Collard & Lambert
ActiveSummary
Collard & Lambert has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €277k and a net result of €59k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 49% of 4809 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability77▲+4
Solvency54▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days only on tighter terms
Liquidity ample (current ratio 3.47 against 1.9 in 2023; short-term debt: 10.3% and cash: 12.4% of total assets), but 70.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
153 d late
2023
62 d late
2022
30 d late
2021
99 d late
2020
82 d late
2019
92 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€59k▲ 106%
2023 · €29k
Working capital
€239k▲ 78.3%
2023 · €134k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€23k▼ 19.7%€58k▲ 147%€52k▼ 10.0%€51k▼ 2.4%€95k▲ 86.0%
Net result€15k▼ 19.9%€30k▲ 105%€27k▼ 9.7%€29k▲ 4.4%€59k▲ 106%
Equity€132k▲ 12.6%€162k▲ 23.0%€190k▲ 16.9%€218k▲ 15.1%€277k▲ 27.0%
Total assets€259k▲ 8.2%€1.00M▲ 286%€938k▼ 6.2%€875k▼ 6.8%€941k▲ 7.5%
Debt€127k▲ 3.9%€838k▲ 558%€749k▼ 10.7%€657k▼ 12.3%€664k▲ 1.1%
Working capital€119k▲ 9.9%€191k▲ 60.1%€139k▼ 27.0%€134k▼ 3.6%€239k▲ 78.3%
Staff (FTE)0.5▼ 50.0%1▲ 100%2.4▲ 140%2.4=2.4=
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 86% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €941k
Fixed assets
€605k ▲ 2.2%
Current assets
€336k ▲ 18.8%
Equity and liabilities €941k
Equity
€277k ▲ 27.0%
Debt
€664k ▲ 1.1%
Debt's share of the balance-sheet total falls from 75.1% to 70.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€146k▲
2023 · €95k
Cash flow
€110k▲
2023 · €72k
Current ratio
3.47▲
2023 · 1.90
Debt to equity
2.40▼
2023 · 3.01
ROE
21.2%▲
2023 · 13.1%
ROA
6.3%▲
2023 · 3.3%
Interest coverage
11.98▲
2023 · 7.14
Debt ≤ 1 year
€97k▼
2023 · €149k
Debt > 1 year
€567k▲
2023 · €508k
Income taxes
€24k▲
2023 · €14k
Staff costs
€140k▼
2023 · €145k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €34k | €116k | €145k | €140k | ▼ 3.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25k | €98k | €36k | €44k | €51k | ▲ 17.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €37k | - | - |
| Other operating charges640/8 | - | €9k | €8k | €15k | €18k | ▲ 17.4% |
| Gross operating margin9900 | €68k | €199k | €212k | €292k | €304k | ▲ 4.4% |
| Operating profit (loss)9901 | €23k | €58k | €52k | €51k | €95k | ▲ 86.0% |
| Financial income75/76B | - | €278 | €19 | €5k | €6 | ▼ 99.9% |
| Recurring financial income75 | €20 | €278 | €19 | €5k | €6 | ▼ 99.9% |
| Financial charges65/66B | - | €15k | €12k | €13k | €12k | ▼ 8.0% |
| Recurring financial charges65 | €2k | €15k | €12k | €13k | €12k | ▼ 8.0% |
| Profit (loss) for the period before taxes9903 | €22k | €43k | €40k | €43k | €83k | ▲ 92.9% |
| Income taxes67/77 | €7k | €13k | €13k | €14k | €24k | ▲ 66.8% |
| Profit (loss) for the period9904 | €15k | €30k | €27k | €29k | €59k | ▲ 106% |
| Profit (loss) for the period to be appropriated9905 | €15k | €30k | €27k | €29k | €59k | ▲ 106% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €259k | €1.00M | €938k | €875k | €941k | ▲ 7.5% |
| Fixed assets21/28 | €30k | €591k | €598k | €592k | €605k | ▲ 2.2% |
| Tangible fixed assets22/27 | €30k | €591k | €598k | €592k | €605k | ▲ 2.2% |
| Land and buildings22 | - | €557k | €541k | €526k | €510k | ▼ 3.0% |
| Plant, machinery and equipment23 | - | €7k | €6k | €4k | €4k | ▼ 9.8% |
| Furniture and vehicles24 | - | €28k | €51k | €61k | €90k | ▲ 46.7% |
| Financial fixed assets28 | €77 | €77 | €77 | €77 | €77 | = |
| Current assets29/58 | €229k | €409k | €340k | €283k | €336k | ▲ 18.8% |
| Amounts receivable within one year40/41 | €189k | €291k | €182k | €186k | €219k | ▲ 17.2% |
| Trade receivables40 | - | €283k | €172k | €134k | €166k | ▲ 24.3% |
| Other amounts receivable41 | - | €8k | €10k | €53k | €53k | ▼ 0.8% |
| Cash at bank and in hand54/58 | €38k | €119k | €158k | €96k | €117k | ▲ 21.5% |
| Deferred charges and accrued income490/1 | - | - | - | €411 | €740 | ▲ 80.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €259k | €1.00M | €938k | €875k | €941k | ▲ 7.5% |
| Equity10/15 | €132k | €162k | €190k | €218k | €277k | ▲ 27.0% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Capital10 | - | €6k | €6k | €6k | - | - |
| Issued capital100 | - | €19k | €19k | €19k | - | - |
| Uncalled capital101 | - | €12k | €12k | €12k | - | - |
| Outside capital11 | - | - | - | - | €6k | - |
| Other1109/19 | - | - | - | - | €6k | - |
| Reserves13 | €109k | €134k | €159k | €187k | €267k | ▲ 42.8% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €133k | €158k | €185k | €265k | ▲ 43.2% |
| Profit (loss) carried forward14 | €16k | €22k | €24k | €25k | €4k | ▼ 84.6% |
| Amounts payable17/49 | €127k | €838k | €749k | €657k | €664k | ▲ 1.1% |
| Amounts payable after more than one year17 | €17k | €620k | €548k | €508k | €567k | ▲ 11.6% |
| Financial debts170/4 | - | €620k | €548k | €508k | €567k | ▲ 11.6% |
| Amounts payable within one year42/48 | €110k | €219k | €201k | €149k | €97k | ▼ 34.9% |
| Current portion of amounts payable after more than one year42 | - | €23k | €44k | €61k | €3k | ▼ 94.9% |
| Trade debts44 | €61k | €109k | €76k | - | €2k | - |
| Suppliers440/4 | - | €109k | €76k | - | €2k | - |
| Taxes, remuneration and social security45 | - | €80k | €41k | €28k | €40k | ▲ 41.5% |
| Taxes450/3 | - | €70k | €32k | €20k | €21k | ▲ 4.0% |
| Remuneration and social security454/9 | - | €11k | €9k | €8k | €19k | ▲ 139% |
| Other amounts payable47/48 | - | €7k | €40k | €60k | €52k | ▼ 13.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15k | €30k | €27k | €29k | €59k | ▲ 106% |
| + Depreciation and write-downs630 | €25k | €98k | €36k | €44k | €51k | ▲ 17.4% |
| Operating cash flow (approximation) | €40k | €128k | €63k | €72k | €110k | ▲ 52.4% |
| Investment in fixed assets (approximation) | - | €-659k | €-43k | €-37k | €-64k | ▼ 71.6% |
| Change in cash | - | €81k | €39k | €-62k | €21k | ▲ 133% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 153 days late
2024
31-12
Financial
Highest result since 2018net €59k ▲106%
Operating result €95k, net result €59k, both a record.
01-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 62 days late
2023
31-12
Financial
Equity above €200kEq €218k ▲15.1%
6 profitable years in a row build equity to €218k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
07-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 99 days late
2021
31-12
Financial
Equity above €150kEq €162k ▲23%
4 profitable years in a row build equity to €162k.
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
31-12
Financial
Weakest financial yearnet €15k ▼19.9%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 309 days late
2019
31-12
Financial
Equity above €100kEq €117k ▲18.7%
2 profitable years in a row build equity to €117k.
Show earlier events
2018
27-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 119 days late
2017
29-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 121 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Watermaal-Bosvoorde · 1 establishment unit since 2013
Ground area
4,139 m²
Building footprint
1,380 m²
Volume, LiDAR
25,045 m³
Parcel 21017D0043/00T000, Brussels · tallest building 40.5 m, ±5 floors. Linked by address, not a title deed.
16
companies at this address
See who is registered here
1 establishment unit
Ijsvogellaan 19, 1170 Watermaal-Bosvoorde
since 20132.221.628.513
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0043/00T000 | Brussels | 4,139 m² | 1 · 1,380 m² | 40.5 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,698 companies in sector 68121 we hold annual accounts for 7,384. 5,205 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded30-05-2013
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
68121Development of residential building projects
Contact
E-mail
yves@collardetlambert.beWatermaal-Bosvoorde
Scores and ratios are computed by Checked and are not a credit decision.