LOVELEEN
ActiveLOVELEEN has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €-1k. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 70% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
70
/ 100
Healthy▼ -16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-32
Solvency98▼-1
Growth68=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.28 against 2.71 in 2024), and 41.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
41 d late
2023
203 d late
2022
123 d late
2021
23 d late
2020
38 d late
2019
22 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€669k▲ 43.6%
2018 · €466k
2018: €466k
2018 → 2019
EBIT margin
0.6%▼ 5.8pp
2018 · 6.4%
2018: 6.4%
2018 → 2019
Net result
€-1k
2024 · €8k
2018: €31k
2019: €6k
2020: €11k
2021: €15k
2022: €19k
2023: €20k
2024: €8k
2018 → 2025
Working capital
€108k▲ 1.7%
2024 · €106k
2018: €34k
2019: €38k
2020: €51k
2021: €64k
2022: €83k
2023: €115k
2024: €106k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€100k▲ 24.1%€120k▲ 20.4%€128k▲ 6.8%€127k▼ 1.0%
Operating result€23k-€19k▼ 14.0%€11k▼ 43.4%€19k▲ 71.7%€-3k
Net result€15k-€19k▲ 27.2%€20k▲ 5.1%€8k▼ 59.8%€-1k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €19k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €218k
Fixed assets
€25k▼ 18.7%
Current assets
€193k▲ 14.4%
Equity and liabilities €218k
Equity
€127k▼ 1.0%
Debt
€91k▲ 27.9%
The debt ratio rises from 35.6% to 41.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€5k▼
2024 · €26k
Cash flow
€6k▼
2024 · €16k
Solvency
58.4%▼
2024 · 64.4%
Current ratio
2.28▼
2024 · 2.71
Quick ratio
1.37▼
2024 · 1.50
Debt / equity
0.71▲
2024 · 0.55
ROE
-1.0%▼
2024 · 6.4%
ROA
-0.6%▼
2024 · 4.1%
Interest coverage
6.20▼
2024 · 20.62
Debt
€91k▲
2024 · €71k
Debt ≤ 1 year
€85k▲
2024 · €62k
Debt > 1 year
€1k▼
2024 · €8k
Income taxes
€1k▼
2024 · €11k
Staff costs
€236
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€199k€218k▲
Fixed assets21/28€31k€25k▼
Tangible fixed assets22/27€29k€23k▼
Plant, machinery and equipment23€6k€8k▲
Furniture and vehicles24€23k€15k▼
Financial fixed assets28€2k€2k=
Current assets29/58€169k€193k▲
Stocks and contracts in progress3€75k€77k▲
Stocks30/36€75k€77k▲
Amounts receivable within one year40/41€75k€102k▲
Trade receivables40€3k€40k▲
Other amounts receivable41€72k€62k▼
Cash at bank and in hand54/58€18k€14k▼
Deferred charges and accrued income490/1€750-
Equity and liabilities
Total equity and liabilities10/49€199k€218k▲
Equity10/15€128k€127k▼
Contributions10/11€6k€6k=
Reserves13€10k€10k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€112k€111k▼
Amounts payable17/49€71k€91k▲
Amounts payable after more than one year17€8k€1k▼
Financial debts170/4€8k€1k▼
Amounts payable within one year42/48€62k€85k▲
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€40k€76k▲
Suppliers440/4€40k€76k▲
Taxes, remuneration and social security45€16k€2k▼
Taxes450/3€11k€2k▼
Remuneration and social security454/9€5k-
Accrued charges and deferred income492/3€909€5k▲
Income statement
Code20242025
Non-recurring operating income76A-€704
Remuneration, social security and pensions62-€236
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€30k€8k▼
Operating profit (loss)9901€19k€-3k▼
Financial income75/76B€1k€4k▲
Recurring financial income75€1k€4k▲
Financial charges65/66B€1k€798▼
Recurring financial charges65€1k€798▼
Profit (loss) for the period before taxes9903€19k€124▼
Income taxes67/77€11k€1k▼
Profit (loss) for the period9904€8k€-1k▼
Profit (loss) for the period to be appropriated9905€8k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€120k€111k▼
Profit (loss) brought forward from the previous period14P€112k€112k=
Transfer to equity691/2€8k-
To other reserves6921€8k-
The notes to these accounts (8 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-1k ▼115%
Net result drops to €-1k, the lowest in the series.
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
19-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 203 days late
2023
31-12
Financial
Equity above €100kEq €120k ▲20.4%
6 profitable years in a row build equity to €120k.
01-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 123 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
07-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 38 days late
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 14 days late
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Rumst · 2 establishment units since 2013
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.
Eikenstraat 62840 RumstGround area
1,378 m²
Building footprint
327 m²
Volume, LiDAR
2,348 m³
2 parcels, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Loveleen
since 20132.224.038.071
Eikenstraat 62, 2840 Rumst
since 20172.268.694.990
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036B0242/00B002 | Flanders | 1,090 m² | 1 · 168 m² | 10.2 m · 3 fl. |
| 11036B0250/00R000 | Flanders | 288 m² | 1 · 158 m² | 10.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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
Food safety, FASFC
2 sitesRumst2.224.038.071
Rumst2.268.694.990
Similar companies · same sector, comparable size
Brood & Kaasspeciaalzaak Rik & Nathalie
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GHAZNIWAL
BE 0757.608.602
Antwerpen · Eq €127k
A la Ferme
BE 0401.744.009
Nivelles · Eq €127k
JURTAN
BE 0649.758.656
Dendermonde · Eq €127k
MERCAT
BE 0450.442.462
La Louvière · Eq €127k
Of 10,409 companies in sector 47110 we hold annual accounts for 5,787. 4,495 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-11-2013
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.