YVES LORIC
ActiveYVES LORIC has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €188k and a net result of €46k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 53% of 3101 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency58▲+5
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 0.72 in 2024), and 63.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 01
Relative position
BE, all sectors
reference
Sector 01
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
36.3%
Return on assets
8.9%
Age of the figures
8 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
78 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
152 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€188k▲ 32.3%
2024 · €142k
2019: €49k
2020: €74k
2021: €102k
2022: €99k
2023: €104k
2024: €142k
2019 → 2025
Total assets
€517k▲ 38.9%
2024 · €373k
2019: €134k
2020: €154k
2021: €177k
2022: €214k
2023: €179k
2024: €373k
2019 → 2025
Net result
€46k▲ 19.1%
2024 · €38k
2019: €47k
2020: €30k
2021: €29k
2022: €-3k
2023: €4k
2024: €38k
2019 → 2025
Working capital
€5k
2024 · €-35k
2019: €53k
2020: €76k
2021: €69k
2022: €33k
2023: €35k
2024: €-35k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€99k▼ 2.7%€104k▲ 4.2%€142k▲ 37.1%€188k▲ 32.3%
Operating result€34k-€36k▲ 8.3%€16k▼ 57.3%€55k▲ 251%€62k▲ 13.1%
Net result€29k-€-3k€4k€38k▲ 820%€46k▲ 19.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 13% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €517k
Fixed assets
€431k▲ 52.0%
Current assets
€86k▼ 2.9%
Equity and liabilities €517k
Equity
€188k▲ 32.3%
Debt
€329k▲ 43.0%
The debt ratio rises from 61.8% to 63.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€99k▲
2024 · €75k
Cash flow
€83k▲
2024 · €59k
Solvency
36.3%▼
2024 · 38.2%
Current ratio
1.06▲
2024 · 0.72
Quick ratio
0.82▲
2024 · 0.62
Debt / equity
1.75▲
2024 · 1.62
ROE
24.4%▼
2024 · 27.1%
ROA
8.9%▼
2024 · 10.3%
Interest coverage
12.10▲
2024 · 8.63
Debt
€329k▲
2024 · €230k
Debt ≤ 1 year
€82k▼
2024 · €124k
Debt > 1 year
€248k▲
2024 · €106k
Income taxes
€9k▲
2024 · €7k
Staff costs
€30k▲
2024 · €29k
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€373k€517k▲
Fixed assets21/28€283k€431k▲
Tangible fixed assets22/27€283k€431k▲
Land and buildings22€249k€369k▲
Plant, machinery and equipment23€17k€10k▼
Furniture and vehicles24€17k€53k▲
Current assets29/58€89k€86k▼
Stocks and contracts in progress3€12k€20k▲
Stocks30/36€12k€20k▲
Amounts receivable within one year40/41€52k€46k▼
Trade receivables40€52k€45k▼
Other amounts receivable41€61€61=
Cash at bank and in hand54/58€23k€20k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€373k€517k▲
Equity10/15€142k€188k▲
Contributions10/11€3k€3k=
Reserves13€8k€8k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€132k€177k▲
Amounts payable17/49€230k€329k▲
Amounts payable after more than one year17€106k€248k▲
Financial debts170/4€106k€248k▲
Amounts payable within one year42/48€124k€82k▼
Current portion of amounts payable after more than one year42€25k€29k▲
Trade debts44€38k€12k▼
Suppliers440/4€38k€12k▼
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€7k€4k▼
Remuneration and social security454/9€7k€7k▼
Other amounts payable47/48€48k€30k▼
Income statement
Code20242025
Remuneration, social security and pensions62€29k€30k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€37k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€106k€132k▲
Operating profit (loss)9901€55k€62k▲
Financial income75/76B€32€1k▲
Recurring financial income75€32€1k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€46k€55k▲
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€38k€46k▲
Profit (loss) for the period to be appropriated9905€38k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€140k€177k▲
Profit (loss) brought forward from the previous period14P€101k€132k▲
Transfer to equity691/2€8k-
To other reserves6921€8k-
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €150kEq €188k ▲32.3%
3 profitable years in a row build equity to €188k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 78 days late
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Equity above €100kEq €104k ▲4.2%
Equity rises from €99k to €104k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-3k ▼110%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €102k ▲38.8%
3 profitable years in a row build equity to €102k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 152 days late
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, Andenne · 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.
Avenue Roi Albert 1105300 AndenneGround area
1,278 m²
Building footprint
66 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
YVES LORIC
since 20182.276.066.792
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92410B0145/00R002 | Wallonia | 1,000 m² | - | - |
| 92003H0471/02Z000 | Wallonia | 278 m² | 1 · 66 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900IAY52KMMHKLM98
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Of 1,575 companies in sector 01620 we hold annual accounts for 216. 165 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2018
Fiscal year end31-12
Activities, NACEBEL
01620Support activities for animal production
25401Forging of metal
46216Wholesale of agricultural produce and animal feed, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.