Casa LEMA
ActiveCasa LEMA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €8k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 16% of 10289 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-6
Solvency30▼-4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.99 in 2024; short-term debt: 43.4% and cash: 3.4% of total assets), and 94.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
5.1%
Return on assets
0.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 10289 sector peers (2025).
NBB · sector comparisonPosition among 10289 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
52 d early
2024
24 d early
2023
2 d early
2022
12 d early
2021
3 d early
2020
24 d late
2019
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€59k▼ 49.3%
2024 · €115k
2018: €36k
2019: €57k
2020: €76k
2021: €82k
2022: €108k
2023: €93k
2024: €115k
2018 → 2025
Total assets
€1.14M▼ 7.2%
2024 · €1.23M
2018: €690k
2019: €653k
2020: €699k
2021: €636k
2022: €601k
2023: €560k
2024: €1.23M
2018 → 2025
Net result
€8k▼ 62.5%
2024 · €22k
2018: €21k
2019: €21k
2020: €21k
2021: €8k
2022: €27k
2023: €-15k
2024: €22k
2018 → 2025
Working capital
€-68k▼ 1,513%
2024 · €-4k
2018: €-62k
2019: €-40k
2020: €98
2021: €221
2022: €7k
2023: €13k
2024: €-4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€108k▲ 30.8%€93k▼ 13.8%€115k▲ 24.2%€59k▼ 49.3%
Operating result€16k-€41k▲ 163%€27k▼ 34.3%€60k▲ 124%€52k▼ 13.0%
Net result€8k-€27k▲ 242%€-15k€22k€8k▼ 62.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€715k▼ 5.5%
Current assets
€429k▼ 9.9%
Equity and liabilities €1.14M
Equity
€59k▼ 49.3%
Debt
€1.09M▼ 2.9%
The debt ratio rises from 90.6% to 94.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€95k▼
2024 · €120k
Cash flow
€51k▼
2024 · €83k
Solvency
5.1%▼
2024 · 9.4%
Current ratio
0.86▼
2024 · 0.99
Quick ratio
0.09▼
2024 · 0.13
Debt / equity
18.55▲
2024 · 9.67
ROE
14.4%▼
2024 · 19.5%
ROA
0.7%▼
2024 · 1.8%
Interest coverage
2.32▼
2024 · 2.91
Debt
€1.09M▼
2024 · €1.12M
Debt ≤ 1 year
€497k▲
2024 · €480k
Debt > 1 year
€584k▼
2024 · €632k
Income taxes
€3k▼
2024 · €4k
Staff costs
€6k▼
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.23M€1.14M▼
Fixed assets21/28€756k€715k▼
Intangible fixed assets21€40k€12k▼
Tangible fixed assets22/27€166k€152k▼
Land and buildings22€150k€144k▼
Plant, machinery and equipment23€1k€802▼
Furniture and vehicles24€1k€917▼
Leasing and similar rights25€11k€3k▼
Other tangible fixed assets26€2k€3k▲
Financial fixed assets28€551k€551k=
Current assets29/58€476k€429k▼
Stocks and contracts in progress3€414k€387k▼
Stocks30/36€414k€387k▼
Amounts receivable within one year40/41€47k-
Trade receivables40€3k-
Other amounts receivable41€44k-
Current investments50/53€248€248=
Cash at bank and in hand54/58€11k€39k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.14M▼
Equity10/15€115k€59k▼
Contributions10/11€50k€50k=
Reserves13€65k€9k▼
Distributable reserves133€65k€9k▼
Amounts payable17/49€1.12M€1.09M▼
Amounts payable after more than one year17€632k€584k▼
Financial debts170/4€632k€584k▼
Amounts payable within one year42/48€480k€497k▲
Current portion of amounts payable after more than one year42€51k€48k▼
Financial debts43€285k€285k=
Credit institutions430/8€285k€285k=
Trade debts44€108k€96k▼
Suppliers440/4€108k€96k▼
Taxes, remuneration and social security45€19k€35k▲
Taxes450/3€18k€35k▲
Remuneration and social security454/9€1k€489▼
Other amounts payable47/48€19k€33k▲
Accrued charges and deferred income492/3€5k€5k=
Income statement
Code20242025
Remuneration, social security and pensions62€6k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€43k▼
Other operating charges640/8€5k€3k▼
Gross operating margin9900€131k€104k▼
Operating profit (loss)9901€60k€52k▼
Financial income75/76B€8k€455▼
Recurring financial income75€8k€455▼
Financial charges65/66B€41k€41k▼
Recurring financial charges65€41k€41k▼
Profit (loss) for the period before taxes9903€27k€12k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€22k€8k▼
Profit (loss) for the period to be appropriated9905€22k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€8k▼
Transfer from equity791/2-€65k
Transfer to equity691/2€22k€8k▼
To other reserves6921€22k€8k▼
Profit to be distributed694/7-€65k
Return on contributions (dividend)694-€65k
Social balance
Average headcount (FTE)90870.10.1=
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Equity above €100kEq €115k ▲24.2%
Equity rises from €93k to €115k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-15k ▼155%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €27k ▲242%
Net result €27k, the highest in the series.
31-12
Financial
Equity above €100kEq €108k ▲30.8%
5 profitable years in a row build equity to €108k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Dendermonde · 1 establishment unit since 2016
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Brusselsestraat (DEN) 139200 DendermondeGround area
62 m²
Building footprint
62 m²
Volume, LiDAR
813 m³
Parcel 42006D0279/00T000, Flanders · tallest building 14.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Casa LEMA
since 20162.254.546.452
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42006D0279/00T000 | Flanders | 62 m² | 1 · 62 m² | 14.3 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 2,016 companies in sector 47770 we hold annual accounts for 898. 666 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2016
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:filip@juweliersmaris.be
Phone:0499549344