LOYD
ActiveSummary
LOYD has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €537k and a net result of €4k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 17% of 830 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-4
Solvency36▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 0.99 in 2024; short-term debt: 44.6% and cash: 3.2% of total assets), but 89.4% 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
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 · 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
10.6%
Return on assets
0.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 830 sector peers (2025).
NBB · sector comparisonPosition among 830 sector peers
Solvency
better than 17%
← weakest
strongest →
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
9 d early
2023
22 d early
2022
11 d early
2021
32 d early
2020
22 d early
2019
25 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k▲ 658%
2024 · €566
2018: €10k
2019: €47k
2020: €4k
2021: €6k
2022: €6k
2023: €5k
2024: €566
2018 → 2025
Working capital
€1.81M
2024 · €-84k
2018: €593k
2019: €477k
2020: €550k
2021: €-23k
2022: €391k
2023: €281k
2024: €-84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€522k-€527k▲ 1.1%€532k▲ 1.0%€533k▲ 0.1%€537k▲ 0.8%
Operating result€47k-€66k▲ 40.1%€34k▼ 47.9%€61k▲ 77.6%€65k▲ 6.2%
Net result€6k-€6k▼ 5.4%€5k▼ 9.6%€566▼ 88.9%€4k▲ 658%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.08M
Fixed assets
€1.01M ▼ 1.6%
Current assets
€4.07M ▼ 63.9%
Equity and liabilities €5.08M
Equity
€537k ▲ 0.8%
Debt
€4.54M ▼ 61.4%
Debt's share of the balance-sheet total falls from 95.7% to 89.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€142k▼
2024 · €163k
Cash flow
€81k▼
2024 · €103k
Current ratio
1.80▲
2024 · 0.99
Quick ratio
0.90▲
2024 · 0.15
Debt to equity
8.45▼
2024 · 22.08
ROE
0.8%▲
2024 · 0.1%
ROA
0.1%▲
2024 · 0.0%
Interest coverage
1.92▼
2024 · 2.38
Debt ≤ 1 year
€2.27M▼
2024 · €11.36M
Debt > 1 year
€2.18M▲
2024 · €391k
Income taxes
€2k▼
2024 · €7k
Staff costs
€192k▼
2024 · €203k
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 · 61 lines
Balance sheet
Code20242025
Assets
Total assets20/58€12.30M€5.08M▼
Fixed assets21/28€1.02M€1.01M▼
Intangible fixed assets21€6k€3k▼
Tangible fixed assets22/27€1.01M€993k▼
Land and buildings22€947k€905k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€30k€24k▼
Leasing and similar rights25€26k€61k▲
Financial fixed assets28€11k€11k=
Current assets29/58€11.27M€4.07M▼
Amounts receivable after more than one year29€181k€471k▲
Other amounts receivable291€181k€471k▲
Stocks and contracts in progress3€9.56M€2.03M▼
Stocks30/36€9.56M€2.03M▼
Amounts receivable within one year40/41€1.31M€1.39M▲
Trade receivables40€1.27M€1.33M▲
Other amounts receivable41€36k€62k▲
Cash at bank and in hand54/58€209k€161k▼
Deferred charges and accrued income490/1€19k€19k▼
Equity and liabilities
Total equity and liabilities10/49€12.30M€5.08M▼
Equity10/15€533k€537k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€471k€476k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€465k€470k▲
Amounts payable17/49€11.76M€4.54M▼
Amounts payable after more than one year17€391k€2.18M▲
Financial debts170/4€391k€2.18M▲
Amounts payable within one year42/48€11.36M€2.27M▼
Current portion of amounts payable after more than one year42€67k€71k▲
Financial debts43€0€263k▲
Credit institutions430/8€0€263k▲
Trade debts44€891k€1.44M▲
Suppliers440/4€891k€1.44M▲
Advances received on contracts in progress46€8.48M€0▼
Taxes, remuneration and social security45€92k€141k▲
Taxes450/3€61k€113k▲
Remuneration and social security454/9€31k€28k▼
Other amounts payable47/48€1.83M€347k▼
Accrued charges and deferred income492/3€16k€95k▲
Income statement
Code20242025
Non-recurring operating income76A€0€4k▲
Remuneration, social security and pensions62€203k€192k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€102k€77k▼
Other operating charges640/8€30k€16k▼
Gross operating margin9900€396k€349k▼
Operating profit (loss)9901€61k€65k▲
Financial income75/76B€15k€16k▲
Recurring financial income75€15k€16k▲
Financial charges65/66B€69k€74k▲
Recurring financial charges65€69k€74k▲
Profit (loss) for the period before taxes9903€8k€7k▼
Income taxes67/77€7k€2k▼
Profit (loss) for the period9904€566€4k▲
Profit (loss) for the period to be appropriated9905€566€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€566€4k▲
Transfer to equity691/2€566€4k▲
To other reserves6921€566€4k▲
Social balance
Average headcount (FTE)90873.02.4▼
The notes to these accounts (29 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €566 ▼88.9%
Net result drops to €566, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €47k ▲364%
Operating result €79k, net result €47k, both a record.
31-12
Financial
Equity above €500kEq €512k ▲10.1%
2 profitable years in a row build equity to €512k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
17 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, Boortmeerbeek · 1 establishment unit since 1994
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.
Fabrieksweg 133190 BoortmeerbeekGround area
2.2 ha
Building footprint
2,355 m²
Volume, LiDAR
13,129 m³
Parcel 24014B0116/00H003, Flanders · tallest building 15.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOYD
since 19942.067.313.488
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24014B0116/00H003 | Flanders | 2.2 ha | 1 · 2,355 m² | 15.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 10,638 EUR awarded · 9,809 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 7,500 EUR | 6,525 EUR |
| 2024 | 2 | 1,742 EUR | 1,704 EUR |
| 2023 | 1 | 955 EUR | 1,139 EUR |
| 2022 | 1 | 441 EUR | 441 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
Similar companies · same sector, comparable size
TOTAL DECONTAMINATION GROUP
BE 1001.051.876
Leopoldsburg · Eq €537,250
ERMI CONSTRUCT
BE 0477.484.478
Sint-Pieters-Leeuw · Eq €537,275
CENTRALE GENERALE RENOVE
BE 0412.692.141
Schaarbeek · Eq €536,995
DEVABO
BE 0424.169.815
Waregem · Eq €537,600
VETRABO
BE 0440.559.647
Sint-Gillis-Waas · Eq €536,700
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 8,957 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 formPublic limited company
Founded23-04-1994
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.