LOYA
ActiveLOYA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €15k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 37% of 7683 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency76▲+15
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.42 against 2.03 in 2024), but 65.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
34.3%
Return on assets
10.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
on the day
2023
47 d late
2022
31 d late
2021
31 d late
2020
40 d late
2019
31 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€178k
EBIT margin
2.2%
Net result
€15k▲ 15.3%
2024 · €13k
2018: €-3k
2019: €11k
2020: €-5k
2021: €2k
2022: €-5k
2023: €-2k
2024: €13k
2018 → 2025
Working capital
€58k▲ 40.3%
2024 · €41k
2018: €16k
2019: €39k
2020: €37k
2021: €41k
2022: €27k
2023: €28k
2024: €41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€28k▼ 15.8%€26k▼ 6.8%€36k▲ 37.4%€51k▲ 43.1%
Operating result€6k-€-2k€1k€22k▲ 1,403%€25k▲ 12.8%
Net result€2k-€-5k€-2k▲ 63.5%€13k€15k▲ 15.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 13% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €148k
Fixed assets
€50k▼ 13.3%
Current assets
€98k▲ 21.1%
Equity and liabilities €148k
Equity
€51k▲ 43.1%
Debt
€97k▼ 5.7%
The debt ratio falls from 74.4% to 65.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€33k▲
2024 · €31k
Cash flow
€23k▲
2024 · €22k
Solvency
34.3%▲
2024 · 25.6%
Current ratio
2.42▲
2024 · 2.03
Quick ratio
2.42▲
2024 · 2.03
Debt / equity
1.91▼
2024 · 2.91
ROE
30.1%▼
2024 · 37.4%
ROA
10.3%▲
2024 · 9.6%
Interest coverage
8.51▼
2024 · 9.93
Debt
€97k▼
2024 · €103k
Debt ≤ 1 year
€40k▲
2024 · €40k
Debt > 1 year
€57k▼
2024 · €63k
Income taxes
€6k▲
2024 · €6k
Staff costs
€39k▲
2024 · €39k
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€139k€148k▲
Fixed assets21/28€58k€50k▼
Tangible fixed assets22/27€58k€50k▼
Land and buildings22€53k€48k▼
Plant, machinery and equipment23€35-
Furniture and vehicles24€4k€3k▼
Current assets29/58€81k€98k▲
Amounts receivable within one year40/41€31k€47k▲
Trade receivables40€31k€47k▲
Other amounts receivable41€175€5▼
Cash at bank and in hand54/58€49k€50k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€139k€148k▲
Equity10/15€36k€51k▲
Contributions10/11€12k€12k=
Reserves13€23k€23k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14-€15k
Amounts payable17/49€103k€97k▼
Amounts payable after more than one year17€63k€57k▼
Financial debts170/4€63k€57k▼
Amounts payable within one year42/48€40k€40k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€23k€26k▲
Taxes450/3€17k€22k▲
Remuneration and social security454/9€6k€3k▼
Other amounts payable47/48€4k€4k▲
Accrued charges and deferred income492/3€416-
Income statement
Code20242025
Remuneration, social security and pensions62€39k€39k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€71k€74k▲
Operating profit (loss)9901€22k€25k▲
Financial income75/76B-€85
Recurring financial income75-€85
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€19k€21k▲
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€13k€15k▲
Profit (loss) for the period to be appropriated9905€13k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€15k▲
Profit (loss) brought forward from the previous period14P€-10k-
Transfer from equity791/2€4k-
Transfer to equity691/2€3k-
To the legal reserve6920€3k-
Profit to be distributed694/7€4k-
Return on contributions (dividend)694€4k-
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €15k ▲15.3%
Operating result €25k, net result €15k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 47 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 40 days late
2020
31-12
Financial
Weakest financial yearnet €-5k ▼149%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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 · 1 establishment unit since 2012
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.
Kerkhofstraat 562840 RumstGround area
934 m²
Building footprint
143 m²
Volume, LiDAR
882 m³
Parcel 11037B0351/00W004, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
loya
since 20122.215.024.692
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11037B0351/00W004 | Flanders | 934 m² | 1 · 143 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,807 companies in sector 73110 we hold annual accounts for 3,724. 2,982 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-12-2012
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
82300Organisation of conventions and trade shows
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.