ONDER DE LOEP
ActiveONDER DE LOEP has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €5k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 41% of 3481 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+11
Solvency66▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.8 against 0.65 in 2024; short-term debt: 33.4% and cash: 9.4% of total assets), and 58.9% 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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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
41.1%
Return on assets
2.7%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 25-06-2026, 36 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
36 d early
2024
9 d early
2023
33 d early
2022
21 d early
2021
2 d early
2020
1 d early
2019
42 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▲ 7.1%
2024 · €75k
2018: €30k
2019: €64k
2020: €107k
2021: €97k
2022: €98k
2023: €87k
2024: €75k
2018 → 2025
Total assets
€196k▲ 2.5%
2024 · €191k
2018: €58k
2019: €90k
2020: €137k
2021: €132k
2022: €186k
2023: €221k
2024: €191k
2018 → 2025
Net result
€5k
2024 · €-12k
2018: €18k
2019: €34k
2020: €43k
2021: €20k
2022: €826
2023: €-10k
2024: €-12k
2018 → 2025
Working capital
€-13k▲ 32.7%
2024 · €-19k
2018: €27k
2019: €62k
2020: €102k
2021: €78k
2022: €20k
2023: €-23k
2024: €-19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€98k▲ 0.9%€87k▼ 10.7%€75k▼ 13.6%€81k▲ 7.1%
Operating result€27k-€6k▼ 79.2%€-4k€-9k▼ 118%€4k
Net result€20k-€826▼ 95.9%€-10k€-12k▼ 14.0%€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €196k
Fixed assets
€144k▼ 7.5%
Current assets
€52k▲ 46.1%
Equity and liabilities €196k
Equity
€81k▲ 7.1%
Debt
€116k▼ 0.4%
The debt ratio falls from 60.6% to 58.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36k▲
2024 · €21k
Cash flow
€37k▲
2024 · €19k
Solvency
41.1%▲
2024 · 39.4%
Current ratio
0.80▲
2024 · 0.65
Quick ratio
0.78▲
2024 · 0.65
Debt / equity
1.43▼
2024 · 1.54
ROE
6.6%▲
2024 · -15.8%
ROA
2.7%▲
2024 · -6.2%
Interest coverage
23.07▲
2024 · 10.57
Debt
€116k▼
2024 · €116k
Debt ≤ 1 year
€65k▲
2024 · €55k
Debt > 1 year
€50k▼
2024 · €60k
Income taxes
€2k▲
2024 · €508
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€191k€196k▲
Fixed assets21/28€156k€144k▼
Tangible fixed assets22/27€156k€144k▼
Land and buildings22€116k€116k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€29k€17k▼
Other tangible fixed assets26€5k€7k▲
Financial fixed assets28€40€40=
Current assets29/58€36k€52k▲
Stocks and contracts in progress3-€2k
Stocks30/36-€2k
Amounts receivable within one year40/41€28k€29k▲
Trade receivables40€26k€28k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€5k€18k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€191k€196k▲
Equity10/15€75k€81k▲
Contributions10/11€19k€19k=
Reserves13€57k€62k▲
Distributable reserves133€57k€62k▲
Amounts payable17/49€116k€116k▼
Amounts payable after more than one year17€60k€50k▼
Financial debts170/4€60k€50k▼
Amounts payable within one year42/48€55k€65k▲
Current portion of amounts payable after more than one year42€11k€10k▼
Trade debts44€12k€6k▼
Suppliers440/4€12k€6k▼
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€8k€11k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€24k€39k▲
Accrued charges and deferred income492/3€774€75▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€32k▲
Other operating charges640/8€905€861▼
Gross operating margin9900€22k€37k▲
Operating profit (loss)9901€-9k€4k▲
Financial income75/76B€1€5k▲
Recurring financial income75€1€5k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-11k€8k▲
Income taxes67/77€508€2k▲
Profit (loss) for the period9904€-12k€5k▲
Profit (loss) for the period to be appropriated9905€-12k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€5k▲
Transfer from equity791/2€12k€0▼
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (12 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
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €43k ▲26.5%
Operating result €56k, net result €43k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲67.3%
3 profitable years in a row build equity to €107k.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Sint-Gillis-Waas · 1 establishment unit since 2018
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.
Loeverstraat(SGW) 289170 Sint-Gillis-WaasGround area
2,040 m²
Building footprint
396 m²
Volume, LiDAR
1,757 m³
Parcel 46020C0771/00B000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ONDER DE LOEP
since 20182.277.594.642
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46020C0771/00B000 | Flanders | 2,040 m² | 1 · 395 m² | 7.5 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 288 EUR awarded · 266 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 288 EUR | 266 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,567 companies in sector 74999 we hold annual accounts for 1,938. 1,564 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-2018
Fiscal year end31-12
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
71112Activities of interior architects
74201Photography, excluding press photography
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.