DR. ISABELLE LAMBERT
ActiveSummary
DR. ISABELLE LAMBERT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.05M and a net result of €119k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 92% of 16618 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▲+3
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 24.12 against 24.83 in 2024; short-term debt: 4.1% and cash: 12.5% of total assets), and 4.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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
95.7%
Return on assets
10.9%
Age of the figures
9 mo
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
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 30-04-2026, 92 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
92 d early
2024
122 d early
2023
84 d early
2022
81 d early
2021
5 d early
2020
45 d early
2019
64 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.05M▲ 1.4%
2024 · €1.03M
2018: €933klowest in 8 years
2019: €1.01M▲ +8.1% vs 2018
2020: €1.23M▲ +22.2% vs 2019highest in 8 years
2021: €1.15M▼ -6.4% vs 2020
2022: €1.10M▼ -4.6% vs 2021
2023: €1.12M▲ +1.5% vs 2022
2024: €1.03M▼ -7.5% vs 2023
2025: €1.05M▲ +1.4% vs 2024
2018 → 2025
Total assets
€1.09M▲ 1.5%
2024 · €1.08M
2018: €990klowest in 8 years
2019: €1.14M▲ +15.3% vs 2018
2020: €1.31M▲ +14.3% vs 2019highest in 8 years
2021: €1.23M▼ -5.7% vs 2020
2022: €1.14M▼ -7.1% vs 2021
2023: €1.16M▲ +1.4% vs 2022
2024: €1.08M▼ -7.0% vs 2023
2025: €1.09M▲ +1.5% vs 2024
2018 → 2025
Net result
€119k▲ 28.6%
2024 · €92k
2018: €176k
2019: €176k▼ -0.2% vs 2018
2020: €224k▲ +27.5% vs 2019highest in 8 years
2021: €142k▼ -36.7% vs 2020
2022: €73k▼ -48.5% vs 2021lowest in 8 years
2023: €87k▲ +18.9% vs 2022
2024: €92k▲ +6.3% vs 2023
2025: €119k▲ +28.6% vs 2024
2018 → 2025
Working capital
€1.04M▲ 2.1%
2024 · €1.02M
2018: €894klowest in 8 years
2019: €988k▲ +10.5% vs 2018
2020: €1.23M▲ +24.5% vs 2019highest in 8 years
2021: €1.15M▼ -6.3% vs 2020
2022: €1.08M▼ -6.5% vs 2021
2023: €1.10M▲ +1.6% vs 2022
2024: €1.02M▼ -7.1% vs 2023
2025: €1.04M▲ +2.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.15M-€1.10M▼ 4.6%€1.12M▲ 1.5%€1.03M▼ 7.5%€1.05M▲ 1.4%
2021: €1.15Mhighest in 5 years
2022: €1.10M▼ -4.6% vs 2021
2023: €1.12M▲ +1.5% vs 2022
2024: €1.03M▼ -7.5% vs 2023lowest in 5 years
2025: €1.05M▲ +1.4% vs 2024
Operating result€217k-€106k▼ 51.0%€126k▲ 18.5%€100k▼ 20.2%€142k▲ 41.3%
2021: €217khighest in 5 years
2022: €106k▼ -51.0% vs 2021
2023: €126k▲ +18.5% vs 2022
2024: €100k▼ -20.2% vs 2023lowest in 5 years
2025: €142k▲ +41.3% vs 2024
Net result€142k-€73k▼ 48.5%€87k▲ 18.9%€92k▲ 6.3%€119k▲ 28.6%
2021: €142khighest in 5 years
2022: €73k▼ -48.5% vs 2021lowest in 5 years
2023: €87k▲ +18.9% vs 2022
2024: €92k▲ +6.3% vs 2023
2025: €119k▲ +28.6% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 41% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€10k ▼ 39.7%
Current assets
€1.08M ▲ 2.2%
Equity and liabilities €1.09M
Equity
€1.05M ▲ 1.4%
Debt
€47k ▲ 4.6%
Debt's share of the balance-sheet total rises from 4.2% to 4.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€149k▲
2024 · €107k
Cash flow
€126k▲
2024 · €99k
Current ratio
24.12▼
2024 · 24.83
Debt to equity
0.04▲
2024 · 0.04
ROE
11.3%▲
2024 · 8.9%
ROA
10.9%▲
2024 · 8.6%
Interest coverage
70.61▲
2024 · 47.47
Debt ≤ 1 year
€45k▲
2024 · €43k
Income taxes
€49k▲
2024 · €46k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.08M€1.09M▲
Fixed assets21/28€17k€10k▼
Tangible fixed assets22/27€17k€10k▼
Furniture and vehicles24€15k€9k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€1.06M€1.08M▲
Amounts receivable within one year40/41€19k€17k▼
Trade receivables40€13k€17k▲
Other amounts receivable41€6k€0▼
Current investments50/53€928k€903k▼
Cash at bank and in hand54/58€95k€137k▲
Deferred charges and accrued income490/1€18k€26k▲
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.09M▲
Equity10/15€1.03M€1.05M▲
Contributions10/11€12k€12k=
Reserves13€1.02M€1.03M▲
Tax-exempt reserves132€0-
Distributable reserves133€1.02M€1.03M▲
Profit (loss) carried forward14€481€481=
Amounts payable17/49€45k€47k▲
Amounts payable within one year42/48€43k€45k▲
Trade debts44€30€30▲
Suppliers440/4€30€30▲
Taxes, remuneration and social security45€16k€17k▲
Taxes450/3€16k€17k▲
Other amounts payable47/48€26k€28k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€108k€150k▲
Operating profit (loss)9901€100k€142k▲
Financial income75/76B€40k€29k▼
Recurring financial income75€40k€29k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€138k€168k▲
Income taxes67/77€46k€49k▲
Profit (loss) for the period9904€92k€119k▲
Transfer from tax-exempt reserves789€63k€0▼
Profit (loss) for the period to be appropriated9905€155k€119k▼
Appropriation of the result
Profit (loss) to be appropriated9906€156k€119k▼
Profit (loss) brought forward from the previous period14P€481€481=
Transfer from equity791/2€176k€105k▼
Transfer to equity691/2€155k€119k▼
To other reserves6921€155k€119k▼
Profit to be distributed694/7€176k€105k▼
Return on contributions (dividend)694€176k€105k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €3k | €6k | €6k | €7k | ▲ 10.5% |
| Other operating charges640/8 | €1k | €1k | €1k | €1k | €1k | ▲ 3.4% |
| Gross operating margin9900 | €220k | €111k | €133k | €108k | €150k | ▲ 39.0% |
| Operating profit (loss)9901 | €217k | €106k | €126k | €100k | €142k | ▲ 41.3% |
| Financial income75/76B | €3k | €3k | €4k | €40k | €29k | ▼ 28.3% |
| Recurring financial income75 | €3k | €3k | €4k | €40k | €29k | ▼ 28.3% |
| Financial charges65/66B | €883 | €7k | €-1k | €2k | €2k | ▼ 6.2% |
| Recurring financial charges65 | €883 | €7k | €-1k | €2k | €2k | ▼ 6.2% |
| Profit (loss) for the period before taxes9903 | €219k | €102k | €130k | €138k | €168k | ▲ 22.0% |
| Income taxes67/77 | €77k | €29k | €44k | €46k | €49k | ▲ 8.7% |
| Profit (loss) for the period9904 | €142k | €73k | €87k | €92k | €119k | ▲ 28.6% |
| Transfer from tax-exempt reserves789 | €62k | €0 | €71k | €63k | €0 | ▼ 100% |
| Transfer to tax-exempt reserves689 | €0 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €204k | €73k | €158k | €155k | €119k | ▼ 23.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.23M | €1.14M | €1.16M | €1.08M | €1.09M | ▲ 1.5% |
| Fixed assets21/28 | €1k | €23k | €21k | €17k | €10k | ▼ 39.7% |
| Tangible fixed assets22/27 | €1k | €23k | €21k | €17k | €10k | ▼ 39.7% |
| Plant, machinery and equipment23 | €0 | - | - | - | - | - |
| Furniture and vehicles24 | €1k | €23k | €21k | €15k | €9k | ▼ 40.4% |
| Other tangible fixed assets26 | - | - | - | €2k | €1k | ▼ 35.0% |
| Current assets29/58 | €1.23M | €1.12M | €1.14M | €1.06M | €1.08M | ▲ 2.2% |
| Amounts receivable within one year40/41 | €22k | €27k | €18k | €19k | €17k | ▼ 10.4% |
| Trade receivables40 | €22k | €19k | €15k | €13k | €17k | ▲ 30.9% |
| Other amounts receivable41 | - | €9k | €3k | €6k | €0 | ▼ 100% |
| Current investments50/53 | €148k | €144k | €948k | €928k | €903k | ▼ 2.7% |
| Cash at bank and in hand54/58 | €1.06M | €947k | €171k | €95k | €137k | ▲ 44.8% |
| Deferred charges and accrued income490/1 | €2k | €1k | €851 | €18k | €26k | ▲ 42.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.23M | €1.14M | €1.16M | €1.08M | €1.09M | ▲ 1.5% |
| Equity10/15 | €1.15M | €1.10M | €1.12M | €1.03M | €1.05M | ▲ 1.4% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves13 | €1.14M | €1.09M | €1.10M | €1.02M | €1.03M | ▲ 1.4% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Tax-exempt reserves132 | €134k | €134k | €63k | €0 | - | - |
| Distributable reserves133 | €1.00M | €951k | €1.04M | €1.02M | €1.03M | ▲ 1.4% |
| Profit (loss) carried forward14 | €481 | €481 | €481 | €481 | €481 | = |
| Amounts payable17/49 | €77k | €43k | €43k | €45k | €47k | ▲ 4.6% |
| Amounts payable within one year42/48 | €76k | €42k | €43k | €43k | €45k | ▲ 5.2% |
| Trade debts44 | €17k | €27 | €29 | €30 | €30 | ▲ 2.3% |
| Suppliers440/4 | €17k | €27 | €29 | €30 | €30 | ▲ 2.3% |
| Taxes, remuneration and social security45 | €30k | €12k | €17k | €16k | €17k | ▲ 2.9% |
| Taxes450/3 | €26k | €9k | €17k | €16k | €17k | ▲ 2.9% |
| Remuneration and social security454/9 | €4k | €4k | €0 | - | - | - |
| Other amounts payable47/48 | €29k | €29k | €26k | €26k | €28k | ▲ 6.6% |
| Accrued charges and deferred income492/3 | €979 | €1k | €0 | €2k | €2k | ▼ 6.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €142k | €73k | €87k | €92k | €119k | ▲ 28.6% |
| + Depreciation and write-downs630 | €2k | €3k | €6k | €6k | €7k | ▲ 10.5% |
| Operating cash flow (approximation) | €143k | €76k | €93k | €99k | €126k | ▲ 27.4% |
| Investment in fixed assets (approximation) | - | €-25k | €-4k | €-2k | €0 | ▲ 100% |
| Change in cash | - | €-110k | €-776k | €-77k | €42k | ▲ 155% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €73k ▼48.5%
Net result drops to €73k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €224k ▲27.5%
Operating result €306k, net result €224k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 18.15
Current ratio from 8.45 to 18.15; short-term debt falls from €133k to €72k.
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €1MEq €1.01M ▲8.1%
2 profitable years in a row build equity to €1.01M.
10-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Lokeren · 1 establishment unit since 2011
Ground area
225 m²
Building footprint
85 m²
Volume, LiDAR
21 m³
Parcel 46383D1177/00Z000, Flanders · tallest building 3.8 m. Linked by address, not a title deed.
1 establishment unit
Dr. Isabelle Lambert
since 20112.195.853.633
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46383D1177/00Z000 | Flanders | 225 m² | 1 · 85 m² | 3.8 m |
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 16,625 companies in sector 86220 we hold annual accounts for 7,979. 5,703 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
Founded12-01-2011
Fiscal year end31-12
Abbreviation NL
Dr. I. Lambert
Activities, NACEBEL 2025
86220Specialist medical practice
Scores and ratios are computed by Checked and are not a credit decision.