
Income taxes
€22k▼
2024 · €56k
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€1.70M€1.71M▲
Fixed assets21/28€1.68M€1.67M▼
Tangible fixed assets22/27€28k€13k▼
Furniture and vehicles24€28k€13k▼
Financial fixed assets28€1.65M€1.65M=
Current assets29/58€21k€48k▲
Amounts receivable within one year40/41€14k€22k▲
Other amounts receivable41€14k€22k▲
Cash at bank and in hand54/58€2k€137▼
Deferred charges and accrued income490/1€5k€25k▲
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.71M▲
Equity10/15€911k€964k▲
Contributions10/11€509k€509k=
Reserves13€402k€455k▲
Distributable reserves133€402k€455k▲
Amounts payable17/49€790k€749k▼
Amounts payable after more than one year17€138k€70k▼
Financial debts170/4€138k€70k▼
Amounts payable within one year42/48€637k€640k▲
Current portion of amounts payable after more than one year42€54k€18k▼
Trade debts44€22k€21k▼
Suppliers440/4€22k€21k▼
Taxes, remuneration and social security45€42k€20k▼
Taxes450/3€42k€20k▼
Other amounts payable47/48€519k€582k▲
Accrued charges and deferred income492/3€15k€38k▲
Income statement
Code20242025
Non-recurring operating income76A€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€15k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€213k€114k▼
Operating profit (loss)9901€210k€97k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€27k€22k▼
Recurring financial charges65€27k€22k▼
Profit (loss) for the period before taxes9903€183k€75k▼
Income taxes67/77€56k€22k▼
Profit (loss) for the period9904€127k€53k▼
Profit (loss) for the period to be appropriated9905€127k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€127k€53k▼
Transfer to equity691/2€127k€53k▼
To other reserves6921€127k€53k▼
The notes to these accounts (11 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €127k ▲145%
Operating result €210k, net result €127k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €9k ▼81.6%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Leuven
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.
Galgebergstraat 413000 LeuvenGround area
2.2 ha
Building footprint
2,400 m²
Volume, LiDAR
17,290 m³
Parcel 24505I0032/00V000, Flanders · tallest building 13.9 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24505I0032/00V000 | Flanders | 2.2 ha | 1 · 2,400 m² | 13.9 m · 2 fl. |
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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 28,244 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.