LOHO
ActiveLOHO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €434k and a net result of €72k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 77% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+1
Solvency89▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 2.36 in 2024; short-term debt: 19.2% and cash: 12.3% of total assets), and 35.5% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
64.5%
Return on assets
10.7%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-12-2025, 53 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
53 d late
2024
2 d early
2023
30 d late
2022
29 d late
2021
29 d late
2020
12 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€434k▲ 10.0%
2024 · €395k
2019: €133k
2020: €161k
2021: €226k
2022: €290k
2023: €338k
2024: €395k
2019 → 2025
Total assets
€674k=
2024 · €674k
2019: €590k
2020: €599k
2021: €643k
2022: €676k
2023: €681k
2024: €674k
2019 → 2025
Net result
€72k▲ 11.5%
2024 · €65k
2019: €31k
2020: €28k
2021: €74k
2022: €74k
2023: €58k
2024: €65k
2019 → 2025
Working capital
€205k▲ 8.8%
2024 · €189k
2019: €24k
2020: €60k
2021: €127k
2022: €154k
2023: €204k
2024: €189k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€226k-€290k▲ 28.5%€338k▲ 16.4%€395k▲ 16.9%€434k▲ 10.0%
Operating result€121k-€115k▼ 5.6%€99k▼ 14.0%€97k▼ 1.2%€110k▲ 13.1%
Net result€74k-€74k=€58k▼ 21.7%€65k▲ 11.4%€72k▲ 11.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €674k
Fixed assets
€339k▼ 2.0%
Current assets
€335k▲ 2.1%
Equity and liabilities €674k
Equity
€434k▲ 10.0%
Debt
€239k▼ 14.2%
The debt ratio falls from 41.4% to 35.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€154k▲
2024 · €138k
Cash flow
€116k▲
2024 · €105k
Solvency
64.5%▲
2024 · 58.6%
Current ratio
2.59▲
2024 · 2.36
Quick ratio
0.73▲
2024 · 0.71
Debt / equity
0.55▼
2024 · 0.71
ROE
16.6%▲
2024 · 16.4%
ROA
10.7%▲
2024 · 9.6%
Interest coverage
9.10▲
2024 · 8.36
Debt
€239k▼
2024 · €279k
Debt ≤ 1 year
€129k▼
2024 · €139k
Debt > 1 year
€110k▼
2024 · €140k
Income taxes
€25k▲
2024 · €20k
Staff costs
€142k▲
2024 · €140k
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€674k€674k=
Fixed assets21/28€346k€339k▼
Tangible fixed assets22/27€346k€339k▼
Plant, machinery and equipment23€137k€111k▼
Furniture and vehicles24€5k€34k▲
Leasing and similar rights25€205k€195k▼
Current assets29/58€328k€335k▲
Stocks and contracts in progress3€229k€240k▲
Stocks30/36€229k€240k▲
Amounts receivable within one year40/41€3k€9k▲
Trade receivables40€3k€3k▼
Other amounts receivable41€229€6k▲
Current investments50/53€650€0▼
Cash at bank and in hand54/58€90k€83k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€674k€674k=
Equity10/15€395k€434k▲
Contributions10/11€19k€19k=
Reserves13€376k€416k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€374k€414k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€279k€239k▼
Amounts payable after more than one year17€140k€110k▼
Financial debts170/4€140k€110k▼
Amounts payable within one year42/48€139k€129k▼
Current portion of amounts payable after more than one year42€32k€30k▼
Trade debts44€71k€35k▼
Suppliers440/4€71k€35k▼
Taxes, remuneration and social security45€27k€29k▲
Taxes450/3€4k€5k▲
Remuneration and social security454/9€23k€25k▲
Other amounts payable47/48€9k€35k▲
Accrued charges and deferred income492/3€9€9=
Income statement
Code20242025
Remuneration, social security and pensions62€140k€142k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€44k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€282k€299k▲
Operating profit (loss)9901€97k€110k▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€16k€17k▲
Recurring financial charges65€16k€17k▲
Profit (loss) for the period before taxes9903€85k€97k▲
Income taxes67/77€20k€25k▲
Profit (loss) for the period9904€65k€72k▲
Profit (loss) for the period to be appropriated9905€65k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€72k▲
Transfer from equity791/2-€27k
Transfer to equity691/2€57k€66k▲
To other reserves6921€57k€66k▲
Profit to be distributed694/7€8k€33k▲
Return on contributions (dividend)694€2k€27k▲
Directors or managers695€6k€6k=
Social balance
Average headcount (FTE)90873.73.5▼
The notes to these accounts (16 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
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 53 days late
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
31-03
Financial
Highest result since 2019net €74k ▲162%
Operating result €121k, net result €74k, both a record.
31-03
Financial
Equity above €200kEq €226k ▲40.1%
3 profitable years in a row build equity to €226k.
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
31-03
Financial
Weakest financial yearnet €28k ▼8%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €150kEq €161k ▲21.4%
2 profitable years in a row build equity to €161k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
21-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
25-10
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
2 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, Heuvelland · 1 establishment unit since 2011
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.
Markt(Nieuwk) 658950 HeuvellandGround area
206 m²
Building footprint
206 m²
Volume, LiDAR
1,396 m³
Parcel 33017A0082/00B000, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPAR
since 20112.198.616.549
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33017A0082/00B000 | Flanders | 206 m² | 1 · 206 m² | 11.4 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
2023 to 2024 · 2 entries · 6,458 EUR awarded · 6,458 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 2,583 EUR |
| 2023 | 1 | 6,458 EUR | 3,875 EUR |
Schemes
Ecologiepremie+
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyHeuvelland2.198.616.549
Similar companies · same sector, comparable size
INFINITY TRADE
BE 0689.749.578
Anderlecht · Eq €434k
HOLLIM
BE 0888.637.091
Brunehaut · Eq €434k
HEMPE
BE 0471.598.063
Ciney · Eq €435k
GREMA
BE 0422.333.446
Hasselt · Eq €433k
BG RETAIL
BE 0735.715.504
Sint-Pieters-Leeuw · Eq €435k
Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 3,334 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2011
Fiscal year end31-03
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.