LOYENS WOUTER
ActiveSummary
LOYENS WOUTER has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €182k and a net result of €44k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 63% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability87▼-2
Solvency83▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 2.93 in 2023; short-term debt: 34.3% and cash: 48.6% of total assets), and 41.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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
not confirmed
2024
30 d late
2023
21 d late
2022
27 d late
2021
31 d late
2020
27 d late
2019
28 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€182k▼ 2.8%
2023 · €187k
2018: €86klowest in 7 years
2019: €135k▲ +58.1% vs 2018
2020: €136k▲ +0.1% vs 2019
2021: €151k▲ +11.3% vs 2020
2022: €146k▼ -3.2% vs 2021
2023: €187k▲ +28.2% vs 2022highest in 7 years
2024: €182k▼ -2.8% vs 2023
2018 → 2024
Total assets
€312k▼ 5.3%
2023 · €329k
2018: €237klowest in 7 years
2019: €312k▲ +31.7% vs 2018
2020: €265k▼ -15.0% vs 2019
2021: €297k▲ +11.9% vs 2020
2022: €324k▲ +9.0% vs 2021
2023: €329k▲ +1.6% vs 2022highest in 7 years
2024: €312k▼ -5.3% vs 2023
2018 → 2024
Net result
€44k▼ 17.9%
2023 · €54k
2018: €13k
2019: €50k▲ +280% vs 2018
2020: €117▼ -99.8% vs 2019lowest in 7 years
2021: €15k▲ +12936% vs 2020
2022: €60k▲ +291% vs 2021highest in 7 years
2023: €54k▼ -9.1% vs 2022
2024: €44k▼ -17.9% vs 2023
2018 → 2024
Working capital
€161k▼ 16.6%
2023 · €193k
2018: €-12klowest in 7 years
2019: €21k▲ +278% vs 2018
2020: €181k▲ +757% vs 2019
2021: €182k▲ +1.0% vs 2020
2022: €173k▼ -5.2% vs 2021
2023: €193k▲ +11.6% vs 2022highest in 7 years
2024: €161k▼ -16.6% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€136k-€151k▲ 11.3%€146k▼ 3.2%€187k▲ 28.2%€182k▼ 2.8%
2020: €136klowest in 5 years
2021: €151k▲ +11.3% vs 2020
2022: €146k▼ -3.2% vs 2021
2023: €187k▲ +28.2% vs 2022highest in 5 years
2024: €182k▼ -2.8% vs 2023
Operating result€4k-€27k▲ 650%€88k▲ 226%€78k▼ 11.9%€60k▼ 22.8%
2020: €4klowest in 5 years
2021: €27k▲ +650% vs 2020
2022: €88k▲ +226% vs 2021highest in 5 years
2023: €78k▼ -11.9% vs 2022
2024: €60k▼ -22.8% vs 2023
Net result€117-€15k▲ 12,936%€60k▲ 291%€54k▼ 9.1%€44k▼ 17.9%
2020: €117lowest in 5 years
2021: €15k▲ +12936% vs 2020
2022: €60k▲ +291% vs 2021highest in 5 years
2023: €54k▼ -9.1% vs 2022
2024: €44k▼ -17.9% vs 2023
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 23% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €312k
Fixed assets
€44k ▲ 21.0%
Current assets
€268k ▼ 8.6%
Equity and liabilities €312k
Equity
€182k ▼ 2.8%
Debt
€130k ▼ 8.7%
Debt's share of the balance-sheet total falls from 43.2% to 41.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€74k▼
2023 · €91k
Cash flow
€58k▼
2023 · €68k
Current ratio
2.50▼
2023 · 2.93
Debt to equity
0.71▼
2023 · 0.76
ROE
24.5%▼
2023 · 29.0%
ROA
14.3%▼
2023 · 16.5%
Interest coverage
32.46▲
2023 · 30.47
Debt ≤ 1 year
€107k▲
2023 · €100k
Debt > 1 year
€23k▼
2023 · €42k
Income taxes
€18k▼
2023 · €21k
Staff costs
€61k▲
2023 · €60k
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 · 2024 against 2023 · 58 lines
Balance sheet
Code20232024
Assets
Total assets20/58€329k€312k▼
Fixed assets21/28€36k€44k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€36k€44k▲
Land and buildings22€6k€5k▼
Plant, machinery and equipment23€20k€24k▲
Furniture and vehicles24€9k€15k▲
Current assets29/58€293k€268k▼
Amounts receivable after more than one year29€88k€0▼
Other amounts receivable291€88k€0▼
Amounts receivable within one year40/41€33k€5k▼
Trade receivables40€19k€2k▼
Other amounts receivable41€14k€3k▼
Current investments50/53-€92k
Cash at bank and in hand54/58€150k€151k▲
Deferred charges and accrued income490/1€22k€20k▼
Equity and liabilities
Total equity and liabilities10/49€329k€312k▼
Equity10/15€187k€182k▼
Contributions10/11€6k€6k=
Reserves13€181k€176k▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€179k€176k▼
Profit (loss) carried forward14€117€117=
Amounts payable17/49€142k€130k▼
Amounts payable after more than one year17€42k€23k▼
Financial debts170/4€42k€23k▼
Amounts payable within one year42/48€100k€107k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Financial debts43€231€2k▲
Credit institutions430/8€231€2k▲
Trade debts44€35k€29k▼
Suppliers440/4€35k€29k▼
Taxes, remuneration and social security45€30k€3k▼
Taxes450/3€28k€3k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€17k€53k▲
Income statement
Code20232024
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€60k€61k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€152k€137k▼
Operating profit (loss)9901€78k€60k▼
Financial income75/76B€620€4k▲
Recurring financial income75€620€4k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€75k€62k▼
Income taxes67/77€21k€18k▼
Profit (loss) for the period9904€54k€44k▼
Profit (loss) for the period to be appropriated9905€54k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€45k▼
Profit (loss) brought forward from the previous period14P€117€117=
Transfer from equity791/2€13k€50k▲
Transfer to equity691/2€54k€44k▼
To other reserves6921€54k€44k▼
Profit to be distributed694/7€13k€50k▲
Return on contributions (dividend)694€13k€50k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €200 | €82 | €0 | - | - |
| Remuneration, social security and pensions62 | - | €48k | €56k | €60k | €61k | ▲ 1.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €13k | €15k | €14k | €14k | ▲ 1.2% |
| Other operating charges640/8 | - | €4k | €873 | €1k | €3k | ▲ 140% |
| Gross operating margin9900 | €76k | €92k | €159k | €152k | €137k | ▼ 10.0% |
| Operating profit (loss)9901 | €4k | €27k | €88k | €78k | €60k | ▼ 22.8% |
| Financial income75/76B | - | €1k | €206 | €620 | €4k | ▲ 607% |
| Recurring financial income75 | €1k | €1k | €206 | €620 | €4k | ▲ 607% |
| Financial charges65/66B | - | €8k | €4k | €3k | €2k | ▼ 24.2% |
| Recurring financial charges65 | €4k | €6k | €4k | €3k | €2k | ▼ 24.2% |
| Non-recurring financial charges66B | - | €2k | €0 | - | - | - |
| Profit (loss) for the period before taxes9903 | €512 | €20k | €85k | €75k | €62k | ▼ 17.5% |
| Income taxes67/77 | €395 | €5k | €25k | €21k | €18k | ▼ 16.5% |
| Profit (loss) for the period9904 | €117 | €15k | €60k | €54k | €44k | ▼ 17.9% |
| Profit (loss) for the period to be appropriated9905 | €117 | €15k | €60k | €54k | €44k | ▼ 17.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €265k | €297k | €324k | €329k | €312k | ▼ 5.3% |
| Fixed assets21/28 | €31k | €47k | €33k | €36k | €44k | ▲ 21.0% |
| Intangible fixed assets21 | €1k | €894 | €447 | €0 | - | - |
| Tangible fixed assets22/27 | €30k | €46k | €33k | €36k | €44k | ▲ 21.0% |
| Land and buildings22 | - | €9k | €8k | €6k | €5k | ▼ 21.0% |
| Plant, machinery and equipment23 | - | €26k | €19k | €20k | €24k | ▲ 16.3% |
| Furniture and vehicles24 | - | €11k | €6k | €9k | €15k | ▲ 59.2% |
| Current assets29/58 | €234k | €250k | €290k | €293k | €268k | ▼ 8.6% |
| Amounts receivable after more than one year29 | - | €88k | €88k | €88k | €0 | ▼ 100% |
| Other amounts receivable291 | - | €88k | €88k | €88k | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €24k | €11k | €68k | €33k | €5k | ▼ 85.1% |
| Trade receivables40 | - | €661 | €66k | €19k | €2k | ▼ 91.6% |
| Other amounts receivable41 | - | €10k | €2k | €14k | €3k | ▼ 76.7% |
| Current investments50/53 | - | - | - | - | €92k | - |
| Cash at bank and in hand54/58 | €114k | €136k | €111k | €150k | €151k | ▲ 0.8% |
| Deferred charges and accrued income490/1 | - | €15k | €23k | €22k | €20k | ▼ 6.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €265k | €297k | €324k | €329k | €312k | ▼ 5.3% |
| Equity10/15 | €136k | €151k | €146k | €187k | €182k | ▼ 2.8% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €129k | €144k | €140k | €181k | €176k | ▼ 2.9% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €0 | ▼ 100% |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €0 | ▼ 100% |
| Distributable reserves133 | - | €143k | €138k | €179k | €176k | ▼ 1.9% |
| Profit (loss) carried forward14 | €117 | €117 | €117 | €117 | €117 | = |
| Amounts payable17/49 | €130k | €146k | €178k | €142k | €130k | ▼ 8.7% |
| Amounts payable after more than one year17 | €76k | €78k | €60k | €42k | €23k | ▼ 45.6% |
| Financial debts170/4 | - | €78k | €60k | €42k | €23k | ▼ 45.6% |
| Amounts payable within one year42/48 | €54k | €68k | €117k | €100k | €107k | ▲ 6.8% |
| Current portion of amounts payable after more than one year42 | - | €18k | €18k | €18k | €19k | ▲ 3.6% |
| Financial debts43 | - | - | €449 | €231 | €2k | ▲ 789% |
| Credit institutions430/8 | - | - | €449 | €231 | €2k | ▲ 789% |
| Trade debts44 | €17k | €28k | €27k | €35k | €29k | ▼ 15.0% |
| Suppliers440/4 | - | €28k | €27k | €35k | €29k | ▼ 15.0% |
| Taxes, remuneration and social security45 | - | €17k | €48k | €30k | €3k | ▼ 89.5% |
| Taxes450/3 | - | €15k | €46k | €28k | €3k | ▼ 88.7% |
| Remuneration and social security454/9 | - | €2k | €2k | €2k | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €7k | €24k | €17k | €53k | ▲ 216% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €117 | €15k | €60k | €54k | €44k | ▼ 17.9% |
| + Depreciation and write-downs630 | €9k | €13k | €15k | €14k | €14k | ▲ 1.2% |
| Operating cash flow (approximation) | €9k | €29k | €74k | €68k | €58k | ▼ 14.1% |
| Investment in fixed assets (approximation) | - | €-29k | €-1k | €-16k | €-21k | ▼ 31.2% |
| Change in cash | - | €22k | €-25k | €39k | €1k | ▼ 96.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Equity above €150kEq €187k ▲28.2%
6 profitable years in a row build equity to €187k.
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
31-12
Financial
Highest result since 2018net €60k ▲291%
Operating result €88k, net result €60k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €150kEq €151k ▲11.3%
4 profitable years in a row build equity to €151k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €117 ▼99.8%
Net result drops to €117, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 4.36
Current ratio from 1.24 to 4.36; short-term debt falls from €88k to €54k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
31-12
Financial
Equity above €100kEq €135k ▲58.1%
2 profitable years in a row build equity to €135k.
Show earlier events
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Lubbeek · 1 establishment unit since 2006
Ground area
2,529 m²
Building footprint
168 m²
Volume, LiDAR
103 m³
Parcel 24090A0023/00L002, Flanders · tallest building 9.2 m. Linked by address, not a title deed.
1 establishment unit
Loyens Wouter
since 20062.157.915.250
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24090A0023/00L002 | Flanders | 2,529 m² | 1 · 168 m² | 9.2 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 548 EUR awarded · 374 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 348 EUR | 174 EUR |
| 2023 | 1 | 200 EUR | 200 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,018 companies in sector 43320 we hold annual accounts for 9,132. 7,495 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-11-2006
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43320Joinery installation
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43310Plastering work
43331Floor and wall tiling
Scores and ratios are computed by Checked and are not a credit decision.