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Complete company report
Generated 02-09-2026
Active BE 0699.778.883Public limited company

FONCIÈRE LOCK’O

Chaussée de Tirlemont 75 ·5030 Gembloux, Belgium· 8 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of FONCIÈRE LOCK’O is 1.6% (moderate). The 2025 annual accounts show equity of €3.00M and a net result of €347k. The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €3.00M
Net result €347k
Active 8 yrs
Locations 2
Financial profile 5 of 5 axes measured · computed by Checked
Health100Profitability58Solvency100Growth78Stability100
87 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 58
Solvency 100
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
1.6% Moderate
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Multiple establishment units +Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2018, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview7 NBB filings
Annual accounts filed on 26-08-2026 with the NBB · fiscal year 2025 · volledig
€0€200k€400kOperating result 2024: €415k€415kNet result 2024: €344k€344kOperating result 2025: €402k€402kNet result 2025: €347k€347k20242025
Operating resultNet result
EBITDA
€485k
-3.3% 24-25
Net profit
€347k
+0.9% 24-25
Cash flow
€430k
-0.2% 24-25
Total assets
€3.18M
+9.9% 24-25
Equity
€3.00M
+13.1% 24-25
Working capital
€2.14M
+21.4% 24-25
Income taxes
€116k
+1.0% 24-25
Debt
€185k
-25.0% 24-25
Show 9 other metrics
Debt ≤ 1y
€137k
-6.1% 24-25
Debt > 1y
€2k
0.0% 24-25
Current ratio
16.56
+27.1% 24-25
Quick ratio
16.56
+27.1% 24-25
Solvency
94.2%
+3.0% 24-25
Debt / equity
0.06
-33.7% 24-25
ROE
11.6%
-10.8% 24-25
ROA
10.9%
-8.2% 24-25
Interest coverage
1987.08
-98.7% 24-25
Figures by fiscal year
Fiscal year2025
Depositvolledig
Revenue-
EBITDA€485k
Net profit€347k
Cash flow€430k
Staff costs-
Income taxes€116k
Dividends-
Total assets€3.18M
Equity€3.00M
Debt€185k
of which ≤ 1y€137k
of which > 1y€2k
Working capital€2.14M
Employees (FTE)-
Ratios (computed)
2025
Current ratio16.56
Quick ratio16.56
Working capital ratio67.2%
Solvency94.2%
Debt / equity0.06
Long-term debt ratio0.00
Interest coverage1987.08
Gross margin-
Net margin-
ROA10.9%
ROE11.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€3.18M
Fixed assets 21/28€905k
Tangible fixed assets 22/27€905k
Current assets 29/58€2.28M
Amounts receivable within one year 40/41€2.21M
Cash & bank 54/58€7k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3.18M
Equity 10/15€3.00M
Contributions / capital 10/11€124k
Reserves 13€604k
Accumulated profits (losses) 14€1.34M
Amounts payable 17/49€185k
Amounts payable after one year 17€2k
Amounts payable within one year 42/48€137k
Trade debts payable within one year 44€42k
Income statement
Gross operating margin 9900€535k
Operating result 9901€402k
Financial income 75€61k
Financial charges 65€244
Result before taxes 9903€463k
Income taxes 67/77€116k
Net result for the period 9904€347k
Result to be appropriated 9905€347k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary -
Legal form Public limited company(014)
Incorporation10-07-2018
StatusActive
Postal code5030
Establishment units 2 locations
FONCIERE LOCK'O SA
Rue de Gembloux(SS) 500, 5002 NamurVerhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen
since 20182.278.101.022
FONCIERE LOCK'O
Rue Achile Degrace 1A, 7080 FrameriesVerhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen
since 20182.281.634.889
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92253D0287/00F000 Wallonia 7.8 ha 1 · 1.4 ha -
53028D0118/00Y003 Wallonia 5.1 ha 1 · 428 m² 10.5 m · 2 fl.
92108A0041/00F004 Wallonia 3.4 ha 1 · 659 m² 6.5 m · 1 fl.
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 8 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
26-08-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2025
26-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
14-05-2025
State Gazette act Director changes
2024
23-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
31-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
2022
31-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
07-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
30-11-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
Belgian State Gazette reading coverage 0 of 7 acts read

We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
14-05-2025 3 reappointed Director changes
  • Thomas Marchandise, Commissaris
  • Rachel Marchandise, Commissaris
  • Thierry Tribolet, Commissaris
Technical details 
{
  "events": [
    {
      "kind": "commissaris_renew",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Thomas Marchandise",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": {
        "kbo": "0846.745.662",
        "name": "OSPRL PARGECO",
        "address": "Chemin du Smohain, 13 \u00E0 1380 OHAIN",
        "country": "BE",
        "legal_form": "SPRL"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Les Actionnaires d\u00E9cident de reconduire le mandat des administrateurs suivants pour une dur\u00E9e de 6 ans: OSPRL PARGECO",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "commissaris_renew",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Rachel Marchandise",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": {
        "kbo": "0426.575.514",
        "name": "SA CONSULCOM",
        "address": "rue de Ch\u00E8nemont, 130- 5032 Corroy-le-Ch\u00E2teau",
        "country": "BE",
        "legal_form": "SA"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "La SA CONSULCOM, inscrite \u00E0 la BCE sous le n\u00B0 0426.575.514 et dont le si\u00E8ge social est \u00E9tabli rue de Ch\u00E8nemont, 130- 5032 Corroy-le-Ch\u00E2teau. Rachel Marchandise restera la repr\u00E9sentante permanente de la SA CONSULCOM durant toute la dur\u00E9e de ce nouveau mandat.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "commissaris_renew",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Thierry Tribolet",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": {
        "kbo": "0767.438.561",
        "name": "SRL IBEX SPIRIT",
        "address": "avenue des Clos, 18-1348 LOUVAIN-LA-NEUVE",
        "country": "BE",
        "legal_form": "SRL"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "OLa SRL IBEX SPIRIT, inscrite \u00E0 la BCE sous le n\u00B0 767.438.561 et dont le si\u00E8ge social est \u00E9tabli avenue des Clos, 18-1348 LOUVAIN-LA-NEUVE. Thierry Tribolet restera le repr\u00E9sentant permanent de la SRL IBEX SPIRIT durant toute la dur\u00E9e de ce nouveau mandat.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2025-05-14",
    "filing_date": "2024-05-31",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-05-31",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0699.778.883",
    "name_full": "FONCIERE LOC\u041A\u0027\u041E",
    "legal_form": "SA"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Thomas Marchandise",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur-d\u00E9l\u00E9gu\u00E9"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameFR FONCIÈRE LOCK’O
Registered office
Chaussée de Tirlemont 75
5030 Gembloux, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative