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Complete company report
Generated 11-08-2026
Active BE 0770.979.556Private limited company

5LMN

Chaussée de Namur 5 ·5310 Eghezée, Belgium· 5 yrs active
Sector: Retail trade (47551)
Conclusion Checked

The computed 12-month bankruptcy probability of 5LMN is 3.9% (moderate). The 2025 annual accounts show negative equity (€-130k) and a net result of €-61k. Equity is shrinking by ~72.1% per year across the filed fiscal years. Its solvency ranks better than 6% of 1408 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €-130k
Net result €-61k
Better than sector 6%
Active 5 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health7Profitability100Solvency33Growth32Stability94
53 / 100

Mixed profile: strong on profitability, weaker on health.

All 5 axes are computed from data Checked has read.

Health 7
Profitability 100
Solvency 33
Growth 32
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
3.9% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
7 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview4 NBB filings
Annual accounts filed on 11-05-2026 with the NBB · fiscal year 2025 · micro
€-80k€-60k€-40k€-20k€0Operating result 2022: €-37k€-37kNet result 2022: €-36k€-36kOperating result 2023: €-15k€-15kNet result 2023: €-15k€-15kOperating result 2024: €-36k€-36kNet result 2024: €-36k€-36kOperating result 2025: €-51k€-51kNet result 2025: €-61k€-61k2022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~72.1%/year over 4 fiscal years, indicative, assuming unchanged policy.
€-300k€-200k€-100k€02026: €-153k (€-173k - €-133k)2027: €-189k (€-221k - €-157k)2028: €-226k (€-270k - €-181k)2022: €-18k2023: €-33k2024: €-68k2025: €-130k2022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -191.9% 23.8%
better than 6% of 1408 sector peers
Net result €-61k €8k
better than 5% of 1405 sector peers
Equity €-130k €26k
better than 5% of 1409 sector peers
Gross operating margin €-40k €36k
better than 5% of 1402 sector peers
Total assets €68k €133k
better than 31% of 1409 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-41k
-682.2% 22-25
Net profit
€-61k
-72.3% 22-25
Cash flow
€-52k
-954.0% 22-25
Total assets
€68k
-60.7% 22-25
Equity
€-130k
-89.8% 22-25
Working capital
€-148k
-18.8% 22-25
Income taxes
€3
+307.1% 22-25
Debt
€197k
-18.0% 22-25
Debt ≤ 1y
€197k
-18.0% 22-25
Current ratio
0.25
-48.3% 22-25
Quick ratio
0.21
-28.7% 22-25
Solvency
-191.9%
-383.2% 22-25
Debt / equity
-1.52
+56.8% 22-25
ROE
47.3%
-9.2% 22-25
ROA
-90.8%
-338.7% 22-25
Interest coverage
-201.01
-1461.6% 22-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€-41k
Net profit€-61k
Cash flow€-52k
Staff costs-
Income taxes€3
Dividends-
Total assets€68k
Equity€-130k
Debt€197k
of which ≤ 1y€197k
of which > 1y-
Working capital€-148k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.25
Quick ratio0.21
Working capital ratio-219.3%
Solvency-191.9%
Debt / equity-1.52
Long-term debt ratio-
Interest coverage-201.01
Gross margin-
Net margin-
ROA-90.8%
ROE47.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€68k
Fixed assets 21/28€19k
Tangible fixed assets 22/27€18k
Financial fixed assets 28€108
Current assets 29/58€49k
Stocks & contracts in progress 3€8k
Amounts receivable within one year 40/41€490
Cash & bank 54/58€40k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€68k
Equity 10/15€-130k
Contributions / capital 10/11€19k
Accumulated profits (losses) 14€-148k
Amounts payable 17/49€197k
Amounts payable within one year 42/48€197k
Trade debts payable within one year 44€1k
Income statement
Gross operating margin 9900€-40k
Operating result 9901€-51k
Financial income 75€49
Financial charges 65€205
Result before taxes 9903€-61k
Income taxes 67/77€3
Net result for the period 9904€-61k
Result to be appropriated 9905€-61k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Former directors (2)
  • Renaud CONSTANT
    Director
    State Gazette act 25378379 (18-12-2025)
    Former
    - → 31-12-2025
  • Louise HUTEREAU
    Director
    State Gazette act 25301141 (07-01-2025)
    Former
    - → 31-12-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Retail trade(47551)
Legal form Private limited company(610)
Incorporation09-07-2021
StatusActive
Postal code5310
Establishment units 1 location
5 ELEMENTS
Chaussée de Namur,Leuze 5, 5310 EghezéeDetailhandel in huishoudtextiel en beddengoed
since 20212.319.940.585
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92035B0082/00X000 Wallonia 195 m² 1 · 114 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 7 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
11-05-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
18-12-2025
State Gazette act Director changes
v3.2
03-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
07-01-2025
State Gazette act Director changes
v3.2
2024
17-09-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
22-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2021
13-07-2021
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 3 acts
All acts · 3 updated 7 months ago
2025
18-12-2025 Renaud CONSTANT resigns as director Director changes
  • Renaud CONSTANT, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Renaud CONSTANT",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-12-31",
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale a d\u00E9cid\u00E9 de mettre fin \u00E0 la fonction d\u2019administrateur de Monsieur Renaud CONSTANT, avec effet \u00E0 la date du 31/12/2025. L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cidera \u00E0 la prochaine assembl\u00E9e g\u00E9n\u00E9rale annuelle sur la d\u00E9charge \u00E0 l\u2019 administrateur d\u00E9missionnaire pour l\u2019ex\u00E9cution de son mandat."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0770.979.556",
    "name_full": "5LMN",
    "legal_form": "SRL"
  }
}
07-01-2025 Louise HUTEREAU resigns as director Director changes
  • Louise HUTEREAU, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Louise HUTEREAU",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2024-12-31",
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale a d\u00E9cid\u00E9 de mettre fin \u00E0 la fonction d\u2019administrateur de Madame Louise HUTEREAU, avec effet \u00E0 la date du 31/12/2024."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0770.979.556",
    "name_full": "5LMN",
    "legal_form": "SRL"
  }
}
2021
13-07-2021 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "Chauss\u00E9e de Namur 5, 5310 Eghez\u00E9e",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1963-04-01",
        "name": "Renaud CONSTANT",
        "niss": null,
        "address": "Namur"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 200,
      "holder_person_name": "Renaud CONSTANT",
      "is_subscriber_only": false,
      "n_shares_subscribed": 20,
      "amount_subscribed_eur": 200,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1964-09-19",
        "name": "Eric COLLUMBIEN",
        "niss": null,
        "address": "Bujumbura (Burundi)"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 200,
      "holder_person_name": "Eric COLLUMBIEN",
      "is_subscriber_only": false,
      "n_shares_subscribed": 20,
      "amount_subscribed_eur": 200,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1967-04-13",
        "name": "Didier HUTEREAU",
        "niss": null,
        "address": "Ixelles"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 200,
      "holder_person_name": "Didier HUTEREAU",
      "is_subscriber_only": false,
      "n_shares_subscribed": 20,
      "amount_subscribed_eur": 200,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1962-01-06",
        "name": "Brigitte COLLUMBIEN",
        "niss": null,
        "address": "Li\u00E8ge"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 200,
      "holder_person_name": "Brigitte COLLUMBIEN",
      "is_subscriber_only": false,
      "n_shares_subscribed": 20,
      "amount_subscribed_eur": 200,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1996-09-02",
        "name": "Louise HUTEREAU",
        "niss": null,
        "address": "Ixelles"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 200,
      "holder_person_name": "Louise HUTEREAU",
      "is_subscriber_only": false,
      "n_shares_subscribed": 20,
      "amount_subscribed_eur": 200,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 1000,
  "subject_company": {
    "kbo": "0770.979.556",
    "name_full": "5LMN",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2021-07-08",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Detailhandel in huismeubilair47551Detailhandel in huismeubilair in gespecialiseerde winkels47591Detailhandel in huishoudtextiel en beddengoed in gespecialiseerde winkels47512Detailhandel in huishoudtextiel en beddengoed47512Detailhandel in elektrische huishoudapparaten in gespecialiseerde winkels47540Detailhandel in elektrische huishoudapparaten47540Detailhandel in verlichtingsartikelen47552Detailhandel in glas-, porselein- en aardewerk en in niet-elektrische huishoudelijke artikelen47553Detailhandel in verlichtingsartikelen in gespecialiseerde winkels47592Detailhandel in glas-, porselein- en aardewerk en in niet-elektrische huishoudelijke artikelen in gespecialiseerde winkels47593Activiteiten van interieurdecorateurs74104Interieurontwerp74130
Primary activity highlighted.
Names & trade names
Legal nameFR 5LMN
Registered office
Chaussée de Namur 5
5310 Eghezée, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative