D.I. LEMMA
ActiveD.I. LEMMA has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €12k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 71% of 2004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+17
Solvency90▲+12
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.03 against 2.14 in 2024; short-term debt: 32.9% and cash: 0% of total assets), and 34.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
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
65.5%
Return on assets
17.7%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
21 d early
2023
41 d early
2022
4 d early
2021
31 d early
2020
1 d early
2019
on the day
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€43k▲ 37.1%
2024 · €31k
2018: €35k
2019: €20k
2020: €18k
2021: €19k
2022: €26k
2023: €29k
2024: €31k
2018 → 2025
Total assets
€66k▲ 11.8%
2024 · €59k
2018: €37k
2019: €97k
2020: €35k
2021: €50k
2022: €75k
2023: €74k
2024: €59k
2018 → 2025
Net result
€12k▲ 369%
2024 · €2k
2018: €-16k
2019: €-16k
2020: €-1k
2021: €750
2022: €7k
2023: €3k
2024: €2k
2018 → 2025
Working capital
€44k▲ 40.6%
2024 · €31k
2018: €35k
2019: €18k
2020: €20k
2021: €18k
2022: €26k
2023: €28k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€26k▲ 37.5%€29k▲ 10.6%€31k▲ 8.6%€43k▲ 37.1%
Operating result€2k-€12k▲ 422%€5k▼ 58.7%€5k▲ 0.5%€19k▲ 281%
Net result€750-€7k▲ 853%€3k▼ 61.3%€2k▼ 10.1%€12k▲ 369%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 281% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€117=
Current assets
€66k▲ 11.9%
Equity and liabilities €66k
Equity
€43k▲ 37.1%
Debt
€23k▼ 17.1%
The debt ratio falls from 46.6% to 34.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▲
2024 · €5k
Cash flow
€12k▲
2024 · €3k
Solvency
65.5%▲
2024 · 53.4%
Current ratio
3.03▲
2024 · 2.14
Quick ratio
3.03▲
2024 · 2.14
Debt / equity
0.53▼
2024 · 0.87
ROE
27.0%▲
2024 · 7.9%
ROA
17.7%▲
2024 · 4.2%
Interest coverage
7.40▲
2024 · 6.68
Debt
€23k▼
2024 · €27k
Debt ≤ 1 year
€22k▼
2024 · €27k
Income taxes
€5k▲
2024 · €2k
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€59k€66k▲
Fixed assets21/28€117€117=
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Financial fixed assets28€117€117=
Current assets29/58€59k€66k▲
Amounts receivable within one year40/41€46k€63k▲
Trade receivables40€10k€30k▲
Other amounts receivable41€36k€33k▼
Cash at bank and in hand54/58€11k€0▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€59k€66k▲
Equity10/15€31k€43k▲
Contributions10/11€19k€19k=
Reserves13€13k€24k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€13k€24k▲
Amounts payable17/49€27k€23k▼
Amounts payable within one year42/48€27k€22k▼
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€12k€1k▼
Suppliers440/4€12k€1k▼
Taxes, remuneration and social security45€654€6k▲
Taxes450/3€654€6k▲
Other amounts payable47/48€15k€12k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€440€0▼
Other operating charges640/8€759€2k▲
Gross operating margin9900€6k€21k▲
Operating profit (loss)9901€5k€19k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€806€3k▲
Recurring financial charges65€806€3k▲
Profit (loss) for the period before taxes9903€4k€16k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€2k€12k▲
Profit (loss) for the period to be appropriated9905€2k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€12k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€2k€12k▲
To other reserves6921€2k€12k▲
The notes to these accounts (11 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €12k ▲369%
Operating result €19k, net result €12k, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €750
Net result €750 after 3 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 1996
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.
Dambrugstraat(MEL) 319120 Beveren-Kruibeke-ZwijndrechtGround area
222 m²
Building footprint
166 m²
Volume, LiDAR
1,099 m³
Parcel 46016C0158/00D004, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D.I. LEMMA
since 19962.074.810.204
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46016C0158/00D004 | Flanders | 222 m² | 1 · 166 m² | 10.5 m · 2 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.
Similar companies · same sector, comparable size
WOWWONEN
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P. ROTTHIER
BE 0476.938.211
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AD2KX
BE 0735.618.702
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Silke Bos Interieurarchitect
BE 1003.142.326
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,068 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-1996
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
46150Agents in the wholesale of furniture, household goods and hardware
46494Wholesale of non-electrical household articles
51150
51471
71121Engineering and related technical consultancy, excluding land surveyors
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.