LOBOSAN
ActiveSummary
LOBOSAN has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €265k and a net result of €160k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 41% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+19
Solvency70▲+28
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity short (current ratio 0.59 against 0.24 in 2024; short-term debt: 18.2% and cash: 6.1% of total assets), and 54.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 63
Relative position
BE, all sectors
reference
Sector 63
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
45.1%
Return on assets
27.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 9 filingsDeviation from the deadline
2025
27 d late
2024
6 d early
2023
92 d late
2022
121 d late
2021
92 d late
2020
90 d late
2019
91 d late
← 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, micro schema
Turnover
€192k
EBIT margin
31.7%
Net result
€160k▲ 167%
2024 · €60k
2018: €25k
2019: €13k
2020: €47k
2021: €857
2022: €25k
2023: €75k
2024: €60k
2018 → 2025
Working capital
€-44k▲ 76.9%
2024 · €-188k
2018: €36k
2019: €75k
2020: €121k
2021: €35k
2022: €12k
2023: €20k
2024: €-188k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€155k▲ 19.3%€230k▲ 48.2%€106k▼ 54.1%€265k▲ 151%
Operating result€5k-€44k▲ 719%€112k▲ 154%€98k▼ 12.4%€90k▼ 8.6%
Net result€857-€25k▲ 2,826%€75k▲ 198%€60k▼ 19.9%€160k▲ 167%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €587k
Fixed assets
€524k ▼ 9.4%
Current assets
€63k ▲ 6.8%
Equity and liabilities €587k
Equity
€265k ▲ 151%
Debt
€323k ▼ 39.3%
Debt's share of the balance-sheet total falls from 83.4% to 54.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€104k▼
2024 · €113k
Cash flow
€174k▲
2024 · €75k
Current ratio
0.59▲
2024 · 0.24
Debt to equity
1.22▼
2024 · 5.04
ROE
60.4%▲
2024 · 56.8%
ROA
27.2%▲
2024 · 9.4%
Interest coverage
12.37▲
2024 · 10.49
Debt ≤ 1 year
€107k▼
2024 · €247k
Debt > 1 year
€215k▼
2024 · €283k
Income taxes
€23k▼
2024 · €27k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€637k€587k▼
Fixed assets21/28€578k€524k▼
Tangible fixed assets22/27€251k€240k▼
Land and buildings22€185k€179k▼
Plant, machinery and equipment23€44k€37k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€18k€22k▲
Financial fixed assets28€327k€284k▼
Current assets29/58€59k€63k▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€194€2k▲
Other amounts receivable41€194€2k▲
Current investments50/53-€25k
Cash at bank and in hand54/58€58k€36k▼
Deferred charges and accrued income490/1€475€140▼
Equity and liabilities
Total equity and liabilities10/49€637k€587k▼
Equity10/15€106k€265k▲
Contributions10/11€19k€19k=
Reserves13€87k€246k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€87k€246k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€532k€323k▼
Amounts payable after more than one year17€283k€215k▼
Financial debts170/4€283k€215k▼
Amounts payable within one year42/48€247k€107k▼
Current portion of amounts payable after more than one year42€75k€77k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€43k€7k▼
Taxes450/3€43k€7k▼
Other amounts payable47/48€125k€21k▼
Accrued charges and deferred income492/3€960€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€117k€108k▼
Operating profit (loss)9901€98k€90k▼
Financial income75/76B€6€102k▲
Recurring financial income75€6€102k▲
Financial charges65/66B€11k€8k▼
Recurring financial charges65€11k€8k▼
Profit (loss) for the period before taxes9903€87k€183k▲
Income taxes67/77€27k€23k▼
Profit (loss) for the period9904€60k€160k▲
Profit (loss) for the period to be appropriated9905€60k€160k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€160k▲
Transfer from equity791/2€125k€0▼
Transfer to equity691/2€0€160k▲
To other reserves6921€0€160k▲
Profit to be distributed694/7€185k€0▼
Return on contributions (dividend)694€185k€0▼
The notes to these accounts (15 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
15-09
State Gazette act
Board meeting · Registered-office movePower of attorney3 facts ▸
State Gazette act
Board meeting · Registered-office move
Power of attorney3 facts ▸
- Board meeting, 09-07-2026
- Registered-office move, Richard Neyberghlaan 98 - 1020 Brussel (Laken)
- Power of attorney, BOES & VERRUE BEDRIJFSREVISOREN BV
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €160k ▲167%
Net result €160k, the highest in the series.
31-12
Financial
Equity above €200kEq €265k ▲151%
8 profitable years in a row build equity to €265k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Equity above €200kEq €230k ▲48.2%
6 profitable years in a row build equity to €230k.
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 121 days late
2022
31-12
Financial
Equity above €150kEq €155k ▲19.3%
5 profitable years in a row build equity to €155k.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Weakest financial yearnet €857 ▼98.2%
Net result drops to €857, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
Show earlier events
2020
31-12
Financial
Equity above €100kEq €129k ▲65.5%
3 profitable years in a row build equity to €129k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2016
Ground area
5,281 m²
Building footprint
3,111 m²
Volume, LiDAR
43,835 m³
2 parcels, Brussels · tallest building 20.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
LOBOSAN
since 20162.258.041.422
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21815D0086/00S000 | Brussels | 4,714 m² | 1 · 2,974 m² | 20.7 m · 5 fl. |
| 21815D0064/00Y000 | Brussels | 567 m² | 1 · 137 m² | 18.3 m · 5 fl. |
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.
Structure & network
Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
1 location
1 location
Similar companies · same sector, comparable size
Total ICT
BE 0829.356.235
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HCM-Design
BE 0840.660.990
Sint-Gillis (bij-Brussel) · Eq €263,918
VASTMANS ADVIES
BE 0827.963.789
Maaseik · Eq €263,621
STIRYO
BE 0746.500.815
Poperinge · Eq €263,158
Promojagers
BE 0743.647.827
Beernem · Eq €262,941
Of 3,152 companies in sector 63920 we hold annual accounts for 1,523. 1,129 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 formPrivate limited company
Founded12-08-2016
Fiscal year end31-12
Activities, NACEBEL 2025
63920Other information service activities
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.