Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 2 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
LOVANI from Leuven, company number BE0455475277, closed financial year 2025 with a result of € 20,488 after tax. For that financial year LOVANI recorded a gross margin of € 433,176 and equity of € 315,630. Compared with financial year 2024, the result moved from € 23,169 to € 20,488. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on April 15, 2026.
€ 315,630
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 20,488
▼ 12% vs 2024
Profit after tax over the fiscal year.
€ 13,195
▼ 66% 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 € -264,370.
Debts at end 2025
€ 4.2 million
▼ 6% vs 2024
€ 306,494 is repaid this year. At this pace the long-term loan is gone in ≈ 13 years.
€ 17,288
▼ 22% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,000
▼ 28% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 326,717 | € 368,071 | € 464,427 | € 433,176 | ▼ 7% |
| Profit after taxes | € 4,956 | € -49,981 | € 23,169 | € 20,488 | ▼ 12% |
| Equity | € 321,955 | € 271,973 | € 295,142 | € 315,630 | ▲ 7% |
| Total debts | € 4,625,462 | € 5,051,982 | € 5,048,786 | € 4,777,281 | ▼ 5% |
| Cash | € 18,100 | € 23,720 | € 39,376 | € 13,195 | ▼ 66% |
| Land & buildings | € 4,974,374 | € 5,336,216 | € 5,131,683 | € 4,899,975 | ▼ 5% |
| Retained profit | € -258,045 | € -308,027 | € -284,858 | € -264,370 | ▲ € 20,488 |
| Bank debt | € 4,060,824 | € 4,505,208 | € 4,472,133 | € 4,196,705 | ▼ 6% |
| Balance sheet total | € 4,999,316 | € 5,369,912 | € 5,382,736 | € 5,124,570 | ▼ 5% |
Key figures of LOVANI, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to LOVANI?
What happened at LOVANI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 20,488 (▼ 12% vs 2024). Source: NBB ↗
- GEERT FERSON became a director. NBB
- New establishment in Leuven. KBO
- ANNICK SCHROOTEN became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 4,956 profit in 2022 to € 20,488 profit in 2025.
Best year ever: 2024, with € 23,169 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind LOVANI are GEERT FERSON and ANNICK SCHROOTEN. It owns 100% of MASS itself.
Directors
According to the 2025 annual accounts
since 2006
ANNICK SCHROOTEN
Director
since 1995
Establishments
Establishment units
Physical locations of this company
Pereboomstraat 20
3000 Leuven
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0455.475.277
- VAT number
- BE 0455.475.277
- Registered office
- Pereboomstraat 20, 3000 Leuven
- Names & denominations
- LOVANI
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 3 July 1995
- Peppol
- Active · Active since 31 Dec 2025
- Activities · NACE
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