DR LALMAND CMF

Active

Private limited companyfounded 20224 yrs activeWaterstraat 41, 1653 Beersel, BelgiumKBO/BCE: BE 0786.380.780

The computed 12-month bankruptcy probability of DR LALMAND CMF is 2.5% (moderate). The 2025 annual accounts show equity of €5k and a net result of €158k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2025

47 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability79▼-21

Solvency26▼-74

Growth32▼-20

Track record94

Bankruptcy probability, 12 months

2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

1.3%

Return on assets

42.3%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-03-2026, 127 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

127 d early

2024

73 d early

2023

55 d early

2022

26 d early

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€5k▼ 99.0%

2024 · €526k

2022: €183k 2023: €353k 2024: €526k

2022 → 2025

Total assets

€373k▼ 32.5%

2024 · €552k

2022: €255k 2023: €426k 2024: €552k

2022 → 2025

Net result

€158k▼ 8.8%

2024 · €173k

2022: €178k 2023: €170k 2024: €173k

2022 → 2025

Working capital

€-8k

2024 · €511k

2022: €183k 2023: €337k 2024: €511k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€183k-€353k▲ 92.8%€526k▲ 49.0%€5k▼ 99.0%

Operating result€231k-€220k▼ 5.0%€220k=€296k▲ 34.8%

Net result€178k-€170k▼ 4.6%€173k▲ 1.9%€158k▼ 8.8%

Turnover and EBIT margin not published: the 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 35% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €373k

96.5%

Fixed assets €13k▼ 13.0%

Current assets €359k▼ 33.0%

Equity and liabilities €373k

98.7%

Equity €5k▼ 99.0%

Debt €368k▲ 1,297%

The debt ratio rises from 4.8% to 98.7%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€300k▲

2024 · €223k

Cash flow

€162k▼

2024 · €176k

Solvency

1.3%▼

2024 · 95.2%

Current ratio

0.98▼

2024 · 20.55

Quick ratio

0.98▼

2024 · 20.55

Debt / equity

73.50▲

2024 · 0.05

ROA

42.3%▲

2024 · 31.3%

Interest coverage

3.49▼

2024 · 59.00

Debt

€368k▲

2024 · €26k

Debt ≤ 1 year

€368k▲

2024 · €26k

Income taxes

€56k▲

2024 · €52k

A ratio outside any meaningful range has been withheld (balance sheet total €373k, equity €5k).

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€552k€373k▼

Fixed assets21/28€15k€13k▼

Intangible fixed assets21€1k€927▼

Tangible fixed assets22/27€14k€12k▼

Furniture and vehicles24€11k€10k▼

Other tangible fixed assets26€3k€2k▼

Current assets29/58€537k€359k▼

Amounts receivable within one year40/41€104k€0▼

Other amounts receivable41€104k€0▼

Current investments50/53€321k€187k▼

Cash at bank and in hand54/58€69k€126k▲

Deferred charges and accrued income490/1€43k€47k▲

Equity and liabilities

Total equity and liabilities10/49€552k€373k▼

Equity10/15€526k€5k▼

Contributions10/11€5k€5k=

Profit (loss) carried forward14€521k€0▼

Amounts payable17/49€26k€368k▲

Amounts payable within one year42/48€26k€368k▲

Financial debts43€245€109▼

Credit institutions430/8-€109

Other loans439€245€0▼

Trade debts44€693€754▲

Suppliers440/4€693€754▲

Taxes, remuneration and social security45€25k€22k▼

Taxes450/3€25k€22k▼

Remuneration and social security454/9€500€0▼

Other amounts payable47/48€0€345k▲

Accrued charges and deferred income492/3€177€4▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲

Other operating charges640/8€4k€3k▼

Gross operating margin9900€227k€303k▲

Operating profit (loss)9901€220k€296k▲

Financial income75/76B€9k€3k▼

Recurring financial income75€9k€3k▼

Financial charges65/66B€4k€86k▲

Recurring financial charges65€4k€86k▲

Profit (loss) for the period before taxes9903€225k€213k▼

Income taxes67/77€52k€56k▲

Profit (loss) for the period9904€173k€158k▼

Profit (loss) for the period to be appropriated9905€173k€158k▼

Appropriation of the result

Profit (loss) to be appropriated9906€521k€678k▲

Profit (loss) brought forward from the previous period14P€348k€521k▲

Profit to be distributed694/7-€678k

Return on contributions (dividend)694-€678k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 8Financial 4Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

26-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €158k ▼8.8%

Net result drops to €158k, the lowest in the series.

19-05

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Liquidity quadruplescurrent ratio 20.55

Current ratio from 5.60 to 20.55; short-term debt falls from €73k to €26k.

31-12

Financial Equity above €500kEq €526k ▲49%

3 profitable years in a row build equity to €526k.

06-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Equity above €200kEq €353k ▲92.8%

2 profitable years in a row build equity to €353k.

05-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Beersel · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Waterstraat 411653 Beersel

Ground area

5,382 m²

Building footprint

418 m²

Volume, LiDAR

7,028 m³

2 parcels, Brussels, Flanders · tallest building 25.5 m, ±7 floors. Linked by address, not a title deed.

1 establishment unit

DR LALMAND CMF

Alsembergse Steenweg 221, 1190 VorstSpecialist medical practice

since 20222.340.527.351

2 parcels

Flanders 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21383B0049/00R011	Brussels	4,506 m²	1 · 297 m²	25.5 m · 7 fl.
23017E0801/00L000	Flanders	876 m²	1 · 121 m²	10.5 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Legal Entity Identifier

984500E745E10D6A5B31

no longer live in the LEI register

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-05-2022

Fiscal year end31-12

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.