DELI LOZANA
ActiveDELI LOZANA has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120k and a net result of €-7k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 73% of 800 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-63
Solvency80▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.64 against 2.29 in 2024; short-term debt: 30% and cash: 4.8% of total assets), and 44.7% 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+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 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
29 d late
2023
48 d late
2022
1 d early
2021
31 d late
2020
26 d late
2019
68 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€120k▼ 5.8%
2024 · €127k
2018: €37k
2019: €37k
2020: €51k
2021: €53k
2022: €62k
2023: €100k
2024: €127k
2018 → 2025
Total assets
€217k▲ 5.9%
2024 · €204k
2018: €162k
2019: €119k
2020: €128k
2021: €91k
2022: €91k
2023: €173k
2024: €204k
2018 → 2025
Net result
€-7k
2024 · €27k
2018: €13k
2019: €-42
2020: €14k
2021: €1k
2022: €9k
2023: €38k
2024: €27k
2018 → 2025
Working capital
€107k▲ 14.2%
2024 · €93k
2018: €17k
2019: €26k
2020: €39k
2021: €48k
2022: €56k
2023: €102k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€62k▲ 18.1%€100k▲ 60.9%€127k▲ 27.3%€120k▼ 5.8%
Operating result€7k-€20k▲ 183%€58k▲ 195%€41k▼ 29.2%€-2k
Net result€1k-€9k▲ 687%€38k▲ 297%€27k▼ 27.7%€-7k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €41k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €217k
Fixed assets
€45k▲ 16.0%
Current assets
€171k▲ 3.6%
Equity and liabilities €217k
Equity
€120k▼ 5.8%
Debt
€97k▲ 25.1%
The debt ratio rises from 37.9% to 44.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€8k▼
2024 · €47k
Cash flow
€3k▼
2024 · €33k
Solvency
55.3%▼
2024 · 62.1%
Current ratio
2.64▲
2024 · 2.29
Quick ratio
2.63▲
2024 · 2.28
Debt / equity
0.81▲
2024 · 0.61
ROE
-6.1%▼
2024 · 21.5%
ROA
-3.4%▼
2024 · 13.3%
Interest coverage
0.92▼
2024 · 11.71
Debt
€97k▲
2024 · €77k
Debt ≤ 1 year
€65k▼
2024 · €72k
Debt > 1 year
€30k▲
2024 · €4k
Income taxes
€-327▼
2024 · €10k
Staff costs
€43k▲
2024 · €36k
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€204k€217k▲
Fixed assets21/28€39k€45k▲
Tangible fixed assets22/27€38k€45k▲
Plant, machinery and equipment23€21k€23k▲
Leasing and similar rights25€9k€9k▼
Other tangible fixed assets26€8k€13k▲
Financial fixed assets28€480€480=
Current assets29/58€166k€171k▲
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€103k€101k▼
Trade receivables40€13k€7k▼
Other amounts receivable41€90k€94k▲
Current investments50/53€38k€58k▲
Cash at bank and in hand54/58€15k€10k▼
Deferred charges and accrued income490/1€8k€1k▼
Equity and liabilities
Total equity and liabilities10/49€204k€217k▲
Equity10/15€127k€120k▼
Contributions10/11€19k€19k=
Reserves13€108k€101k▼
Distributable reserves133€108k€101k▼
Amounts payable17/49€77k€97k▲
Amounts payable after more than one year17€4k€30k▲
Financial debts170/4€4k€30k▲
Amounts payable within one year42/48€72k€65k▼
Current portion of amounts payable after more than one year42€24k€18k▼
Trade debts44€41k€42k▲
Suppliers440/4€41k€42k▲
Taxes, remuneration and social security45€8k€5k▼
Remuneration and social security454/9€8k€5k▼
Accrued charges and deferred income492/3€690€2k▲
Income statement
Code20242025
Non-recurring operating income76A€709-
Remuneration, social security and pensions62€36k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€11k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€3k-
Gross operating margin9900€88k€53k▼
Operating profit (loss)9901€41k€-2k▼
Financial income75/76B€214€4k▲
Recurring financial income75€214€1k▲
Non-recurring financial income76B-€3k
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Profit (loss) for the period before taxes9903€37k€-8k▼
Income taxes67/77€10k€-327▼
Profit (loss) for the period9904€27k€-7k▼
Profit (loss) for the period to be appropriated9905€27k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€-7k▼
Transfer from equity791/2-€7k
Transfer to equity691/2€27k-
To other reserves6921€27k-
Social balance
Average headcount (FTE)90871.41.1▼
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €-7k ▼127%
Net result drops to €-7k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Equity above €100kEq €127k ▲27.3%
5 profitable years in a row build equity to €127k.
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 48 days late
2023
31-12
Financial
Highest result since 2018net €38k ▲297%
Operating result €58k, net result €38k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 68 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Antwerpen · 1 establishment unit since 1988
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.
Lange Lozanastraat 2882018 AntwerpenGround area
661 m²
Building footprint
128 m²
Volume, LiDAR
1,835 m³
Parcel 11810K1852/00V000, Flanders · tallest building 22.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
PANOS
since 19882.040.191.793
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1852/00V000 | Flanders | 661 m² | 1 · 128 m² | 22.7 m · 5 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
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.040.191.793
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Of 4,227 companies in sector 10712 we hold annual accounts for 1,871. 1,597 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-1988
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
47241Retail sale of bread and pastry (bakery outlets)
52240
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:jolbvba@gmail.com