LORNOY
ActiveLORNOY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €789k and a net result of €41k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 67% of 5495 sector peers (fiscal year 2025). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
on the day
2021
2 d early
2020
31 d late
2019
31 d late
← 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, abbreviated schema
Equity
€789k▲ 5.5%
2024 · €748k
2018: €267k
2020: €527k
2021: €574k
2022: €626k
2023: €698k
2024: €748k
2018 → 2025
Net result
€41k▼ 18.6%
2024 · €50k
2018: €77k
2020: €232k
2021: €47k
2022: €53k
2023: €112k
2024: €50k
2018 → 2025
Total assets
€1.12M▼ 12.8%
2024 · €1.29M
2018: €457k
2020: €857k
2021: €1.11M
2022: €1.07M
2023: €1.09M
2024: €1.29M
2018 → 2025
Solvency
70.4%▲ 12.2pp
2024 · 58.2%
2018: 58.5%
2020: 61.5%
2021: 51.5%
2022: 58.4%
2023: 63.8%
2024: 58.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€574k-€626k▲ 9.2%€698k▲ 11.4%€748k▲ 7.2%€789k▲ 5.5%
Operating result€70k-€64k▼ 9.3%€101k▲ 58.8%€85k▼ 15.7%€106k▲ 24.4%
Net result€47k-€53k▲ 13.0%€112k▲ 112%€50k▼ 54.9%€41k▼ 18.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 24% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.12M
Fixed assets
€578k▲ 27.6%
Current assets
€543k▼ 34.7%
Equity and liabilities €1.12M
Equity
€789k▲ 5.5%
Provisions
€32k▼ 9.5%
Debt
€300k▼ 40.2%
The debt ratio falls from 39.0% to 26.8%: equity grows while debt is paid down.
Key figures and ratios
Solvency
70.4%▲
2024 · 58.2%
ROE
5.2%▼
2024 · 6.7%
ROA
3.7%▼
2024 · 3.9%
Debt
€300k▼
2024 · €502k
Debt ≤ 1 year
€50k▼
2024 · €294k
Debt > 1 year
€237k▲
2024 · €200k
Income taxes
€23k▼
2024 · €32k
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€1.29M€1.12M▼
Fixed assets21/28€453k€578k▲
Tangible fixed assets22/27€253k€216k▼
Land and buildings22€218k€195k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€30k€17k▼
Financial fixed assets28€200k€363k▲
Current assets29/58€832k€543k▼
Amounts receivable after more than one year29€193k€167k▼
Other amounts receivable291€193k€167k▼
Amounts receivable within one year40/41€61k€48k▼
Trade receivables40€47k€46k▼
Other amounts receivable41€14k€2k▼
Current investments50/53€165k€165k=
Cash at bank and in hand54/58€410k€161k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.29M€1.12M▼
Equity10/15€748k€789k▲
Contributions10/11€144k€144k=
Reserves13€604k€590k▼
Non-distributable reserves130/1€165k€165k=
Own shares acquired1312€165k€165k=
Tax-exempt reserves132€143k€130k▼
Distributable reserves133€295k€295k=
Profit (loss) carried forward14€576€55k▲
Provisions and deferred taxes16€36k€32k▼
Deferred taxes168€36k€32k▼
Amounts payable17/49€502k€300k▼
Amounts payable after more than one year17€200k€237k▲
Financial debts170/4€200k€237k▲
Amounts payable within one year42/48€294k€50k▼
Financial debts43€13k€13k▲
Credit institutions430/8€13k€13k▲
Trade debts44€9k€5k▼
Suppliers440/4€9k€5k▼
Taxes, remuneration and social security45€36k€23k▼
Taxes450/3€36k€23k▼
Other amounts payable47/48€237k€10k▼
Accrued charges and deferred income492/3€7k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€38k=
Other operating charges640/8€163-
Non-recurring operating charges66A€264-
Gross operating margin9900€123k€144k▲
Operating profit (loss)9901€85k€106k▲
Financial income75/76B€11k€7k▼
Recurring financial income75€11k€7k▼
Financial charges65/66B€18k€52k▲
Recurring financial charges65€18k€18k▲
Non-recurring financial charges66B-€34k
Profit (loss) for the period before taxes9903€79k€61k▼
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€32k€23k▼
Profit (loss) for the period9904€50k€41k▼
Transfer from tax-exempt reserves789€14k€14k=
Profit (loss) for the period to be appropriated9905€64k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€65k€55k▼
Profit (loss) brought forward from the previous period14P€576€576=
Transfer to equity691/2€64k-
To other reserves6921€64k-
The notes to these accounts (11 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €41k ▼18.6%
Net result drops to €41k, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 10.80
Current ratio from 2.83 to 10.80; short-term debt falls from €294k to €50k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €232k ▲200%
Operating result €301k, net result €232k, both a record.
31-12
Financial
Equity above €500kEq €527k ▲97.3%
2 profitable years in a row build equity to €527k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
17-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 17 days late
2018
11-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 11 days late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Affligem · 1 establishment unit since 2019
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.
Kortestraat 11790 AffligemGround area
655 m²
Building footprint
188 m²
Volume, LiDAR
692 m³
Parcel 23030C0139/00T000, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LORNOY
since 20192.294.317.145
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23030C0139/00T000 | Flanders | 655 m² | 1 · 188 m² | 9.9 m · 1 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
2022 to 2025 · 4 entries · 558 EUR awarded · 558 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 147 EUR | 147 EUR |
| 2024 | 1 | 147 EUR | 147 EUR |
| 2023 | 1 | 132 EUR | 132 EUR |
| 2022 | 1 | 132 EUR | 132 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 801 companies in sector 64999 we hold annual accounts for 482. 266 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-1993
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.