Lovi-Construct
ActiveSummary
The computed 12-month bankruptcy probability of Lovi-Construct is 2.1% (moderate). The 2025 annual accounts show equity of €6,094 and a net result of -€3,906. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability33
Solvency28
Growth-
Track record67
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 4.05; short-term debt: 24.7% and cash: 0.3% of total assets), but 97.2% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
2.8%
Return on assets
-1.8%
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 24-07-2026, 7 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
7 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, micro schema
Equity
€6,094
Total assets
€217,877
Net result
-€3,906
Working capital
€164,084
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €217,877
Equity
€6,094
Debt
€211,783
Debt finances 97.2% of the balance-sheet total.
Key figures and ratios
Current ratio
4.05
Quick ratio
0.30
Debt to equity
34.75
ROE
-64.1%
ROA
-1.8%
Debt ≤ 1 year
€53,793
Debt > 1 year
€157,990
Annual accounts
| Line | 2025 |
|---|---|
| Other operating charges640/8 | €731 |
| Gross operating margin9900 | -€3,140 |
| Operating profit (loss)9901 | -€3,870 |
| Financial charges65/66B | €36 |
| Recurring financial charges65 | €36 |
| Profit (loss) for the period before taxes9903 | -€3,906 |
| Profit (loss) for the period9904 | -€3,906 |
| Profit (loss) for the period to be appropriated9905 | -€3,906 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €217,877 | |
| Current assets29/58 | €217,877 | |
| Stocks and contracts in progress3 | €201,681 | |
| Stocks30/36 | €201,681 | |
| Cash at bank and in hand54/58 | €557 | |
| Deferred charges and accrued income490/1 | €15,638 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €217,877 | |
| Equity10/15 | €6,094 | |
| Contributions10/11 | €10,000 | |
| Profit (loss) carried forward14 | -€3,906 | |
| Amounts payable17/49 | €211,783 | |
| Amounts payable after more than one year17 | €157,990 | |
| Financial debts170/4 | €157,990 | |
| Amounts payable within one year42/48 | €53,793 | |
| Trade debts44 | €46,043 | |
| Suppliers440/4 | €46,043 | |
| Other amounts payable47/48 | €7,750 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€3,906 |
| Operating cash flow (approximation) | -€3,906 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Roeselare · 1 establishment unit since 2024
Ground area
643 m²
Building footprint
104 m²
Volume, LiDAR
641 m³
Parcel 36505B0351/00Z000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lovi-Construct
since 20242.367.462.271
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36505B0351/00Z000 | Flanders | 643 m² | 1 · 104 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded18-10-2024
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.