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 39 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Black and Bike Loverval from Charleroi, company number BE0671889207, closed financial year 2025 with a result of € -228 after tax. For that financial year Black and Bike Loverval recorded a gross margin of € 135,271 and equity of € 142,856. Compared with financial year 2024, the result moved from € 22,661 to € -228. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ 142,856
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -228
▼ still € 22,661 profit in 2024
Profit after tax over the fiscal year.
€ 74,692
▲ 154% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 127,856.
People and assets in 2025
3
▲ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 110,066
▼ 9% vs 2024
€ 36,700 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.
€ 1,350
▼ 69% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 169,900
▼ 7% vs 2024
€ 8,572 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 155,366
▲ 2% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 45,925
▲ 62% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 182,094 | € 121,161 | € 176,175 | € 135,271 | ▼ 23% |
| Profit after taxes | € 38,947 | € -31,271 | € 22,661 | € -228 | ▼ € 22,889 |
| Equity | € 151,694 | € 120,423 | € 143,084 | € 142,856 | |
| Total debts | € 469,727 | € 501,478 | € 393,374 | € 473,193 | ▲ 20% |
| Cash | € 7,806 | € 57,587 | € 29,372 | € 74,692 | ▲ 154% |
| Retained profit | € 136,694 | € 105,423 | € 128,084 | € 127,856 | |
| Dividend | € 20,000 | € 0 | € 0 | € 0 | |
| Bank debt | € 186,082 | € 197,093 | € 182,864 | € 169,900 | ▼ 7% |
| Balance sheet total | € 621,421 | € 621,901 | € 536,458 | € 616,049 | ▲ 15% |
| Employees (FTE) | - | 3 | 2.8 | 3 | ▲ 0.2 |
Key figures of Black and Bike Loverval, 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 Black and Bike Loverval?
What happened at Black and Bike Loverval in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 228 (▼ € 22,889 vs 2024). Source: NBB ↗
- New establishment in Gerpinnes. KBO
- Start of the company according to the CBE. KBO
In short
From € 38,947 profit in 2022 to € 228 loss in 2025.
Paid € 5,715 in corporate taxes since 2022.
Best year ever: 2022, with € 38,947 profit.
On average € 45,100 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 BLACK AND LL comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Black and Bike LovervalBehind Black and Bike Loverval are BLACK AND LL SA and L for L SRL. The shares are held by BLACK AND LL (100%).
Directors
According to the 2025 annual accounts
Director · represented by Sébastien Bertrand
Also active at: Black and Bike Mons, Black and Bike Wavre
Director · represented by Laurent Louyet
Also active at: LOUYET LIEGE, Louyet Verviers, LOUYET WAVRE, GARAGE THIRY SPRL, LA DYLE BIKE, LOUYET NAMA, LOUYET OVERIJSE, LOUYET MARIEMBOURG +24 more
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue de Mons 80
6000 Charleroi
Chaussée de Philippeville(LOV) 144A
6280 Gerpinnes
Active since 13 March 2017
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
- 0671.889.207
- VAT number
- BE 0671.889.207
- Registered office
- Rue de Mons 80, 6000 Charleroi
- Names & denominations
- Black and Bike Loverval
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 February 2017
- Peppol
- Active · Active since 17 Dec 2025
- Activities · NACE
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