ETS. J.L. LAMBERT
ActiveETS. J.L. LAMBERT has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €1.11M and a net result of €130k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 83% of 139 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2026
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability80▲+4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 6.18 against 7.05 in 2025; short-term debt: 14.2% and cash: 17.9% of total assets), and 20.8% 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 2026Solvency, return and age of the figures
Solvency
79.2%
Return on assets
9.3%
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 01-01-2026 was due by 01-08-2026 and was filed on 16-07-2026, 16 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2026
16 d early
2025
45 d early
2024
49 d early
2023
8 d late
2022
7 d early
2021
94 d early
2020
46 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 01-01-2027 and is due by 01-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today01-01-2027 close01-08-2027 deadline
Financials · fiscal year 2026, full schema
Turnover
€3.50M
EBIT margin
3.0%
Net result
€130k▲ 75.1%
2025 · €74k
2019: €-66k
2020: €-90k
2021: €103k
2022: €151k
2023: €85k
2024: €90k
2025: €74k
2019 → 2026
Working capital
€1.03M▲ 16.2%
2025 · €883k
2019: €471k
2020: €393k
2021: €510k
2022: €650k
2023: €745k
2024: €817k
2025: €883k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€744k-€828k▲ 11.4%€901k▲ 8.8%€976k▲ 8.2%€1.11M▲ 13.3%
Operating result€181k-€124k▼ 31.3%€137k▲ 10.3%€92k▼ 33.2%€181k▲ 97.6%
Net result€151k-€85k▼ 44.0%€90k▲ 6.2%€74k▼ 17.5%€130k▲ 75.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2026; 2026 is 98% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.40M
Fixed assets
€172k▼ 12.7%
Current assets
€1.22M▲ 18.9%
Equity and liabilities €1.40M
Equity
€1.11M▲ 13.3%
Debt
€290k▲ 15.8%
The debt ratio rises from 20.4% to 20.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€225k▲
2025 · €145k
Cash flow
€174k▲
2025 · €128k
Solvency
79.2%▼
2025 · 79.6%
Current ratio
6.18▼
2025 · 7.05
Quick ratio
5.12▼
2025 · 5.43
Debt / equity
0.26▲
2025 · 0.26
ROE
11.8%▲
2025 · 7.6%
ROA
9.3%▲
2025 · 6.1%
Interest coverage
26.08▲
2025 · 16.13
Debt
€290k▲
2025 · €250k
Debt ≤ 1 year
€198k▲
2025 · €146k
Debt > 1 year
€92k▼
2025 · €104k
Income taxes
€71k▲
2025 · €32k
Staff costs
€564k▲
2025 · €525k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€1.23M€1.40M▲
Fixed assets21/28€197k€172k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€192k€169k▼
Land and buildings22€119k€114k▼
Plant, machinery and equipment23€13k€10k▼
Furniture and vehicles24€60k€45k▼
Financial fixed assets28€987€987=
Current assets29/58€1.03M€1.22M▲
Stocks and contracts in progress3€236k€211k▼
Stocks30/36€236k€211k▼
Amounts receivable within one year40/41€624k€763k▲
Trade receivables40€624k€763k▲
Cash at bank and in hand54/58€169k€250k▲
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.40M▲
Equity10/15€976k€1.11M▲
Contributions10/11€62k€62k=
Outside capital11€62k€62k=
Share premium1100/10€62k€62k=
Reserves13€568k€698k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€562k€692k▲
Profit (loss) carried forward14€346k€346k=
Amounts payable17/49€250k€290k▲
Amounts payable after more than one year17€104k€92k▼
Financial debts170/4€104k€92k▼
Amounts payable within one year42/48€146k€198k▲
Current portion of amounts payable after more than one year42€47k€27k▼
Trade debts44€25k€91k▲
Suppliers440/4€25k€91k▲
Taxes, remuneration and social security45€74k€81k▲
Taxes450/3€51k€63k▲
Remuneration and social security454/9€23k€18k▼
Income statement
Code20252026
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€525k€564k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€44k▼
Other operating charges640/8€10k€12k▲
Gross operating margin9900€681k€801k▲
Operating profit (loss)9901€92k€181k▲
Financial income75/76B€23k€29k▲
Recurring financial income75€23k€29k▲
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€106k€201k▲
Income taxes67/77€32k€71k▲
Profit (loss) for the period9904€74k€130k▲
Profit (loss) for the period to be appropriated9905€74k€130k▲
Appropriation of the result
Profit (loss) to be appropriated9906€421k€476k▲
Profit (loss) brought forward from the previous period14P€346k€346k=
Transfer to equity691/2€74k€130k▲
To other reserves6921€74k€130k▲
Social balance
Average headcount (FTE)90878.38.8▲
The notes to these accounts (23 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 2027, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
01-01
Financial
Equity above €1MEq €1.11M ▲13.3%
6 profitable years in a row build equity to €1.11M.
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 8 days late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
01-01
Financial
Highest result since 2019net €151k ▲47.1%
Net result €151k, the highest in the series.
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
01-01
Financial
Back to profitnet €103k
Net result €103k after 2 loss-making years.
01-01
Financial
Equity above €500kEq €592k ▲21%
Equity rises from €490k to €592k.
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
01-01
Financial
Weakest financial yearnet €-90k
Net result drops to €-90k, the lowest in the series; recovery starts the following year.
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Hoeilaart · 1 establishment unit since 1990
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.
Josse Biesmansstraat 571560 HoeilaartGround area
3,577 m²
Building footprint
1,300 m²
Volume, LiDAR
8,387 m³
2 parcels, Flanders, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ETS J.L. LAMBERT SA
since 19902.035.883.114
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112C0002/02_000 | Wallonia | 2,390 m² | 1 · 1,136 m² | 8.5 m · 2 fl. |
| 23033B0597/00D003 | Flanders | 1,187 m² | 1 · 164 m² | 8.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,485 EUR awarded · 1,485 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,485 EUR | 1,485 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteWavre2.035.883.114
Similar companies · same sector, comparable size
VINESPA
BE 0415.960.447
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BE 0444.851.304
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OTRAC BELGIUM
BE 0825.966.381
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ETS DISKABEL
BE 0436.874.241
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JACON
BE 0440.936.561
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Of 699 companies in sector 46392 we hold annual accounts for 486. 313 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-07-1986
Fiscal year end01-01
Activities, NACEBEL
46392Non-specialised wholesale
51392
46349Wholesale of beverages, general range
46431Wholesale of electrical household appliances and audio-video equipment
51340
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.