LOMATEX
ActiveLOMATEX has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €12k. Equity is shrinking by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 43% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +33 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency47▲+24
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.11 in 2024), and 73.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
26.1%
Return on assets
13.1%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €24k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
24 d early
2023
54 d early
2022
19 d early
2021
8 d early
2020
52 d early
2019
22 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12k
2024 · €-2k
2018: €7k
2019: €14k
2020: €6k
2021: €22k
2022: €-48k
2023: €-10k
2024: €-2k
2018 → 2025
Working capital
€22k▲ 198%
2024 · €8k
2018: €25k
2019: €47k
2020: €45k
2021: €72k
2022: €10k
2023: €5k
2024: €8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€24k▼ 66.9%€14k▼ 43.2%€12k▼ 12.9%€24k▲ 101%
Operating result€23k-€-47k€-9k▲ 80.6%€-655▲ 92.8%€13k
Net result€22k-€-48k€-10k▲ 78.7%€-2k▲ 83.1%€12k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €13k after a loss of €655 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€1k▼ 66.9%
Current assets
€90k▲ 15.1%
Equity and liabilities €91k
Equity
€24k▲ 101%
Debt
€67k▼ 4.4%
The debt ratio falls from 85.6% to 73.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€16k▲
2024 · €5k
Cash flow
€15k▲
2024 · €4k
Solvency
26.1%▲
2024 · 14.4%
Current ratio
1.33▲
2024 · 1.11
Quick ratio
1.33▲
2024 · 1.11
Debt / equity
2.83▼
2024 · 5.95
ROE
50.3%▲
2024 · -14.8%
ROA
13.1%▲
2024 · -2.1%
Interest coverage
14.95▲
2024 · 4.83
Debt
€67k▼
2024 · €71k
Debt ≤ 1 year
€67k▼
2024 · €71k
Staff costs
€153k▼
2024 · €186k
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€82k€91k▲
Fixed assets21/28€4k€1k▼
Tangible fixed assets22/27€4k€996▼
Furniture and vehicles24€4k€996▼
Financial fixed assets28€435€435=
Current assets29/58€78k€90k▲
Amounts receivable within one year40/41€60k€77k▲
Trade receivables40€60k€77k▲
Cash at bank and in hand54/58€14k€9k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€82k€91k▲
Equity10/15€12k€24k▲
Contributions10/11€50k€50k=
Profit (loss) carried forward14€-38k€-26k▲
Amounts payable17/49€71k€67k▼
Amounts payable within one year42/48€71k€67k▼
Current portion of amounts payable after more than one year42€10k€8k▼
Financial debts43-€12k
Credit institutions430/8-€12k
Trade debts44€10k€4k▼
Suppliers440/4€10k€4k▼
Advances received on contracts in progress46€150€150=
Taxes, remuneration and social security45€30k€24k▼
Taxes450/3€3k€5k▲
Remuneration and social security454/9€27k€19k▼
Other amounts payable47/48€21k€20k▼
Income statement
Code20242025
Remuneration, social security and pensions62€186k€153k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€192k€170k▼
Operating profit (loss)9901€-655€13k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-2k€12k▲
Income taxes67/77€-24-
Profit (loss) for the period9904€-2k€12k▲
Profit (loss) for the period to be appropriated9905€-2k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-26k▲
Profit (loss) brought forward from the previous period14P€-36k€-38k▼
The notes to these accounts (5 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €12k
Net result €12k after 3 loss-making years.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-48k ▼325%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €22k ▲273%
Operating result €23k, net result €22k, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Charleroi · 1 establishment unit since 2014
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.
Chaussée de Gilly 546040 CharleroiGround area
434 m²
Building footprint
72 m²
Volume, LiDAR
704 m³
Parcel 52034C0085/00C002, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Gilly 54, 6040 Charleroi
since 20142.235.596.018
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52034C0085/00C002 | Wallonia | 434 m² | 1 · 72 m² | 11.6 m · 3 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.
Similar companies · same sector, comparable size
COSTUME PRIVE
BE 0729.771.679
Ukkel · Eq €24k
SAN DIEGO U.S.
BE 0471.272.619
Grimbergen · Eq €24k
DIVA BOUTIQUE
BE 0659.903.866
Liège · Eq €24k
STUDIO LA MAITRISE
BE 0657.745.617
Vorst · Eq €24k
YAHYA SHOP
BE 0566.924.319
Sint-Jans-Molenbeek · Eq €24k
Of 6,457 companies in sector 47716 we hold annual accounts for 2,421. 1,626 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-11-2003
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47783Retail trade
47784Retail trade
52421
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
45401
45402
46730Wholesale trade
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.