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LOVINOS

Active
Public limited companyfounded 198541 yrs activeArthur Van Ooststraat 26, 3290 Diest, BelgiumKBO/BCE: BE 0427.791.477
Summary

LOVINOS has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €276,077 and a net result of €15,183. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 12918 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
LOVINOSActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of wines and spirits
NACE 46341
1 site
Size
€321,817total assets 2025
Equity
€276,077
Profit
€15,183
Turnover not published (abridged schema)
Financial health
96 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Board
2 members
Accounts 51 d early1 of 5 deeds read
Why 96+ Liquidity: current ratio 37.41, cash €162,916+ Equity €276,077 (85.8% of total assets)+ Founded in 1985+ Figures for FY 2025 (filed 13-06-2026)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 70% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 85.8% of total assets
Liquidity 100=
short-term debt 2.6% · cash 50.6%
Profitability 49-26
return on assets 4.7%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.4% (26,775 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%▼ -3.2% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%● 0.0% vs 03-2025 05-2025: < 0.1%▲ +3.3% vs 04-2025 06-2025: < 0.1%▲ +6.5% vs 05-2025highest value 07-2025: < 0.1%▼ -15.2% vs 06-2025lowest value 08-2025: < 0.1%● 0.0% vs 07-2025lowest value 09-2025: < 0.1%● 0.0% vs 08-2025lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%▲ +3.6% vs 03-2026 05-2026: < 0.1%▲ +3.4% vs 04-2026 06-2026: < 0.1%▲ +10.0% vs 05-2026highest value 07-2026: < 0.1%▼ -9.1% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%● 0.0% vs 09-2026
  • Liquidity: current ratio 37.41, cash €162,916 lowers the probability
  • Equity €276,077 (85.8% of total assets) lowers the probability
  • Founded in 1985 lowers the probability for this profile
  • Figures for FY 2025 (filed 13-06-2026) lowers the probability
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 37.41 against 76.11 in 2024; short-term debt: 2.6% and cash: 50.6% of total assets), and 14.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 90%, liquidity 98%, profitability 38%, growth against the median 56%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 37.41, cash €162,916
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €276,077 (85.8% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1985
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Figures for FY 2025 (filed 13-06-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
51 d early
2024
49 d early
2023
43 d early
2022
13 d early
2021
45 d early
2020
39 d early
2019
22 d 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 37 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 16 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Appointments: Lodewyckx August (director) and Lodewyckx…State Gazette act
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Among the best 14% on solvencysector median 41.8% · 12,918 companies 85.8% View
  • Positive: Always filed on timeaccounts within the deadline every year 7 years View
  • Positive: 7 profitable years in a rowprofit 2025: €15,183 7 years View

By topic

Financials

Fiscal year
2025
Total assets
€321,817
Profit
€15,183
Solvency
85.8%
Total assets▲ 5.5%
Net result
20182025
Go to Financials

Timeline

Events
17
Since
2017
Next accounts
by 31-07-2027
  1. 10-06-2026Annual accounts filed
  2. 09-04-2026Appointments: Lodewyckx August (director) and Lodewyckx Gunther…
  3. 12-06-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Wholesale of wines and spiritsNACE 46341
Founded
01-10-1985
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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