Loods39
ActiveLoods39 has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €111k and a net result of €87k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 67% of 2095 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+6
Solvency79▼-16
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 3.32 in 2023; short-term debt: 45.5% and cash: 33.2% of total assets), and 45.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 41
Relative position
BE, all sectors
reference
Sector 41
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 · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year €111k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
30 d late
2022
28 d early
2021
18 d late
2020
23 d late
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€111k▲ 14.5%
2023 · €97k
2019: €98k
2020: €-206k
2021: €12k
2022: €95k
2023: €97k
2019 → 2024
Total assets
€204k▲ 47.5%
2023 · €139k
2019: €260k
2020: €85k
2021: €72k
2022: €131k
2023: €139k
2019 → 2024
Net result
€87k▲ 175%
2023 · €31k
2019: €28k
2020: €-304k
2021: €217k
2022: €108k
2023: €31k
2019 → 2024
Working capital
€109k▲ 12.2%
2023 · €97k
2019: €98k
2020: €-206k
2021: €12k
2022: €95k
2023: €97k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-206k-€12k€95k▲ 702%€97k▲ 1.5%€111k▲ 14.5%
Operating result€-318k-€223k€107k▼ 51.8%€29k▼ 72.8%€88k▲ 200%
Net result€-304k-€217k€108k▼ 50.1%€31k▼ 71.0%€87k▲ 175%
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 2024; 2024 is 200% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €204k
Fixed assets
€3k
Current assets
€201k
Equity and liabilities €204k
Equity
€111k▲ 14.5%
Debt
€94k▲ 124%
The debt ratio rises from 30.2% to 45.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€88k
Cash flow
€87k
Solvency
54.2%▼
2023 · 69.8%
Current ratio
2.17▼
2023 · 3.32
Quick ratio
1.93▼
2023 · 2.73
Debt / equity
0.84▲
2023 · 0.43
ROE
78.1%▲
2023 · 32.5%
ROA
42.4%▲
2023 · 22.7%
Interest coverage
2216.77
Debt
€94k▲
2023 · €42k
Debt ≤ 1 year
€93k▲
2023 · €42k
Income taxes
€5k▲
2023 · €1k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€139k€204k▲
Fixed assets21/28-€3k
Tangible fixed assets22/27-€3k
Plant, machinery and equipment23-€1k
Furniture and vehicles24-€1k
Current assets29/58€139k€201k▲
Amounts receivable after more than one year29€44k€36k▼
Other amounts receivable291€44k€36k▼
Stocks and contracts in progress3€25k€22k▼
Stocks30/36€25k€22k▼
Amounts receivable within one year40/41€54k€75k▲
Trade receivables40€45k€64k▲
Other amounts receivable41€9k€12k▲
Cash at bank and in hand54/58€14k€68k▲
Deferred charges and accrued income490/1€2k€824▼
Equity and liabilities
Total equity and liabilities10/49€139k€204k▲
Equity10/15€97k€111k▲
Contributions10/11€25k€25k=
Reserves13€72k€86k▲
Distributable reserves133€72k€86k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€42k€94k▲
Amounts payable within one year42/48€42k€93k▲
Trade debts44€11k€19k▲
Suppliers440/4€11k€19k▲
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48€30k€73k▲
Accrued charges and deferred income492/3-€599
Income statement
Code20232024
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€319
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€34k€92k▲
Operating profit (loss)9901€29k€88k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€41€40▼
Recurring financial charges65€41€40▼
Profit (loss) for the period before taxes9903€32k€92k▲
Income taxes67/77€1k€5k▲
Profit (loss) for the period9904€31k€87k▲
Profit (loss) for the period to be appropriated9905€31k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€87k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€1k€14k▲
To other reserves6921€1k€14k▲
Profit to be distributed694/7€30k€73k▲
Directors or managers695€30k€73k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial
Equity above €100kEq €111k ▲14.5%
4 profitable years in a row build equity to €111k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity triplescurrent ratio 3.64
Current ratio from 1.20 to 3.64; short-term debt falls from €60k to €36k.
2021
18-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
31-03
Financial
Back to profitnet €217k
Net result €217k after one loss-making year.
31-03
Financial
Liquidity quadruplescurrent ratio 1.20
Current ratio from 0.29 to 1.20; short-term debt falls from €291k to €60k.
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
31-03
Financial
Weakest financial yearnet €-304k ▼1200%
Net result drops to €-304k, the lowest in the series; recovery starts the following year.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
27-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
19-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Zulte · 1 establishment unit since 1997
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.
Sparrenstraat 399870 ZulteGround area
807 m²
Building footprint
201 m²
Volume, LiDAR
1,003 m³
Parcel 44037B0483/00F000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Loods39
since 19972.083.794.481
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44037B0483/00F000 | Flanders | 807 m² | 1 · 201 m² | 6.9 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
2025 · 1 entry · 117 EUR awarded · 117 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 117 EUR | 117 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,810 companies in sector 41001 we hold annual accounts for 16,032. 13,037 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-1997
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43110Demolition
43120Site preparation
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.