LOFISC

Active

Private limited companyfounded 20215 yrs activeRue des Acacias(Achêne) 11, 5590 Ciney, BelgiumKBO/BCE: BE 0762.527.094

Summary

LOFISC has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €41k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

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Checked score

Score 2025

67 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency27▼-22

Growth58▼-20

Track record94

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 69

Relative position

BE, all sectors

reference

Sector 69

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

2.2%

Return on assets

47.4%

Age of the figures

12 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 12707 sector peers (2025).

NBB · sector comparison

Position among 12707 sector peers

Solvency

better than 6%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-03-2026, 55 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

55 d early

2024

58 d early

2023

50 d early

2022

54 d early

2021

61 d early

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

24-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€2k▼ 88.6%

2024 · €17k

2021: €3k 2022: €8k 2023: €52k 2024: €17k

2021 → 2025

Total assets

€86k▲ 24.2%

2024 · €69k

2021: €16k 2022: €25k 2023: €90k 2024: €69k

2021 → 2025

Net result

€41k▼ 18.1%

2024 · €50k

2021: €1k 2022: €5k 2023: €44k 2024: €50k

2021 → 2025

Working capital

€-29k▼ 4,853%

2024 · €-591

2021: €10k 2022: €15k 2023: €31k 2024: €-591

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€3k-€8k▲ 157%€52k▲ 588%€17k▼ 68.0%€2k▼ 88.6%

Operating result€3k-€9k▲ 218%€59k▲ 548%€57k▼ 4.4%€58k▲ 2.0%

Net result€1k-€5k▲ 221%€44k▲ 863%€50k▲ 11.7%€41k▼ 18.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 2% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €86k

48.9%

51.1%

Fixed assets €42k ▲ 16.2%

Current assets €44k ▲ 32.8%

Equity and liabilities €86k

97.8%

Equity €2k ▼ 88.6%

Debt €84k ▲ 60.0%

Debt's share of the balance-sheet total rises from 75.9% to 97.8%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€59k▲

2024 · €57k

Cash flow

€42k▼

2024 · €50k

Current ratio

0.60▼

2024 · 0.98

Debt to equity

44.26▲

2024 · 3.15

ROA

47.4%▼

2024 · 71.9%

Interest coverage

39.81▲

2024 · 24.56

Debt ≤ 1 year

€73k▲

2024 · €34k

Debt > 1 year

€10k▼

2024 · €18k

Income taxes

€16k▲

2024 · €13k

A ratio outside any meaningful range has been withheld (balance sheet total €86k, equity €2k).

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 · 44 lines

Balance sheet Code20242025

Assets

Total assets20/58€69k€86k▲

Fixed assets21/28€36k€42k▲

Tangible fixed assets22/27€2k€6k▲

Furniture and vehicles24€2k€6k▲

Financial fixed assets28€35k€36k▲

Current assets29/58€33k€44k▲

Amounts receivable within one year40/41€18k€4k▼

Trade receivables40€18k€4k▼

Other amounts receivable41€123-

Cash at bank and in hand54/58€15k€40k▲

Equity and liabilities

Total equity and liabilities10/49€69k€86k▲

Equity10/15€17k€2k▼

Contributions10/11€2k€2k=

Reserves13€6k-

Distributable reserves133€6k-

Profit (loss) carried forward14€9k€394▼

Amounts payable17/49€52k€84k▲

Amounts payable after more than one year17€18k€10k▼

Financial debts170/4€18k€10k▼

Amounts payable within one year42/48€34k€73k▲

Current portion of amounts payable after more than one year42€8k€6k▼

Trade debts44€484€857▲

Suppliers440/4€484€857▲

Taxes, remuneration and social security45€5k€8k▲

Taxes450/3€5k€8k▲

Other amounts payable47/48€20k€57k▲

Accrued charges and deferred income492/3€530€804▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€770€2k▲

Other operating charges640/8€1k€653▼

Gross operating margin9900€59k€60k▲

Operating profit (loss)9901€57k€58k▲

Financial income75/76B€8k€51▼

Recurring financial income75€8k€51▼

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€63k€56k▼

Income taxes67/77€13k€16k▲

Profit (loss) for the period9904€50k€41k▼

Profit (loss) for the period to be appropriated9905€50k€41k▼

Appropriation of the result

Profit (loss) to be appropriated9906€54k€50k▼

Profit (loss) brought forward from the previous period14P€5k€9k▲

Transfer from equity791/2€40k€6k▼

Profit to be distributed694/7€85k€55k▼

Return on contributions (dividend)694€85k€55k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 1Filings 5

Next filing, fiscal year 2026, expected by 30-04-2027

2026

06-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

03-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-09

Financial Highest result since 2021net €50k ▲11.7%

Net result €50k, the highest in the series.

11-03

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

07-03

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

28-02

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Ciney · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Rue des Acacias(Achêne) 115590 Ciney

Ground area

719 m²

Building footprint

94 m²

Parcel 91001B0229/00K005, Wallonia. Linked by address, not a title deed.

1 establishment unit

LOFISC

Rue des Acacias(Achêne) 11, 5590 CineyCertified accountants and tax accountants

since 20212.312.436.349

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
91001B0229/00K005	Wallonia	719 m²	1 · 94 m²	-

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.

Similar companies · same sector, comparable size

Fidro

BE 0425.547.710

Houthalen-Helchteren · Eq €1,869

VDS CONSULTING

BE 0479.053.405

Hamme (Vl.) · Eq €1,868

AROS PARTNERS

BE 1031.695.166

Saint-Léger (Lux.) · Eq €1,934

Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 954 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

Founded27-01-2021

Fiscal year end30-09

Activities, NACEBEL 2025

69201Certified accountants and tax accountants

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.