LOYD
ActiveLOYD has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €537k and a net result of €4k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 17% of 820 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-4
Solvency36▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 0.99 in 2024; short-term debt: 44.6% and cash: 3.2% of total assets), but 89.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
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
10.6%
Return on assets
0.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 820 sector peers (2025).
NBB · sector comparisonPosition among 820 sector peers
Solvency
better than 17%
← weakest
strongest →
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
9 d early
2023
22 d early
2022
11 d early
2021
32 d early
2020
22 d early
2019
25 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k▲ 658%
2024 · €566
2018: €10k
2019: €47k
2020: €4k
2021: €6k
2022: €6k
2023: €5k
2024: €566
2018 → 2025
Working capital
€1.81M
2024 · €-84k
2018: €593k
2019: €477k
2020: €550k
2021: €-23k
2022: €391k
2023: €281k
2024: €-84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€522k-€527k▲ 1.1%€532k▲ 1.0%€533k▲ 0.1%€537k▲ 0.8%
Operating result€47k-€66k▲ 40.1%€34k▼ 47.9%€61k▲ 77.6%€65k▲ 6.2%
Net result€6k-€6k▼ 5.4%€5k▼ 9.6%€566▼ 88.9%€4k▲ 658%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.08M
Fixed assets
€1.01M▼ 1.6%
Current assets
€4.07M▼ 63.9%
Equity and liabilities €5.08M
Equity
€537k▲ 0.8%
Debt
€4.54M▼ 61.4%
The debt ratio falls from 95.7% to 89.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€142k▼
2024 · €163k
Cash flow
€81k▼
2024 · €103k
Solvency
10.6%▲
2024 · 4.3%
Current ratio
1.80▲
2024 · 0.99
Quick ratio
0.90▲
2024 · 0.15
Debt / equity
8.45▼
2024 · 22.08
ROE
0.8%▲
2024 · 0.1%
ROA
0.1%▲
2024 · 0.0%
Interest coverage
1.92▼
2024 · 2.38
Debt
€4.54M▼
2024 · €11.76M
Debt ≤ 1 year
€2.27M▼
2024 · €11.36M
Debt > 1 year
€2.18M▲
2024 · €391k
Income taxes
€2k▼
2024 · €7k
Staff costs
€192k▼
2024 · €203k
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€12.30M€5.08M▼
Fixed assets21/28€1.02M€1.01M▼
Intangible fixed assets21€6k€3k▼
Tangible fixed assets22/27€1.01M€993k▼
Land and buildings22€947k€905k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€30k€24k▼
Leasing and similar rights25€26k€61k▲
Financial fixed assets28€11k€11k=
Current assets29/58€11.27M€4.07M▼
Amounts receivable after more than one year29€181k€471k▲
Other amounts receivable291€181k€471k▲
Stocks and contracts in progress3€9.56M€2.03M▼
Stocks30/36€9.56M€2.03M▼
Amounts receivable within one year40/41€1.31M€1.39M▲
Trade receivables40€1.27M€1.33M▲
Other amounts receivable41€36k€62k▲
Cash at bank and in hand54/58€209k€161k▼
Deferred charges and accrued income490/1€19k€19k▼
Equity and liabilities
Total equity and liabilities10/49€12.30M€5.08M▼
Equity10/15€533k€537k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€471k€476k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€465k€470k▲
Amounts payable17/49€11.76M€4.54M▼
Amounts payable after more than one year17€391k€2.18M▲
Financial debts170/4€391k€2.18M▲
Amounts payable within one year42/48€11.36M€2.27M▼
Current portion of amounts payable after more than one year42€67k€71k▲
Financial debts43€0€263k▲
Credit institutions430/8€0€263k▲
Trade debts44€891k€1.44M▲
Suppliers440/4€891k€1.44M▲
Advances received on contracts in progress46€8.48M€0▼
Taxes, remuneration and social security45€92k€141k▲
Taxes450/3€61k€113k▲
Remuneration and social security454/9€31k€28k▼
Other amounts payable47/48€1.83M€347k▼
Accrued charges and deferred income492/3€16k€95k▲
Income statement
Code20242025
Non-recurring operating income76A€0€4k▲
Remuneration, social security and pensions62€203k€192k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€102k€77k▼
Other operating charges640/8€30k€16k▼
Gross operating margin9900€396k€349k▼
Operating profit (loss)9901€61k€65k▲
Financial income75/76B€15k€16k▲
Recurring financial income75€15k€16k▲
Financial charges65/66B€69k€74k▲
Recurring financial charges65€69k€74k▲
Profit (loss) for the period before taxes9903€8k€7k▼
Income taxes67/77€7k€2k▼
Profit (loss) for the period9904€566€4k▲
Profit (loss) for the period to be appropriated9905€566€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€566€4k▲
Transfer to equity691/2€566€4k▲
To other reserves6921€566€4k▲
Social balance
Average headcount (FTE)90873.02.4▼
The notes to these accounts (29 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €566 ▼88.9%
Net result drops to €566, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €47k ▲364%
Operating result €79k, net result €47k, both a record.
31-12
Financial
Equity above €500kEq €512k ▲10.1%
2 profitable years in a row build equity to €512k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-06-2022
Jan De Wildeman: Resigned as Managing director
01-07-2021
WILMOT: Resigned as Managing director
30-10-2020
GRAPHICOMP: Resigned as Managing director
30-10-2020
GRAPHICOMP: Resigned as Director
05-12-2018
DOSSCHE Michaël: Resigned as Director
Location & real-estate footprint
Registered office, Boortmeerbeek · 1 establishment unit since 1994
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.
Fabrieksweg 133190 BoortmeerbeekGround area
2.2 ha
Building footprint
2,355 m²
Volume, LiDAR
13,129 m³
Parcel 24014B0116/00H003, Flanders · tallest building 15.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOYD
since 19942.067.313.488
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24014B0116/00H003 | Flanders | 2.2 ha | 1 · 2,355 m² | 15.2 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.
Structure & network
Connections & network
5 connected companiesNetwork connections
Shared address
→
Shared address
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Shared address
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Shared address
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Show 1 more network connections
Shared address
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Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 10,638 EUR awarded · 9,809 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 7,500 EUR | 6,525 EUR |
| 2024 | 2 | 1,742 EUR | 1,704 EUR |
| 2023 | 1 | 955 EUR | 1,139 EUR |
| 2022 | 1 | 441 EUR | 441 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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TOTAL DECONTAMINATION GROUP
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BE 0477.484.478
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CENTRALE GENERALE RENOVE
BE 0412.692.141
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DEVABO
BE 0424.169.815
Waregem · Eq €538k
VETRABO
BE 0440.559.647
Sint-Gillis-Waas · Eq €537k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 8,942 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-04-1994
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.