DE LOMBAERT GUY
ActiveDE LOMBAERT GUY has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €875k and a net result of €90k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 86% of 272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-7
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 7.22 against 34.55 in 2024; short-term debt: 12.5% and cash: 48.6% of total assets), and 17.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
82.1%
Return on assets
8.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €875k
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
29 d late
2023
29 d late
2022
24 d late
2021
11 d early
2020
17 d late
2019
30 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€875k▲ 1.7%
2024 · €861k
2018: €812k
2019: €754k
2020: €636k
2021: €632k
2022: €721k
2023: €730k
2024: €861k
2018 → 2025
Total assets
€1.07M▲ 15.2%
2024 · €926k
2018: €940k
2019: €1.05M
2020: €1.01M
2021: €862k
2022: €916k
2023: €962k
2024: €926k
2018 → 2025
Net result
€90k▼ 31.0%
2024 · €131k
2018: €99k
2019: €76k
2020: €97k
2021: €121k
2022: €182k
2023: €108k
2024: €131k
2018 → 2025
Working capital
€832k▲ 10.8%
2024 · €751k
2018: €822k
2019: €748k
2020: €634k
2021: €530k
2022: €631k
2023: €592k
2024: €751k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€632k-€721k▲ 14.0%€730k▲ 1.2%€861k▲ 17.9%€875k▲ 1.7%
Operating result€171k-€257k▲ 50.1%€151k▼ 41.2%€185k▲ 23.0%€125k▼ 32.8%
Net result€121k-€182k▲ 50.3%€108k▼ 40.8%€131k▲ 21.3%€90k▼ 31.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.07M
Fixed assets
€101k▼ 33.9%
Current assets
€966k▲ 24.9%
Equity and liabilities €1.07M
Equity
€875k▲ 1.7%
Debt
€191k▲ 194%
The debt ratio rises from 7.0% to 17.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€176k▼
2024 · €243k
Cash flow
€142k▼
2024 · €189k
Solvency
82.1%▼
2024 · 93.0%
Current ratio
7.22▼
2024 · 34.55
Quick ratio
5.42▼
2024 · 25.21
Debt / equity
0.22▲
2024 · 0.08
ROE
10.3%▼
2024 · 15.2%
ROA
8.5%▼
2024 · 14.1%
Interest coverage
63.09▼
2024 · 86.25
Debt
€191k▲
2024 · €65k
Debt ≤ 1 year
€134k▲
2024 · €22k
Debt > 1 year
€43k=
2024 · €43k
Income taxes
€37k▼
2024 · €56k
Staff costs
€350k▲
2024 · €305k
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€926k€1.07M▲
Fixed assets21/28€153k€101k▼
Tangible fixed assets22/27€153k€101k▼
Land and buildings22€12k€11k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€137k€86k▼
Current assets29/58€773k€966k▲
Amounts receivable after more than one year29-€51k
Other amounts receivable291-€51k
Stocks and contracts in progress3€209k€241k▲
Stocks30/36€209k€191k▼
Contracts in progress37€0€51k▲
Amounts receivable within one year40/41€117k€155k▲
Trade receivables40€104k€131k▲
Other amounts receivable41€13k€24k▲
Cash at bank and in hand54/58€445k€518k▲
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€926k€1.07M▲
Equity10/15€861k€875k▲
Contributions10/11€109k€109k=
Reserves13€752k€767k▲
Tax-exempt reserves132€36k€36k=
Distributable reserves133€716k€731k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€65k€191k▲
Amounts payable after more than one year17€43k€43k=
Other amounts payable178/9€43k€43k=
Amounts payable within one year42/48€22k€134k▲
Trade debts44€11k€57k▲
Suppliers440/4€11k€57k▲
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€7k€0▼
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€2k€72k▲
Accrued charges and deferred income492/3-€15k
Income statement
Code20242025
Remuneration, social security and pensions62€305k€350k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€52k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€551k€530k▼
Operating profit (loss)9901€185k€125k▼
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€187k€128k▼
Income taxes67/77€56k€37k▼
Profit (loss) for the period9904€131k€90k▼
Profit (loss) for the period to be appropriated9905€131k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€131k€90k▼
Transfer from equity791/2€0€76k▲
Transfer to equity691/2€131k€90k▼
To other reserves6921€131k€90k▼
Profit to be distributed694/7€0€76k▲
Return on contributions (dividend)694€0€76k▲
Social balance
Average headcount (FTE)90876.38.7▲
The notes to these accounts (10 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Liquidity times 8current ratio 34.55
Current ratio from 4.13 to 34.55; short-term debt falls from €189k to €22k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
31-12
Financial
Highest result since 2018net €182k ▲50.3%
Operating result €257k, net result €182k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 17 days late
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €76k ▼23.6%
Net result drops to €76k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-07
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
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, Geraardsbergen · 1 establishment unit since 2000
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.
Groteweg(Ove) 5249500 GeraardsbergenGround area
2,088 m²
Building footprint
1,229 m²
Volume, LiDAR
5,605 m³
Parcel 41056A0138/00T000, Flanders · tallest building 10.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Groteweg(Ove) 524, 9500 Geraardsbergen
since 20002.099.645.766
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41056A0138/00T000 | Flanders | 2,088 m² | 1 · 1,229 m² | 10.4 m · 1 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
2023 to 2025 · 2 entries · 1,722 EUR awarded · 1,722 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,287 EUR | 1,287 EUR |
| 2023 | 1 | 435 EUR | 435 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
5 categoriesDE LOMBAERT GUY BV34729
Dual-learning approval
1 live approvalDaktimmerman duaal (so)
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Of 1,600 companies in sector 16230 we hold annual accounts for 782. 475 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2000
Fiscal year end31-12
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
20300
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.