Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 7 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
LOC - INVEST from Torhout, company number BE0431600906, closed financial year 2025 with a result of € 149,902 after tax. For that financial year LOC - INVEST recorded a gross margin of € 561,818 and equity of € 1.6 million. Compared with financial year 2024, the result moved from € 95,345 to € 149,902. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on November 12, 2025.
€ 1.6 million
▲ 10% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 149,902
▲ 57% vs 2024
Profit after tax over the fiscal year.
€ 30,881
▼ 5% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 834,817.
People and assets in 2025
€ 85,891
▼ 32% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 2,344
▼ 38% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 138,600
▼ 59% vs 2024
Loans from banks and other lenders, long and short.
€ 12,825
▲ 99% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 68,122
▲ 128% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 441,192 | € 502,373 | € 494,893 | € 561,818 | ▲ 14% |
| Profit after taxes | € 51,121 | € 69,699 | € 95,345 | € 149,902 | ▲ 57% |
| Equity | € 1,319,872 | € 1,389,571 | € 1,484,915 | € 1,634,817 | ▲ 10% |
| Total debts | € 1,085,641 | € 871,780 | € 675,297 | € 519,481 | ▼ 23% |
| Cash | € 115,629 | € 47,571 | € 32,532 | € 30,881 | ▼ 5% |
| Land & buildings | € 2,138,308 | € 2,173,459 | € 2,084,337 | € 2,084,768 | |
| Retained profit | € 519,872 | € 589,571 | € 684,915 | € 834,817 | ▲ 22% |
| Dividend | € 188,589 | € 0 | € 0 | € 0 | |
| Bank debt | € 771,221 | € 556,326 | € 341,199 | € 138,600 | ▼ 59% |
| Balance sheet total | € 2,408,619 | € 2,264,243 | € 2,162,890 | € 2,156,763 |
Key figures of LOC - INVEST, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to LOC - INVEST?
What happened at LOC - INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Katrien Beselaere stepped down as director. NBB
- Mathilde Volcke stepped down as director. NBB
- Victoria Volcke stepped down as director. NBB
- Amelie Volcke stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 149,902 (▲ 57% vs 2024). Source: NBB ↗
- Katrien Beselaere became a director. NBB
- Mathilde Volcke became a director. NBB
- Victoria Volcke became a director. NBB
In short
From € 51,121 profit in 2022 to € 149,902 profit in 2025.
Paid € 177,590 in corporate taxes since 2022.
Best year ever: 2025, with € 149,902 profit.
Paid out € 188,589 in dividends to the owners in total.
Management
Directors
According to the 2025 annual accounts
since 2020 · until 2026
Mathilde Volcke
Director
since 2020 · until 2026
Victoria Volcke
Director
since 2020 · until 2026
Amelie Volcke
Director
since 2020 · until 2026
Establishments
Establishment units
Physical locations of this company
Keibergstraat 82
8820 Torhout
Keibergstraat 72
8820 Torhout
Active since 31 July 1987
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0431.600.906
- VAT number
- BE 0431.600.906
- Registered office
- Keibergstraat 82, 8820 Torhout
- Names & denominations
- LOC - INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 15 July 1987
- Peppol
- Active · Active since 15 Oct 2025
- Activities · NACE
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Verhuur van woningen, exclusief sociale woningen