FERNAND LEMMENS
ActiveSummary
FERNAND LEMMENS has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.33M and a net result of €235k. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 77% of 154 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-7
Solvency100▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €430k at 30 days acceptable
Liquidity ample (current ratio 4.34 against 3.18 in 2024; short-term debt: 16.2% and cash: 3.3% of total assets), and 22% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 13
Relative position
BE, all sectors
reference
Sector 13
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
78%
Return on assets
3.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
26 d late
2023
29 d late
2022
25 d late
2021
30 d late
2020
19 d late
2019
91 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€235k▼ 64.7%
2024 · €664k
2018: €418k
2019: €246k
2020: €265k
2021: €662k
2022: €606k
2023: €390k
2024: €664k
2018 → 2025
Working capital
€3.69M▲ 6.6%
2024 · €3.46M
2018: €1.87M
2019: €2.04M
2020: €2.33M
2021: €2.62M
2022: €2.99M
2023: €3.29M
2024: €3.46M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.36M-€4.67M▲ 7.2%€5.05M▲ 8.1%€5.13M▲ 1.5%€5.33M▲ 4.0%
Operating result€946k-€849k▼ 10.2%€576k▼ 32.2%€944k▲ 63.8%€340k▼ 63.9%
Net result€662k-€606k▼ 8.5%€390k▼ 35.6%€664k▲ 70.3%€235k▼ 64.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.83M
Fixed assets
€2.03M ▼ 7.3%
Current assets
€4.80M ▼ 5.1%
Equity and liabilities €6.83M
Equity
€5.33M ▲ 4.0%
Provisions
€38k ▼ 21.4%
Debt
€1.46M ▼ 29.4%
Debt's share of the balance-sheet total falls from 28.6% to 21.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€658k▼
2024 · €1.24M
Cash flow
€552k▼
2024 · €963k
Current ratio
4.34▲
2024 · 3.18
Quick ratio
1.74▲
2024 · 1.69
Debt to equity
0.27▼
2024 · 0.40
ROE
4.4%▼
2024 · 13.0%
ROA
3.4%▼
2024 · 9.2%
Interest coverage
11.99▼
2024 · 20.39
Debt ≤ 1 year
€1.11M▼
2024 · €1.59M
Debt > 1 year
€337k▼
2024 · €455k
Income taxes
€114k▼
2024 · €212k
Staff costs
€1.15M▼
2024 · €1.22M
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 · 74 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7.25M€6.83M▼
Fixed assets21/28€2.19M€2.03M▼
Intangible fixed assets21€23k€63k▲
Tangible fixed assets22/27€2.17M€1.97M▼
Land and buildings22€1.91M€1.76M▼
Plant, machinery and equipment23€69k€99k▲
Furniture and vehicles24€183k€110k▼
Other tangible fixed assets26€1k€1k=
Financial fixed assets28€1k€1k=
Current assets29/58€5.05M€4.80M▼
Stocks and contracts in progress3€2.36M€2.87M▲
Stocks30/36€2.36M€2.87M▲
Amounts receivable within one year40/41€1.59M€1.53M▼
Trade receivables40€1.58M€1.51M▼
Other amounts receivable41€10k€20k▲
Current investments50/53€658k€159k▼
Cash at bank and in hand54/58€427k€228k▼
Deferred charges and accrued income490/1€22k€11k▼
Equity and liabilities
Total equity and liabilities10/49€7.25M€6.83M▼
Equity10/15€5.13M€5.33M▲
Contributions10/11€620k€620k=
Capital10€620k€620k=
Issued capital100€620k€620k=
Reserves13€1.75M€1.72M▼
Non-distributable reserves130/1€62k€62k=
Legal reserve130€62k€62k=
Reserves not available under the articles1311€453€453=
Tax-exempt reserves132€548k€349k▼
Distributable reserves133€1.14M€1.30M▲
Profit (loss) carried forward14€2.66M€2.90M▲
Investment grants15€100k€90k▼
Provisions and deferred taxes16€49k€38k▼
Deferred taxes168€49k€38k▼
Amounts payable17/49€2.07M€1.46M▼
Amounts payable after more than one year17€455k€337k▼
Financial debts170/4€155k€52k▼
Other amounts payable178/9€300k€285k▼
Amounts payable within one year42/48€1.59M€1.11M▼
Current portion of amounts payable after more than one year42€121k€103k▼
Trade debts44€820k€730k▼
Suppliers440/4€820k€730k▼
Taxes, remuneration and social security45€265k€246k▼
Taxes450/3€119k€119k▲
Remuneration and social security454/9€146k€127k▼
Other amounts payable47/48€386k€27k▼
Accrued charges and deferred income492/3€27k€21k▼
Income statement
Code20242025
Non-recurring operating income76A€195k€0▼
Remuneration, social security and pensions62€1.22M€1.15M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€299k€318k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-27k€162k▲
Other operating charges640/8€77k€41k▼
Non-recurring operating charges66A€9k€2k▼
Gross operating margin9900€2.53M€2.01M▼
Operating profit (loss)9901€944k€340k▼
Financial income75/76B€38k€53k▲
Recurring financial income75€38k€53k▲
Financial charges65/66B€61k€55k▼
Recurring financial charges65€61k€55k▼
Profit (loss) for the period before taxes9903€920k€338k▼
Transfer from deferred taxes780€4k€10k▲
Transfer to deferred taxes680€49k€0▼
Income taxes67/77€212k€114k▼
Profit (loss) for the period9904€664k€235k▼
Transfer from tax-exempt reserves789€12k€200k▲
Transfer to tax-exempt reserves689€146k€0▼
Profit (loss) for the period to be appropriated9905€530k€434k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.24M€3.09M▼
Profit (loss) brought forward from the previous period14P€2.71M€2.66M▼
Transfer to equity691/2-€168k
To other reserves6921-€168k
Profit to be distributed694/7€579k€20k▼
Return on contributions (dividend)694€560k€0▼
Employees696€19k€20k▲
Social balance
Average headcount (FTE)908718.317.1▼
The notes to these accounts (29 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 21 days late
2025
31-12
Financial
Weakest financial yearnet €235k ▼64.7%
Net result drops to €235k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
31-12
Financial
Highest result since 2018net €664k ▲70.3%
Net result €664k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-12
Financial
Equity above €5MEq €5.05M ▲8.1%
6 profitable years in a row build equity to €5.05M.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 25 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 19 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Esneux · 1 establishment unit since 1980
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.
Rue de Grady 64130 EsneuxGround area
1.7 ha
Building footprint
291 m²
Volume, LiDAR
1,994 m³
2 parcels, Wallonia · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LEMMENS
since 19802.016.978.012
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62067E0815/00A000 | Wallonia | 1.1 ha | - | - |
| 62101D0433/00K000 | Wallonia | 5,860 m² | 1 · 291 m² | 10.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500AWJUXCJ26MMG55
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TISCOTEX
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BANDFABRIEK DEVOS
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Rubis
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Izegem · Eq €2.36M
Of 19 companies in sector 13940 we hold annual accounts for 11. 8 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-12-1979
Fiscal year end31-12
Activities, NACEBEL 2025
13940Manufacture of textiles
28220Manufacture of machinery and equipment not elsewhere classified
13929Manufacture of textiles
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.