LOYD Projects
Active2 interim measuresSummary
The file of LOYD Projects contains 2 interim measures, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 5.6% (elevated). The 2025 annual accounts show equity of €23k and a net result of €454k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 12% of 2179 sector peers (fiscal year 2025).
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+82
Solvency26▲+7
Growth58▲+26
Track record80
Bankruptcy probability, 12 months
5.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.42 against 2.14 in 2024; short-term debt: 70.3% and cash: 0.1% of total assets), and 98.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven 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 · 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
1.4%
Return on assets
27%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 2179 sector peers (2025).
NBB · sector comparisonPosition among 2179 sector peers
Solvency
better than 12%
← 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
17 d early
2021
30 d early
2020
15 d early
2019
14 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€23k
2024 · €-430k
2018: €80k
2019: €83k
2020: €118k
2021: €126k
2022: €139k
2023: €153k
2024: €-430k
2018 → 2025
Total assets
€1.68M▼ 77.7%
2024 · €7.55M
2018: €2.99M
2019: €5.18M
2020: €7.22M
2021: €2.20M
2022: €3.03M
2023: €10.79M
2024: €7.55M
2018 → 2025
Net result
€454k
2024 · €-584k
2018: €427
2019: €3k
2020: €35k
2021: €8k
2022: €13k
2023: €14k
2024: €-584k
2018 → 2025
Working capital
€499k▼ 87.6%
2024 · €4.03M
2018: €974k
2019: €4.27M
2020: €5.63M
2021: €1.01M
2022: €1.63M
2023: €6.30M
2024: €4.03M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€126k-€139k▲ 10.3%€153k▲ 10.3%€-430k€23k
Operating result€-9k-€-9k▲ 2.5%€17k€-476k€469k
Net result€8k-€13k▲ 65.5%€14k▲ 9.5%€-584k€454k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €469k after a loss of €476k in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €1.68M
Equity
€23k
Debt
€1.66M
Debt finances 98.6% of the balance-sheet total.
Key figures and ratios
Current ratio
1.42▼
2024 · 2.14
Quick ratio
0.28▼
2024 · 0.31
Debt to equity
70.60▲
2024 · -18.55
ROA
27.0%▲
2024 · -7.7%
Debt ≤ 1 year
€1.18M▼
2024 · €3.52M
Debt > 1 year
€474k▲
2024 · €0
A ratio outside any meaningful range has been withheld (balance sheet total €1.68M, equity €23k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7.55M€1.68M▼
Current assets29/58€7.55M€1.68M▼
Stocks and contracts in progress3€6.45M€1.35M▼
Stocks30/36€6.45M€1.35M▼
Amounts receivable within one year40/41€734k€328k▼
Trade receivables40€156k€178k▲
Other amounts receivable41€578k€150k▼
Cash at bank and in hand54/58€361k€2k▼
Deferred charges and accrued income490/1€5k€0▼
Equity and liabilities
Total equity and liabilities10/49€7.55M€1.68M▼
Equity10/15€-430k€23k▲
Contributions10/11€50k€50k=
Reserves13€103k€103k=
Distributable reserves133€103k€103k=
Profit (loss) carried forward14€-584k€-130k▲
Amounts payable17/49€7.98M€1.66M▼
Amounts payable after more than one year17€0€474k▲
Financial debts170/4€0€474k▲
Amounts payable within one year42/48€3.52M€1.18M▼
Current portion of amounts payable after more than one year42€41k€143k▲
Financial debts43€1.38M€0▼
Credit institutions430/8€1.38M€0▼
Trade debts44€2.11M€923k▼
Suppliers440/4€2.11M€923k▼
Taxes, remuneration and social security45€0€39k▲
Taxes450/3€0€39k▲
Other amounts payable47/48€0€77k▲
Accrued charges and deferred income492/3€4.46M€2k▼
Income statement
Code20242025
Non-recurring operating income76A-€68k
Other operating charges640/8€4k€11k▲
Gross operating margin9900€-472k€480k▲
Operating profit (loss)9901€-476k€469k▲
Financial income75/76B€5k€7k▲
Recurring financial income75€5k€7k▲
Financial charges65/66B€113k€22k▼
Recurring financial charges65€113k€22k▼
Profit (loss) for the period before taxes9903€-584k€454k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-584k€454k▲
Profit (loss) for the period to be appropriated9905€-584k€454k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-584k€-130k▲
Profit (loss) brought forward from the previous period14P-€-584k
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (8 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 · abbreviated schema
07-04
Interim measure
Provisional administrator
Ondernemingsrechtbank Gent · event 31-03-2026
30-03
Interim measure
Provisional administrator
Ondernemingsrechtbank Gent
2025
31-12
Financial
Back to profitnet €454k
Net result €454k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-584k
Net result drops to €-584k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €150kEq €153k ▲10.3%
6 profitable years in a row build equity to €153k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €100kEq €118k ▲41.9%
3 profitable years in a row build equity to €118k.
Show earlier events
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity triplescurrent ratio 5.71
Current ratio from 1.69 to 5.71; short-term debt falls from €1.41M to €907k.
18-07
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
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts
We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
12 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, Boortmeerbeek · 1 establishment unit since 2013
Ground 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.
13
companies at this address
See who is registered here
1 establishment unit
SMART BUILDING INVEST PLUS
since 20132.221.568.630
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.
Similar companies · same sector, comparable size
VISION CONSTRUCTION
BE 0724.587.228
Brussel · Eq €23,476
ISEKO
BE 1007.624.815
Anderlecht · Eq €23,484
DEVOLDER BART
BE 0550.803.711
Brugge · Eq €23,468
VMBF
BE 0790.678.276
Schoten · Eq €23,468
HOUZZ
BE 0633.689.122
Walhain · Eq €23,464
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,941 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2013
Fiscal year end31-12
Abbreviation NL
SBI +
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.