LOYALTY - SERVICES and COMPUTING
ActiveSummary
LOYALTY - SERVICES and COMPUTING has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28,848 and a net result of -€568. Equity is shrinking by about 3.2% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
- Equity
- €28,848
- Loss
- -€568
- Christiane BAEKEVAN PETEGHEMDirector
Why 85raises riskLast filed accounts filed 31 days late; 3 of the last 3 latelowers riskFounded in 1991Size: total assets €30,198Equity €28,848 (95.5% of total assets)Show the evidence
Checked score
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 81% on solvency, 46% on liquidity, 23% on profitability and 38% on growth.
The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 55 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Weakest financial yearnet -€1,172
Financials · financial year 2025, micro format
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00507360.
2018 to 2025, 5 financial years 2018 to 2025, 5 financial years
The operating result stays negative: a loss of €770 in 2025 against €1,180 in 2024; the loss shrinks.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Use the arrow keys on the chart for the figures per year.
Peer companies
Historical observationOf the 12,322 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90.3% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,322 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2020 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | €122 | €242 | €141 | ▼ 41.9% |
| Gross operating margin9900 | -€278 | -€600 | -€1,133 | -€938 | -€629 | ▲ 32.9% |
| Operating profit (loss)9901 | -€448 | -€600 | -€1,255 | -€1,180 | -€770 | ▲ 34.8% |
| Financial income75/76B | - | €2,167 | €345 | €291 | €291 | = |
| Recurring financial income75 | - | €2,167 | €345 | €291 | €291 | = |
| Financial charges65/66B | - | - | €84 | €283 | €89 | ▼ 68.6% |
| Recurring financial charges65 | €16 | - | €84 | €283 | €89 | ▼ 68.6% |
| Profit (loss) for the period before taxes9903 | -€464 | €1,567 | -€994 | -€1,172 | -€568 | ▲ 51.6% |
| Profit (loss) for the period9904 | -€464 | €1,567 | -€994 | -€1,172 | -€568 | ▲ 51.6% |
| Profit (loss) for the period to be appropriated9905 | -€464 | €1,567 | -€994 | -€1,172 | -€568 | ▲ 51.6% |
| Line | 2018 | 2020 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €35,590 | €38,082 | €35,606 | €29,416 | €30,198 | ▲ 2.7% |
| Current assets29/58 | €35,590 | €38,082 | €35,606 | €29,416 | €30,198 | ▲ 2.7% |
| Amounts receivable after more than one year29 | - | €33,730 | €34,497 | €29,106 | €29,106 | = |
| Other amounts receivable291 | - | €33,730 | €34,497 | €29,106 | €29,106 | = |
| Amounts receivable within one year40/41 | €35,580 | €4,334 | €345 | €291 | €582 | ▲ 100% |
| Other amounts receivable41 | - | €4,334 | €345 | €291 | €582 | ▲ 100% |
| Cash at bank and in hand54/58 | €10 | €18 | €764 | €19 | €510 | ▲ 27× |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €35,590 | €38,082 | €35,606 | €29,416 | €30,198 | ▲ 2.7% |
| Equity10/15 | €35,590 | €38,082 | €35,606 | €29,416 | €28,848 | ▼ 1.9% |
| Contributions10/11 | €7,437 | €7,437 | €7,437 | €7,437 | €7,437 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | €26,294 | €28,786 | €26,310 | €20,120 | €19,552 | ▼ 2.8% |
| Amounts payable17/49 | - | - | - | - | €1,350 | - |
| Amounts payable within one year42/48 | - | - | - | - | €1,350 | - |
| Other amounts payable47/48 | - | - | - | - | €1,350 | - |
| Line | 2018 | 2020 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€464 | €1,567 | -€994 | -€1,172 | -€568 | ▲ 51.6% |
| Operating cash flow (approximation) | -€464 | €1,567 | -€994 | -€1,172 | -€568 | ▲ 51.6% |
| Change in cash | - | - | - | - | €491 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 31 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00507360 |
| 31-12-2024 | micro format | 30-10-2025 | 2025-00558937 |
| 31-12-2022 | micro format | 30-09-2023 | 2023-00476222 |
| 31-12-2020 | micro format | 22-04-2022 | 2022-20010997 |
| 31-12-2018 | micro format | 17-06-2019 | 2019-19200465 |
| 31-12-2017 | micro format | 11-07-2018 | 2018-31800383 |
| 31-12-2016 | micro format | 31-07-2017 | 2017-39300196 |
| 31-12-2015 | abbreviated format | 29-08-2016 | 2016-52300290 |
| 31-12-2014 | abbreviated format | 21-08-2015 | 2015-45100250 |
| 31-12-2013 | abbreviated format | 26-09-2014 | 2014-60500130 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Christiane BAEKEVAN PETEGHEM |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
19-01
Gazette deed
Resignation: Christiane BAEKEVAN PETEGHEM (manager)Appointment: Christiane BAEKEVAN PETEGHEM (director) · Director discharge · Board rule12 facts ▸
- Director resignation, Christiane BAEKEVAN PETEGHEM (manager)
- Director discharge, Christiane BAEKEVAN PETEGHEM
- Board rule, 1
- Director appointment, Christiane BAEKEVAN PETEGHEM (director (not named in the articles))
- Power of attorney
- Other provision, “stemming, alle voorgaande beslissingen met eenparigheid van stemmen genomen” (deed in Dutch)
- Other provision, “geldigheid algemene vergadering, geldig samengesteld” (deed in Dutch)
- Amendment of the articles (2 times)
- Capital conversion, “vormen en meerderheden statutenwijziging, opheffing statutair onbeschikbare eigenvermogensrekening” (deed in Dutch)
- Registered-office move, Germaine Declercqstraat 11 bus 0002,9800 Deinze
- Other provision, “statutentekst, comparanten verklaren statuten als volgt” (deed in Dutch)
- Capital
About the unread acts
Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there is voluntary.
What can you do?
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 25 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44011B0823/00D000 | Flanders | 5,387 m² | 1 · 1,486 m² | 7.2 m |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “De analyse en verwerking van data-transacties; De publiciteitsonderneming; De begeleiding en ontwikkeling van alle marketing en…” (deed in Dutch)
6 activities (deed in Dutch)
- De analyse en verwerking van data-transacties
- De publiciteitsonderneming
- De begeleiding en ontwikkeling van alle marketing en direct-marketing evenementen en tools
- De ontwikkeling en verkoop van softwareproducten
- De agentuur van verhuringsmaatschappijen
- De begeleiding en selectie bij computeraankoop
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- LOYALTY – SERVICES and COMPUTING
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- One provision in the deed
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- 2 provisions in the deed
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Share issue ruleHow and by whom new shares can be issued.
- “Inbreng in geld met uitgifte nieuwe aandelen-recht van voorkeur, dag openstelling intekening” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- “TITEL V. ALGEMENE VERGADERING Artikel 15. Organisatie en bijeenroeping Ieder jaar wordt een gewone algemene vergadering van aandeelhouders…” (deed in Dutch)
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Vormen vereist voor statutenwijziging, beslissing algemene vergadering” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Bij ontbinding om welke reden en op welk ogenblik ook, een of meerdere vereffenaars aanduiden,bevoegdheden omlijnen,vergoeding bepalen” (deed in Dutch)