LOCADIF
ActiveSummary
LOCADIF has been active since 1954 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.73M and a net result of €172k. Equity remains stable across the filed fiscal years (±1.9% per year). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €550k at 30 days acceptable
short-term debt: 0.8% and cash: 0.4% of total assets, and 0.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
99.2%
Return on assets
2.2%
Age of the figures
9 mo
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
17 d early
2023
2 d early
2022
200 d late
2021
4 d late
2020
9 d early
2019
55 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€172k▼ 27.4%
2024 · €237k
2018: €42k
2019: €215k
2020: €35k
2021: €10k
2022: €92k
2023: €247k
2024: €237k
2018 → 2025
Working capital
€7.73M▲ 2.3%
2024 · €7.56M
2018: €6.73M
2019: €6.94M
2020: €6.98M
2021: €6.99M
2022: €7.08M
2023: €7.32M
2024: €7.56M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.99M-€7.08M▲ 1.3%€7.32M▲ 3.5%€7.56M▲ 3.2%€7.73M▲ 2.3%
Operating result€-6k-€-21k▼ 275%€-17k▲ 18.6%€5k€-7k
Net result€10k-€92k▲ 854%€247k▲ 169%€237k▼ 3.8%€172k▼ 27.4%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €7.79M
Equity
€7.73M ▲ 2.3%
Debt
€59k ▼ 32.2%
Debt's share of the balance-sheet total falls from 1.1% to 0.8%. Equity is higher and debt is lower.
Key figures and ratios
Debt to equity
0.01▼
2024 · 0.01
ROE
2.2%▼
2024 · 3.1%
ROA
2.2%▼
2024 · 3.1%
Debt ≤ 1 year
€59k▼
2024 · €86k
Income taxes
€64k▼
2024 · €78k
A ratio outside any meaningful range has been withheld (balance sheet total €7.79M, equity €7.73M).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7.65M€7.79M▲
Current assets29/58€7.65M€7.79M▲
Amounts receivable within one year40/41€7.61M€7.76M▲
Other amounts receivable41€7.61M€7.76M▲
Cash at bank and in hand54/58€34k€34k▼
Equity and liabilities
Total equity and liabilities10/49€7.65M€7.79M▲
Equity10/15€7.56M€7.73M▲
Contributions10/11€2.98M€2.98M=
Capital10€2.98M€2.98M=
Issued capital100€2.98M€2.98M=
Reserves13€1.68M€1.68M=
Non-distributable reserves130/1€396k€396k=
Legal reserve130€298k€298k=
Other1319€99k€99k=
Tax-exempt reserves132€1.28M€1.28M=
Profit (loss) carried forward14€2.91M€3.08M▲
Amounts payable17/49€86k€59k▼
Amounts payable within one year42/48€86k€59k▼
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Taxes, remuneration and social security45€79k€57k▼
Taxes450/3€79k€57k▼
Income statement
Code20242025
Operating income70/76A€10k-
Non-recurring operating income76A€10k-
Operating charges60/66A€5k€7k▲
Services and other goods61€5k€7k▲
Operating profit (loss)9901€5k€-7k▼
Financial income75/76B€310k€244k▼
Recurring financial income75€310k€244k▼
Income from current assets751€310k€244k▼
Other financial income752/9€46-
Financial charges65/66B-€63
Recurring financial charges65-€63
Other financial charges652/9-€63
Profit (loss) for the period before taxes9903€315k€236k▼
Income taxes67/77€78k€64k▼
Taxes670/3€79k€64k▼
Tax adjustments and reversals of tax provisions77€1k-
Profit (loss) for the period9904€237k€172k▼
Profit (loss) for the period to be appropriated9905€237k€172k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.91M€3.08M▲
Profit (loss) brought forward from the previous period14P€2.67M€2.91M▲
The notes to these accounts (9 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
16-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 200 days late
2023
31-12
Financial
Highest result since 2018net €247k ▲169%
Net result €247k, the highest in the series.
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 4 days late
2021
31-12
Financial
Weakest financial yearnet €10k ▼72.2%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity times 27current ratio 226.30
Current ratio from 8.54 to 226.30; short-term debt falls from €921k to €31k.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 55 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 2 days late
Show earlier events
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
14-02
State Gazette act
Merger · Accounting effect
Real estate · Proposal deed · Gérard INDEKEU
2016
28-11
State Gazette act
Merger · Accounting effect
Corporate purpose · Gérard INDEKEU
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
24 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, Zaventem · 1 establishment unit since 2015
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.
Ikaroslaan 991930 ZaventemGround area
2.5 ha
Building footprint
4,726 m²
Volume, LiDAR
21,845 m³
Parcel 23772B0089/00D000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ikaroslaan 99, 1930 Zaventem
since 20152.250.416.331
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23772B0089/00D000 | Flanders | 2.5 ha | 1 · 4,725 m² | 8.5 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.
Structure & network
Ownership & control
2 parent companiesControl over this companyparent company per the LEI register2
Brussel
BNP PARIBAS
Paris, France · indirect
controls
LOCADIFBE 0403.419.040
Acquisitions and mergers
1 transactionContributed a branch of activity to:ARVAL BELGIUM
Recognitions · licences · registrations
Legal Entity Identifier
213800VBJGB9U3S5BK46
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-1954
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.