LOUMAX · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of LOUMAX is 0.9% (low). The 2025 annual accounts show equity of €28k and a net result of €-10k. Equity is growing by ~50.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 1362 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

1 signal · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 95% of 1362 peers (2025). A comfortable equity buffer.

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	31-01-2026	on the day	2026-00025733
30-06-2024	31-01-2025	03-02-2025	3 d late	2025-00028922
30-06-2023	31-01-2024	30-01-2024	1 d early	2024-00012688
30-06-2022	31-01-2023	29-01-2023	2 d early	2023-00011174

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.9% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-10k

Working capital€28k-88.8%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 31-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~50.1%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	100.0%	22.9%	better than 95% of 1362 sector peers
Net result	€-10k	€10k	better than 19% of 1360 sector peers
Equity	€28k	€44k	better than 42% of 1363 sector peers
Gross operating margin	€-6k	€39k	better than 10% of 1360 sector peers
Total assets	€28k	€293k	better than 9% of 1362 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P95

Improving position over 2022-2025 · n=1362-4969

Net result P19

Stable position over 2022-2025 · n=1360-4961

Equity P42

Stable position over 2022-2025 · n=1363-4972

Gross operating margin P10

Stable position over 2022-2025 · n=1360-4955

Describes the position versus peers, not a forecast.

Net profit

€-10k

- 22-25

Total assets

€28k

-91.0% 22-25

Equity

€28k

-26.5% 22-25

Working capital

€28k

-88.8% 22-25

Income taxes

€7k

- 22-25

Debt

€10

-100.0% 22-25

Debt ≤ 1y

€10

-100.0% 22-25

Debt > 1y

€204k

+15.9% 22-25

Show 6 other metrics

Current ratio

2715.43

+53205.3% 22-25

Quick ratio

2715.43

+53205.3% 22-25

Solvency

100.0%

+714.5% 22-25

Debt / equity

0.00

-100.0% 22-25

ROE

-36.0%

- 22-25

ROA

-36.0%

- 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€-10k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€28k
Equity	€28k
Debt	€10
of which ≤ 1y	€10
of which > 1y	-
Working capital	€28k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2715.43
Quick ratio	2715.43
Working capital ratio	100.0%
Solvency	100.0%
Debt / equity	0.00
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	-36.0%
ROE	-36.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Equity & liabilities

Equity €28k · 100.0% Debt €10 · 0.0%

Full annual accounts (18 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€28k
Current assets	29/58	€28k
Amounts receivable within one year	40/41	€36
Cash & bank	54/58	€28k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€28k
Equity	10/15	€28k
Contributions / capital	10/11	€10k
Reserves	13	€28k
Accumulated profits (losses)	14	€-10k
Amounts payable	17/49	€10
Amounts payable within one year	42/48	€10
Trade debts payable within one year	44	€10
Income statement
Gross operating margin	9900	€-6k
Operating result	9901	€-6k
Financial charges	65	€4k
Result before taxes	9903	€-10k
Net result for the period	9904	€-10k
Result to be appropriated	9905	€-10k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

62 / 100 Healthy

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

1 director

2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Former directors (1)

Chris Van de Walle
Director
State Gazette act 25038020 (21-03-2025)

Former
- → 14-02-2025

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Ontwikkeling van residentiële bouwprojecten(68121)
Legal form	Private limited company(610)
Incorporation	12-03-2021
Status	Active
Postal code	1840

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

3 companies at this address See who is registered here

Establishment units

1 location

LOUMAX

Maldersesteenweg 28, 1840 LonderzeelOntwikkeling van residentiële bouwprojecten

since 20212.315.182.340

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area2,120 m²

Buildings1

Building footprint169 m²

Volume (LiDAR)1,092 m³

Tallest building8.7 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)