LOYCO
ActiveLOYCO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €236k and a net result of €-2k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
short-term debt: 0% and cash: 33.8% of total assets, and 0% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
84 d early
2023
119 d early
2022
24 d late
2021
100 d early
2020
121 d early
2019
79 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€236k▼ 0.9%
2024 · €238k
2018: €152k
2019: €173k
2020: €189k
2021: €235k
2022: €245k
2023: €241k
2024: €238k
2018 → 2025
Total assets
€236k▼ 0.8%
2024 · €238k
2018: €231k
2019: €237k
2020: €262k
2021: €300k
2022: €251k
2023: €241k
2024: €238k
2018 → 2025
Net result
€-2k▲ 26.1%
2024 · €-3k
2018: €25k
2019: €30k
2020: €28k
2021: €46k
2022: €10k
2023: €-5k
2024: €-3k
2018 → 2025
Working capital
€80k▼ 2.2%
2024 · €82k
2018: €3k
2019: €15k
2020: €-10k
2021: €54k
2022: €88k
2023: €84k
2024: €82k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€235k-€245k▲ 4.2%€241k▼ 1.9%€238k▼ 1.1%€236k▼ 0.9%
Operating result€69k-€14k▼ 80.2%€-5k€-3k▲ 40.6%€-2k▲ 26.6%
Net result€46k-€10k▼ 78.7%€-5k€-3k▲ 40.4%€-2k▲ 26.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €3k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €236k
Fixed assets
€156k▼ 0.2%
Current assets
€80k▼ 2.1%
Equity and liabilities €236k
Equity
€236k▼ 0.9%
Debt
€99▲ 329%
The debt ratio stays at 0.0%.
Key figures and ratios
EBITDA
€-2k▲
2024 · €-2k
Cash flow
€-2k▲
2024 · €-2k
Solvency
100.0%=
2024 · 100.0%
Debt / equity
0.00▲
2024 · 0.00
ROE
-0.9%▲
2024 · -1.2%
ROA
-0.9%▲
2024 · -1.2%
Interest coverage
-36.84▲
2024 · -52.29
Debt
€99▲
2024 · €23
Debt ≤ 1 year
€99▲
2024 · €23
Income taxes
€0▼
2024 · €0
A ratio outside any meaningful range has been withheld (balance sheet total €236k, equity €236k).
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€238k€236k▼
Fixed assets21/28€156k€156k▼
Tangible fixed assets22/27€380€110▼
Furniture and vehicles24€0€0=
Other tangible fixed assets26€380€110▼
Financial fixed assets28€156k€156k=
Current assets29/58€82k€80k▼
Amounts receivable within one year40/41€168€21▼
Other amounts receivable41€168€21▼
Cash at bank and in hand54/58€81k€80k▼
Deferred charges and accrued income490/1€23€99▲
Equity and liabilities
Total equity and liabilities10/49€238k€236k▼
Equity10/15€238k€236k▼
Contributions10/11€19k€19k=
Reserves13€118k€118k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€116k€116k=
Profit (loss) carried forward14€101k€99k▼
Amounts payable17/49€23€99▲
Amounts payable within one year42/48€23€99▲
Trade debts44€23€99▲
Suppliers440/4€23€99▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€270€270=
Other operating charges640/8€387€400▲
Gross operating margin9900€-2k€-1k▲
Operating profit (loss)9901€-3k€-2k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€46€46=
Recurring financial charges65€46€46=
Profit (loss) for the period before taxes9903€-3k€-2k▲
Income taxes67/77€0€0▼
Profit (loss) for the period9904€-3k€-2k▲
Profit (loss) for the period to be appropriated9905€-3k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€101k€99k▼
Profit (loss) brought forward from the previous period14P€104k€101k▼
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 10current ratio 3517.96
Current ratio from 353.92 to 3517.96; short-term debt falls from €238 to €23.
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-5k ▼147%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 23current ratio 353.92
Current ratio from 15.45 to 353.92; short-term debt falls from €6k to €238.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Liquidity times 8current ratio 15.45
Current ratio from 1.84 to 15.45; short-term debt falls from €65k to €6k.
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €46k ▲65.4%
Operating result €69k, net result €46k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.84
Current ratio from 0.86 to 1.84; short-term debt falls from €73k to €65k.
31-12
Financial
Equity above €200kEq €235k ▲24.5%
4 profitable years in a row build equity to €235k.
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 39 days late
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, Namur · 1 establishment unit since 2013
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.
Place du Malpas(ML) 125020 NamurGround area
1,847 m²
Building footprint
280 m²
Volume, LiDAR
1,922 m³
Parcel 92082D0022/00K000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOYCO
since 20132.220.570.619
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92082D0022/00K000 | Wallonia | 1,847 m² | 1 · 280 m² | 8.7 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 82,570 companies in sector 70200 we hold annual accounts for 52,574. 39,158 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-03-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:loyen@skynet.be
Phone:0478/42 19 26