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 18 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 6.9 to 6.1.
Financials
Financial year 2025
LO - FINANCE from Lochristi, company number BE0655860352, closed financial year 2025 with a result of € 168,839 after tax. For that financial year LO - FINANCE recorded a gross margin of € 1.1 million and equity of € 106,838. Compared with financial year 2024, the result moved from € 154,233 to € 168,839. Profitable, and profit is growing. 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 August 5, 2026.
€ 106,838
▲ 57% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 168,839
▲ 9% vs 2024
Profit after tax over the fiscal year.
€ 14,533
▼ 85% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 130,000 paid out
77 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
6.1
▼ 0.5 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 597,563
▲ 4% vs 2024
€ 98,000 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 7,688
▼ 59% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.3 million
▼ 24% vs 2024
€ 224,156 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 98,143
▲ 47% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 64,908
▼ 16% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 732,185 | € 573,151 | € 1,079,716 | € 1,058,807 | ▼ 2% |
| Profit after taxes | € 43,162 | € 655,734 | € 154,233 | € 168,839 | ▲ 9% |
| Equity | € 20,461 | € 37,124 | € 67,999 | € 106,838 | ▲ 57% |
| Total debts | € 923,896 | € 2,257,911 | € 1,923,909 | € 1,665,482 | ▼ 13% |
| Cash | € 62,441 | € 30,137 | € 98,411 | € 14,533 | ▼ 85% |
| Retained profit | € 1,861 | € 18,524 | € 49,399 | € 88,238 | ▲ 79% |
| Dividend | € 240,234 | € 639,071 | € 123,358 | € 130,000 | ▲ 5% |
| Bank debt | € 476,304 | € 1,982,393 | € 1,710,129 | € 1,305,605 | ▼ 24% |
| Balance sheet total | € 944,356 | € 2,295,035 | € 1,991,908 | € 1,772,320 | ▼ 11% |
| Employees (FTE) | 6.9 | 6.9 | 6.6 | 6.1 | ▼ 0.5 |
Key figures of LO - FINANCE, 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 LO - FINANCE?
What happened at LO - FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 168,839 (▲ 9% vs 2024). filed late Source: NBB ↗
- New establishment in Lokeren. KBO
- New establishment in Lochristi. KBO
- Start of the company according to the CBE. KBO
In short
From € 43,162 profit in 2022 to € 168,839 profit in 2025.
Paid € 339,035 in corporate taxes since 2022.
Best year ever: 2023, with € 655,734 profit.
On average € 173,600 of value added per employee in 2025.
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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
The stake of MICAMA, MG MANAGEMENT & INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
LO - FINANCEBehind LO - FINANCE are Micama Besloten vennootschap, MG Management & Invest Besloten vennootschap and Malo Invest Besloten vennootschap. The shares are held by MICAMA (40%) and MG MANAGEMENT & INVEST (10%).
Directors
According to the 2025 annual accounts
Director · represented by Kurt De Blieck
Also active at: ZELZATE FINANCE
MG Management & Invest Besloten vennootschap
Director · represented by Mathieu Godfroid
Malo Invest Besloten vennootschap
Director · represented by Frederic Van Bruyssel
Also active at: ZELZATE FINANCE
Shareholders
40%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Dorp-Oost 19
9080 Lochristi
Markt 58
9160 Lokeren
Active since 1 February 2023
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
- 0655.860.352
- VAT number
- BE 0655.860.352
- Registered office
- Dorp-Oost 19, 9080 Lochristi
- Names & denominations
- LO - FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 May 2016
- Peppol
- Active · Active since 31 Oct 2023
- Activities · NACE
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