Equity
€72,455 ▲ 27.4%
Lovial has made a profit without a break since 2022.
Lovial
Lifetime
6 annual accounts with figures on one time axispeak €49,500 (2020)
€29,079▼ 27.8%
lowest -€855 (2021)
€15,599▼ 36.6%
peak €72,455 (2025)
€72,455▲ 27.4%
€3,493▼ 85.1%
Board1 name since 2019
1 director
Documentsfilings and deeds
13-07-202618 days before the deadline
2025abbreviated format
Gross margin from €40,295 to €29,079Result from €24,585 to €15,599Equity from €56,856 to €72,455Debts from €23,376 to €3,493
Key points
from the 2025 annual accountsTurnover
≈ €87,000 estimated
The abbreviated format states no turnover.
Liquidity
15.74 was 2.26 in 2024
Short-term debts fell from €23,376 to €3,493.
Filings
6 annual accounts since 2020
The last five annual accounts were filed 17 to 40 days before the end of the period.
Starting capital
€5,000 1,000 shares
Position in the sector
95.4%
Higher solvency than 92% of companies in human health. Sector median 59.2% · 3,054 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as Lovial has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
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 26,972 companies, not a prediction for Lovial. 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
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Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0733590016
Incorporation
Founding capital of €5,000, 1,000 shares · Founder: · Appointment: (director) · published on 04-09-2019 · Gazette deed
First establishment
Hooiendonkstraat 46, Mechelen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Lovial Mechelen | €75,948 | €29,079 | 95.4% | - |
| GB Physio Leuven | €81,482 | €27,963 | 60.0% | - |
| KINE ARCOS-PIRUST Schaerbeek | €65,965 | €30,035 | 6.6% | 0.7 |
| Actief kinesisten Kalmthout | €89,431 | €33,152 | 54.4% | - |
| Kinesitherapeut Dirk Dockx Zoersel | €96,887 | €32,339 | 45.3% | - |
| KINETIKA Willebroek | €82,516 | €23,251 | 15.1% | - |
| Kine Liese Geerts Balen | €92,272 | €31,382 | 70.5% | - |
These companies have the same main activity as Lovial: physiotherapy (NACE 86951). They are comparable in size and age: total assets between €66,000 and €96,900, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 02-09-2019Normal situation
- Activity
- PhysiotherapyNACE 86951and 1 other
- Establishment unit
- 2.292.951.1282801 Mechelen, since 02-09-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 17-03-2026
Annual accounts 2025
- €75,948▼ 5.3%
- Filing
- Filed on 13-07-2026, 18 days before the end of the filing period
Insights on Lovial
Lovial files the abbreviated format. That format states no turnover. The gross margin fell from €49,500 in 2020 to €29,079 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 Lovial
- What is the company number of Lovial?
- The company number of Lovial is 0733.590.016. The VAT number is the same number with BE in front: BE 0733.590.016.
- Where is Lovial based?
- The registered office is at Hooiendonkstraat 46, 2801 Mechelen.Company details
- What does Lovial do?
- According to the KBO register, the main activity is physiotherapy (NACE 86951).
- What is the legal form of Lovial?
- Lovial is a private limited company (BV).
- When was Lovial founded?
- Lovial was founded on 02-09-2019.
- Is Lovial still active?
- Yes, Lovial is an active enterprise in the KBO register.
- What is the turnover of Lovial?
- The turnover in financial year 2025 is ≈ €87,000. This figure is estimated from the gross margin of €29,079 and 41 comparable companies (NACE 869). It probably lies between €62,000 and €110,000.Financials
- Is Lovial profitable?
- In financial year 2025, Lovial made a profit of €15,599.
- Where can I find the annual accounts of Lovial?
- Lovial filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Lovial due?
- Lovial must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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