VAN LOOVEREN
ActiveVAN LOOVEREN has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €146k and a net result of €20k. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 44% of 7331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-12
Solvency63▼-18
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 2.26 in 2024; short-term debt: 62.3% and cash: 4.6% of total assets), but 62.3% 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 · 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 · 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
37.7%
Return on assets
5.2%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
29 d late
2023
7 d early
2022
5 d early
2021
2 d early
2020
18 d late
2019
26 d late
← 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, micro schema
Equity
€146k▲ 3.6%
2024 · €141k
2018: €57k
2019: €94k
2020: €104k
2021: €120k
2022: €126k
2023: €132k
2024: €141k
2018 → 2025
Total assets
€387k▲ 53.6%
2024 · €252k
2018: €154k
2019: €175k
2020: €236k
2021: €242k
2022: €265k
2023: €289k
2024: €252k
2018 → 2025
Net result
€20k▼ 17.2%
2024 · €24k
2018: €5k
2019: €37k
2020: €10k
2021: €31k
2022: €21k
2023: €21k
2024: €24k
2018 → 2025
Working capital
€146k▲ 3.6%
2024 · €141k
2018: €57k
2019: €80k
2020: €93k
2021: €113k
2022: €122k
2023: €132k
2024: €141k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€120k-€126k▲ 5.2%€132k▲ 4.4%€141k▲ 7.0%€146k▲ 3.6%
Operating result€38k-€25k▼ 34.8%€23k▼ 6.0%€29k▲ 24.2%€22k▼ 22.0%
Net result€31k-€21k▼ 30.9%€21k▼ 3.1%€24k▲ 18.1%€20k▼ 17.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €387k
Equity
€146k▲ 3.6%
Debt
€241k▲ 117%
The debt ratio rises from 44.2% to 62.3%. Equity and debt are higher.
Key figures and ratios
Solvency
37.7%▼
2024 · 55.8%
Current ratio
1.60▼
2024 · 2.26
Quick ratio
0.22▼
2024 · 0.49
Debt / equity
1.66▲
2024 · 0.79
ROE
13.8%▼
2024 · 17.2%
ROA
5.2%▼
2024 · 9.6%
Debt
€241k▲
2024 · €111k
Debt ≤ 1 year
€241k▲
2024 · €111k
Income taxes
€2k▼
2024 · €4k
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€252k€387k▲
Current assets29/58€252k€387k▲
Stocks and contracts in progress3€197k€335k▲
Contracts in progress37€197k€335k▲
Amounts receivable within one year40/41€29k€35k▲
Trade receivables40€27k€35k▲
Other amounts receivable41€2k-
Cash at bank and in hand54/58€26k€18k▼
Equity and liabilities
Total equity and liabilities10/49€252k€387k▲
Equity10/15€141k€146k▲
Contributions10/11€19k€19k=
Reserves13€108k€113k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€106k€111k▲
Profit (loss) carried forward14€14k€14k=
Amounts payable17/49€111k€241k▲
Amounts payable within one year42/48€111k€241k▲
Trade debts44€10k€145k▲
Suppliers440/4€10k€145k▲
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€6k€7k▲
Other amounts payable47/48€96k€89k▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€30k€24k▼
Operating profit (loss)9901€29k€22k▼
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€146€138▼
Recurring financial charges65€146€138▼
Profit (loss) for the period before taxes9903€29k€22k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€24k€20k▼
Profit (loss) for the period to be appropriated9905€24k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€34k▼
Profit (loss) brought forward from the previous period14P€14k€14k=
Transfer to equity691/2€9k€5k▼
To other reserves6921€9k€5k▼
Profit to be distributed694/7€15k€15k=
Directors or managers695€15k€15k=
The notes to these accounts (3 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Equity above €100kEq €104k ▲11.2%
3 profitable years in a row build equity to €104k.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Highest result since 2018net €37k ▲607%
Operating result €61k, net result €37k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Kontich · 1 establishment unit since 1987
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.
Hoge Akker 452550 KontichGround area
1,380 m²
Building footprint
166 m²
Volume, LiDAR
161 m³
Parcel 11602E0216/00V003, Flanders · tallest building 7.8 m. Linked by address, not a title deed.
1 establishment unit
Hoge Akker 45, 2550 Kontich
since 19872.030.415.777
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602E0216/00V003 | Flanders | 1,380 m² | 1 · 166 m² | 7.8 m |
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
2023 · 1 entry · 134 EUR awarded · 111 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 134 EUR | 111 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,667 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-12-1986
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.