VAN LOO
ActiveSummary
VAN LOO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €366k and a net result of €82k. Equity is shrinking by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (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
Profitability85▲+44
Solvency83▲+12
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.23 against 0.12 in 2024; short-term debt: 39.1% and cash: 3.1% of total assets), and 42.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
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
57.7%
Return on assets
12.9%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €366k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-01-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
on the day
2023
2 d early
2022
46 d early
2021
46 d early
2020
45 d early
2019
42 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€366k▲ 28.8%
2024 · €284k
2019: €475k
2020: €497k
2021: €528k
2022: €562k
2023: €267k
2024: €284k
2019 → 2025
Total assets
€636k▲ 3.0%
2024 · €617k
2019: €657k
2020: €670k
2021: €648k
2022: €653k
2023: €622k
2024: €617k
2019 → 2025
Net result
€82k▲ 382%
2024 · €17k
2019: €34k
2020: €22k
2021: €31k
2022: €34k
2023: €48k
2024: €17k
2019 → 2025
Working capital
€-193k▲ 33.5%
2024 · €-290k
2019: €-112k
2020: €-83k
2021: €11k
2022: €26k
2023: €-291k
2024: €-290k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€528k-€562k▲ 6.4%€267k▼ 52.4%€284k▲ 6.4%€366k▲ 28.8%
Operating result€46k-€48k▲ 5.0%€72k▲ 49.2%€44k▼ 39.5%€134k▲ 209%
Net result€31k-€34k▲ 7.6%€48k▲ 41.1%€17k▼ 64.3%€82k▲ 382%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 209% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €636k
Fixed assets
€580k ▲ 0.5%
Current assets
€56k ▲ 39.4%
Equity and liabilities €636k
Equity
€366k ▲ 28.8%
Debt
€269k ▼ 19.0%
Debt's share of the balance-sheet total falls from 53.9% to 42.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€135k▲
2024 · €44k
Cash flow
€83k▲
2024 · €18k
Current ratio
0.23▲
2024 · 0.12
Debt to equity
0.73▼
2024 · 1.17
ROE
22.4%▲
2024 · 6.0%
ROA
12.9%▲
2024 · 2.8%
Interest coverage
7.21▲
2024 · 2.28
Debt ≤ 1 year
€249k▼
2024 · €330k
Income taxes
€34k▲
2024 · €7k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€617k€636k▲
Fixed assets21/28€577k€580k▲
Tangible fixed assets22/27€311€3k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€311€2k▲
Financial fixed assets28€576k€576k=
Current assets29/58€40k€56k▲
Amounts receivable within one year40/41€14k€34k▲
Trade receivables40€6k-
Other amounts receivable41€8k€34k▲
Cash at bank and in hand54/58€24k€20k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€617k€636k▲
Equity10/15€284k€366k▲
Contributions10/11€6k€6k=
Reserves13€278k€360k▲
Distributable reserves133€278k€360k▲
Amounts payable17/49€332k€269k▼
Amounts payable within one year42/48€330k€249k▼
Current portion of amounts payable after more than one year42€17k-
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€6k€10k▲
Taxes450/3€6k€9k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€305k€238k▼
Accrued charges and deferred income492/3€2k€20k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€632€700▲
Other operating charges640/8€1k€905▼
Gross operating margin9900€45k€136k▲
Operating profit (loss)9901€44k€134k▲
Financial charges65/66B€19k€19k▼
Recurring financial charges65€19k€19k▼
Profit (loss) for the period before taxes9903€24k€116k▲
Income taxes67/77€7k€34k▲
Profit (loss) for the period9904€17k€82k▲
Profit (loss) for the period to be appropriated9905€17k€82k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€82k▲
Transfer to equity691/2€17k€82k▲
To other reserves6921€17k€82k▲
The notes to these accounts (6 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
15-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €82k ▲382%
Operating result €134k, net result €82k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €17k ▼64.3%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
16-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
16-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Liquidity triplescurrent ratio 1.23
Current ratio from 0.46 to 1.23; short-term debt falls from €155k to €48k.
30-06
Financial
Equity above €500kEq €528k ▲6.3%
3 profitable years in a row build equity to €528k.
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
18-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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 1998
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.
Dorpskring(LUB) 103210 LubbeekGround area
1,825 m²
Building footprint
202 m²
Volume, LiDAR
1,281 m³
Parcel 24066H0140/00Z000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dorpskring(LUB) 10, 3210 Lubbeek
since 19982.089.572.020
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066H0140/00Z000 | Flanders | 1,825 m² | 1 · 202 m² | 9.6 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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STELLA HAVERIS MANAGEMENT
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Eestermans Associates
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AIJY
BE 0794.856.305
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 36,920 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
Founded06-11-1998
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.