LOY TRANS

Active

Private limited companyfounded 20224 yrs activeColignonplein 46, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0787.998.997

The computed 12-month bankruptcy probability of LOY TRANS is 22.2% (high). The 2025 annual accounts show equity of €183k and a net result of €-24k. Its solvency ranks better than 49% of 4478 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).

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Checked score

Score 2025

58 / 100

Fair▼ -35 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-100

Solvency68▼-26

Growth32

Stability78

Bankruptcy probability, 12 months

22.2% High

0%0.5%1.5%4%10%≥ 25%

Credit up to €11k at 30 days acceptable

Liquidity tight (current ratio 1.4 against 1.73 in 2024), and 61.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Ten signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Recent warning signals

The last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.

Belgian State Gazette

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Ex-officio strike-off

The KBO struck this company off ex officio, which points to unmet obligations and often precedes a bankruptcy.

KBO publications

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 2025

Solvency, return and age of the figures

Solvency

38.1%

Return on assets

-5%

Age of the figures

18 mo

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-06-2025, 123 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

123 d early

2024

128 d early

← before the deadline after the deadline →

Administrative warnings in the KBO publications

2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.

KBO publications

Publications

Address struckAddress strikeout annulled

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close16-09-2026 today31-10-2026 deadline

Financials · fiscal year 2025, micro schema

Equity

€183k▼ 11.5%

2024 · €207k

2024: €207k

2024 → 2025

Total assets

€481k▲ 72.0%

2024 · €279k

2024: €279k

2024 → 2025

Net result

€-24k

2024 · €192k

2024: €192k

2024 → 2025

Working capital

€85k▲ 59.5%

2024 · €53k

2024: €53k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€207k-€183k▼ 11.5%

Operating result€192k-€-2k

Net result€192k-€-24k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €2k after €192k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €481k

37.9%

62.1%

Fixed assets €182k▲ 18.5%

Current assets €298k▲ 137%

Equity and liabilities €481k

38.1%

61.9%

Equity €183k▼ 11.5%

Debt €298k▲ 310%

The debt ratio rises from 26.0% to 61.9%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€46k▼

2024 · €231k

Cash flow

€23k▼

2024 · €230k

Solvency

38.1%▼

2024 · 74.0%

Current ratio

1.40▼

2024 · 1.73

Quick ratio

1.40▼

2024 · 1.73

Debt / equity

1.63▲

2024 · 0.35

ROE

-13.1%▼

2024 · 92.7%

ROA

-5.0%▼

2024 · 68.6%

Interest coverage

4.10▼

2024 · 410.12

Debt

€298k▲

2024 · €73k

Debt ≤ 1 year

€214k▲

2024 · €73k

Debt > 1 year

€84k

Income taxes

€11k

Staff costs

€1.03M▲

2024 · €269k

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€279k€481k▲

Fixed assets21/28€154k€182k▲

Tangible fixed assets22/27€154k€182k▲

Furniture and vehicles24€154k€182k▲

Current assets29/58€126k€298k▲

Amounts receivable within one year40/41€90k€218k▲

Trade receivables40€57k€199k▲

Other amounts receivable41€33k€18k▼

Cash at bank and in hand54/58€36k€81k▲

Equity and liabilities

Total equity and liabilities10/49€279k€481k▲

Equity10/15€207k€183k▼

Contributions10/11€15k€15k=

Capital10€15k€15k=

Issued capital100€15k€15k=

Profit (loss) carried forward14€192k€168k▼

Amounts payable17/49€73k€298k▲

Amounts payable after more than one year17-€84k

Financial debts170/4-€84k

Amounts payable within one year42/48€73k€214k▲

Current portion of amounts payable after more than one year42-€35k

Trade debts44€47k€178k▲

Suppliers440/4€47k€178k▲

Other amounts payable47/48€26k-

Income statement Code20242025

Remuneration, social security and pensions62€269k€1.03M▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€47k▲

Other operating charges640/8€26k€49k▲

Gross operating margin9900€526k€1.12M▲

Operating profit (loss)9901€192k€-2k▼

Financial income75/76B-€0

Recurring financial income75-€0

Financial charges65/66B€563€11k▲

Recurring financial charges65€563€11k▲

Profit (loss) for the period before taxes9903€192k€-13k▼

Income taxes67/77-€11k

Profit (loss) for the period9904€192k€-24k▼

Profit (loss) for the period to be appropriated9905€192k€-24k▼

Appropriation of the result

Profit (loss) to be appropriated9906€192k€168k▼

Profit (loss) brought forward from the previous period14P-€192k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Signals 2Filings 2

Next filing, fiscal year 2026, expected by 31-10-2026

2025

30-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

02-06

KBO administration Address strikeout annulled

16-05

KBO administration Address struck

2024

25-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

SignalNBB filing

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, Schaarbeek · 2 establishment units since 2023

establishment All 2 establishment units on the map

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.

Colignonplein 461030 Schaarbeek

Ground area

3,726 m²

Building footprint

3,130 m²

Volume, LiDAR

24,509 m³

3 parcels, Brussels, Flanders · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.

2 establishment units

LOY TRANS

Tweetorenstraat 40, 1210 Sint-Joost-ten-NodeFreight transport by road

since 20232.354.133.382

LOY TRANS

Hamburgstraat 1, 2030 AntwerpenFreight transport by road

since 20252.376.749.131

3 parcels

Flanders 1 (33.3%) Brussels 2 (66.7%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11807G1682/00D000	Flanders	3,560 m²	1 · 3,013 m²	12.2 m · 3 fl.
21910E0168/00V002	Brussels	88 m²	1 · 66 m²	16.6 m · 5 fl.
21572C0016/00S003	Brussels	77 m²	1 · 51 m²	17.8 m · 5 fl.