ACTIVE

LOVIC

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Financial year 2025 · closed on 31/12/2025

Net result

11,1 k €

-83.9% YoY

Gross margin

1,3 M €

+0.5% YoY

Equity

3,3 M €

+0.3% YoY

Workforce

17,0 ETP

-4.5% YoY

What does LOVIC do?

LOVIC is a Public limited company incorporated in 2001. Its main activity is: Retail sale of other household equipment in specialised stores. Its registered office is in Braine-le-Château. It employs on average 17,0 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0474.324.258

Incorporation

15/03/2001

Legal form

Public limited company

Registered office

Chaussée de Tubize(W-B) 254
1440 Braine-le-Château · WallonieSee on map

Contributed capital

1 062 000,00 €

Latest accounts

31/12/2025

Average workforce

17,0 ETP

Activities (NACE)

47551Retail sale of other household equipment in specialised stores· main 47591Retail sale of furniture, lighting equipment and other household articles in specialised stores 52441Warehousing and support activities for transportation

Joint committees (3)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	1,3 M €	+0.5%	1,3 M €	-23.0%	1,7 M €	+51.6%	1,1 M €	-61.5%	3 M €	+145%	1,2 M €	+45.8%	831,9 k €	-9.4%	918,6 k €	+6.2%	864,7 k €	-24.7%	1,1 M €	+16.3%	986,8 k €	+50.7%	654,8 k €	+48.1%	442 k €	-19.9%	551,9 k €	+21.6%	454 k €	+7.8%	421,1 k €	-0.1%	421,7 k €	+10.0%	383,2 k €	-12.6%	438,3 k €	+26.8%	345,7 k €
EBITDA	252,3 k €	-19.1%	311,7 k €	-51.6%	644,3 k €	+199%	215,8 k €	-87.3%	1,7 M €	+157%	660,2 k €	+217%	208,3 k €	-47.1%	393,5 k €	+12.6%	349,4 k €	-42.3%	606 k €	+4.7%	578,7 k €	+72.4%	335,7 k €	+57.4%	213,4 k €	-21.3%	271,2 k €	+54.6%	175,4 k €	-0.1%	175,7 k €	-7.9%	190,8 k €	+5.3%	181,3 k €	-33.0%	270,5 k €	+24.0%	218,2 k €
Operating result	-10,7 k €	-126%	40,9 k €	-89.7%	395,9 k €	+788%	-57,5 k €	-104%	1,4 M €	+266%	389,6 k €	+1275%	-33,1 k €	-123%	146,1 k €	+51.4%	96,5 k €	-74.5%	378,8 k €	+54.0%	245,9 k €	+12.9%	217,8 k €	+64.1%	132,7 k €	-24.4%	175,6 k €	+68.3%	104,3 k €	-10.0%	115,9 k €	-19.7%	144,5 k €	+7.9%	133,9 k €	-36.9%	212,3 k €	+16.9%	181,7 k €
Net result	11,1 k €	-83.9%	68,7 k €	-77.3%	302,2 k €	+11530%	-2,6 k €	-100%	1 M €	+240%	295 k €	+18914%	-1,6 k €	-101%	108,8 k €	+55.5%	69,9 k €	-74.0%	269,2 k €	+49.8%	179,8 k €	+2.4%	175,5 k €	+59.4%	110,1 k €	-22.5%	142,1 k €	+41.5%	100,4 k €	+0.6%	99,8 k €	-19.1%	123,4 k €	+7.0%	115,3 k €	-26.2%	156,4 k €	+11.6%	140,1 k €
Balance sheet
Equity	3,3 M €	+0.3%	3,3 M €	+2.1%	3,3 M €	+3.2%	3,2 M €	-0.8%	3,2 M €	+40.6%	2,3 M €	+28.0%	1,8 M €	-0.1%	1,8 M €	+6.5%	1,7 M €	+4.4%	1,6 M €	+16.8%	1,4 M €	+14.1%	1,2 M €	+263%	329,7 k €	-67.5%	1 M €	+14.6%	884,2 k €	+11.6%	792,4 k €	-0.0%	792,6 k €	+14.5%	692,2 k €	+16.4%	594,8 k €	+28.9%	461,5 k €
Total assets	5,7 M €	+4.7%	5,4 M €	-6.6%	5,8 M €	-4.5%	6,1 M €	-12.8%	7 M €	+21.6%	5,7 M €	+38.3%	4,1 M €	+4.6%	3,9 M €	+0.1%	3,9 M €	+3.4%	3,8 M €	+6.2%	3,6 M €	+54.0%	2,3 M €	+31.7%	1,8 M €	+4.7%	1,7 M €	+6.9%	1,6 M €	+14.0%	1,4 M €	+5.1%	1,3 M €	+6.6%	1,2 M €	+3.4%	1,2 M €	+29.8%	924,1 k €
Cash	966,5 k €	-7.3%	1 M €	+0.1%	1 M €	-38.9%	1,7 M €	+8.1%	1,6 M €	-15.0%	1,9 M €	+133%	797,1 k €	+25.7%	634,2 k €	+5.7%	600,1 k €	-30.0%	857,6 k €	+63.0%	526 k €	-23.8%	690,2 k €	+15.0%	600,4 k €	-11.5%	678,3 k €	+35.0%	502,3 k €	+8.7%	462,3 k €	+10.2%	419,4 k €	+55.6%	269,6 k €	-2.6%	276,7 k €	+29.1%	214,3 k €
Debts	2,3 M €	+11.7%	2,1 M €	-18.0%	2,5 M €	-12.9%	2,9 M €	-22.7%	3,7 M €	+8.3%	3,5 M €	+46.2%	2,4 M €	+8.5%	2,2 M €	-4.4%	2,3 M €	+4.2%	2,2 M €	-1.7%	2,2 M €	+96.4%	1,1 M €	-21.2%	1,4 M €	+126%	636 k €	-6.7%	681,5 k €	+15.5%	589,9 k €	+15.7%	510 k €	-3.7%	529,6 k €	-7.9%	575 k €	+32.1%	435,4 k €
Other
Workforce	17,0 ETP	-4.5%	17,8 ETP	0.0%	17,8 ETP	+2.9%	17,3 ETP	+1.2%	17,1 ETP	+11.8%	15,3 ETP	+11.7%	13,7 ETP	+7.9%	12,7 ETP	0.0%	12,7 ETP	0.0%	12,7 ETP	+24.5%	10,2 ETP	+21.4%	8,4 ETP	+27.3%	6,6 ETP	-14.3%	7,7 ETP	-17.2%	9,3 ETP	+22.4%	7,6 ETP	-5.0%	8,0 ETP	+2.6%	7,8 ETP	+36.8%	5,7 ETP	+23.9%	4,6 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 4 active · 9 ended

Active mandates

Antoine SEMAL

Director · until 11 juin 2023

Active

Jean-Philippe SEMAL

Managing director

Active

Mercedes THONON

Mandate

Active

ROYALE INVEST & CREDIT

Mandate · 0445.648.583

Represented by LOÏC SEMAL

Active

Ended mandates

Antoine SEMAL

Director · since 01 octobre 2011 · until 11 juin 2017

Ended

Mercedes THONON

Director · since 20 avril 2004 · until 19 avril 2010

Ended

Jean-Philippe SEMAL

Managing director · until 25 juin 2013

Ended

Jean-Philippe SEMAL

Managing director · until 11 juin 2017

Ended

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	23/07/2026	25/07/2025	15/07/2024	17/10/2023	21/10/2022	02/08/2021
General meeting	22/06/2026	23/06/2025	24/06/2024	09/10/2023	12/10/2022	30/06/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

21 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	22/06/2026	23/07/2026	French	PDF
Abridged modelCorrection	31/12/2024	23/06/2025	25/07/2025	French	PDF
Abridged model	31/12/2024	23/06/2025	16/07/2025	French	PDF
Abridged model	31/12/2023	24/06/2024	15/07/2024	French	PDF
Abridged model	31/12/2022	09/10/2023	17/10/2023	French	PDF
Abridged model	31/12/2021	12/10/2022	21/10/2022	French	PDF
Abridged model	31/12/2020	30/06/2021	02/08/2021	French	PDF
Abridged model	31/12/2019	02/06/2020	23/07/2020	French	PDF
Abridged model	31/12/2018	03/06/2019	22/07/2019	French	PDF
Abridged model	31/12/2017	30/08/2018	31/08/2018	French	PDF
Abridged model	31/12/2016	24/07/2017	28/08/2017	French	PDF
Abridged model	31/12/2015	08/09/2016	13/09/2016	French	PDF
Abridged model	31/12/2014	18/06/2015	29/06/2015	French	PDF
Abridged model	31/12/2013	17/09/2014	22/09/2014	French	PDF
Abridged model	31/12/2012	03/06/2013	06/06/2013	French	PDF
Abridged model	31/12/2011	25/05/2012	31/07/2012	French	PDF
Abridged model	31/12/2010	30/07/2011	01/08/2011	French	PDF
Abridged model	31/12/2009	27/07/2010	29/07/2010	French	PDF
Abridged model	31/12/2008	31/07/2009	07/08/2009	French	PDF
Abridged model	31/12/2007	30/06/2008	23/07/2008	French	PDF
Abridged model	31/12/2006	25/06/2007	05/07/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 4 active · 9 ended

Active mandates

Antoine SEMAL

Director · until 11 juin 2023

Active

Jean-Philippe SEMAL

Managing director

Active

Mercedes THONON

Mandate

Active

ROYALE INVEST & CREDIT

Mandate · 0445.648.583

Represented by LOÏC SEMAL

Active

Ended mandates

Antoine SEMAL

Director · since 01 octobre 2011 · until 11 juin 2017

Ended

Mercedes THONON

Director · since 20 avril 2004 · until 19 avril 2010

Ended

Jean-Philippe SEMAL

Managing director · until 25 juin 2013

Ended

Jean-Philippe SEMAL

Managing director · until 11 juin 2017

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates25/07/2024
DEMISSIONS, NOMINATIONS
PDF
Registered office02/04/2024
SIEGE SOCIAL
PDF
Mandates13/11/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates13/11/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates28/12/2021
DEMISSIONS, NOMINATIONS
PDF
Capital / shares14/12/2020
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - CAPITAL, ACTIONS
PDF
Mandates23/04/2018
DEMISSIONS, NOMINATIONS
PDF
Registered office28/12/2016
SIEGE SOCIAL
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 202511,1 k €↓
2024
Annual accounts 202468,7 k €↓
2023
Annual accounts 2023302,2 k €↑
2022
Annual accounts 2022-2,6 k €↓
2021
Annual accounts 20211 M €↑
2020
Annual accounts 2020295 k €↑
2019
Annual accounts 2019-1,6 k €↓
2018
Annual accounts 2018108,8 k €↑
2017
Annual accounts 201769,9 k €↓
2016
Annual accounts 2016269,2 k €↑
2015
Annual accounts 2015179,8 k €↑
2014
Annual accounts 2014175,5 k €↑
2013
Annual accounts 2013110,1 k €↓
2012
Annual accounts 2012142,1 k €↑
2011
Annual accounts 2011100,4 k €↑
2010
Annual accounts 201099,8 k €↓
2009
Annual accounts 2009123,4 k €↑
2008
Annual accounts 2008115,3 k €↓
2007
Annual accounts 2007156,4 k €↑
2006
Annual accounts 2006140,1 k €
15/03/2001
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

LOVIC

Overview

What does LOVIC do?

Trend over 20 financial years

Indicative valuation

Board of directors

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline