GROEP LIMBURGSE BOUWMARKTEN
ActiveSummary
GROEP LIMBURGSE BOUWMARKTEN has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.77M and a net result of €136k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+48
Solvency100=
Growth46▼-1
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €420k at 30 days acceptable
Liquidity ample (current ratio 8.93 against 9.19 in 2024; short-term debt: 9.5% and cash: 1.1% of total assets), and 14.1% of the assets are financed with debt.
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
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
85.9%
Return on assets
2%
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
23 d early
2023
27 d early
2022
20 d early
2021
2 d late
2020
1 d early
2019
82 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
€10.81M▼ 3.6%
2024 · €11.21M
2018: €10.66M
2019: €10.74M
2020: €14.41M
2021: €14.20M
2022: €11.77M
2023: €11.21M
2024: €11.21M
2018 → 2025
EBIT margin
1.3%▲ 5.7pp
2024 · -4.4%
2018: 4.0%
2019: 3.6%
2020: 6.0%
2021: 9.9%
2022: 4.3%
2023: 2.4%
2024: -4.4%
2018 → 2025
Net result
€136k
2024 · €-420k
2018: €298k
2019: €272k
2020: €650k
2021: €1.07M
2022: €385k
2023: €210k
2024: €-420k
2018 → 2025
Working capital
€5.08M▲ 4.5%
2024 · €4.86M
2018: €3.73M
2019: €3.32M
2020: €4.10M
2021: €5.12M
2022: €5.50M
2023: €5.70M
2024: €4.86M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€14.20M-€11.77M▼ 17.1%€11.21M▼ 4.7%€11.21M=€10.81M▼ 3.6%
Equity€5.46M-€5.85M▲ 7.0%€6.06M▲ 3.6%€5.64M▼ 6.9%€5.77M▲ 2.4%
Operating result€1.40M-€506k▼ 64.0%€270k▼ 46.6%€-497k€136k
Net result€1.07M-€385k▼ 63.9%€210k▼ 45.4%€-420k€136k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €136k after a loss of €497k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.72M
Fixed assets
€1.00M ▼ 10.1%
Current assets
€5.72M ▲ 4.9%
Equity and liabilities €6.72M
Equity
€5.77M ▲ 2.4%
Debt
€949k ▲ 2.0%
Debt's share of the balance-sheet total falls from 14.2% to 14.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€328k▲
2024 · €-317k
Cash flow
€329k▲
2024 · €-240k
Current ratio
8.93▼
2024 · 9.19
Quick ratio
2.33▲
2024 · 1.88
Debt to equity
0.16▼
2024 · 0.17
ROE
2.4%▲
2024 · -7.5%
ROA
2.0%▲
2024 · -6.4%
Interest coverage
32.20▲
2024 · -37.20
Debt ≤ 1 year
€640k▲
2024 · €594k
Debt > 1 year
€209k▼
2024 · €248k
Income taxes
€26k▲
2024 · €-17k
Staff costs
€1.22M▼
2024 · €1.28M
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 · 79 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.57M€6.72M▲
Fixed assets21/28€1.11M€1.00M▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€1.06M€946k▼
Plant, machinery and equipment23€85k€88k▲
Furniture and vehicles24€59k€54k▼
Other tangible fixed assets26€914k€803k▼
Financial fixed assets28€56k€56k=
Other financial fixed assets284/8€56k€56k=
Amounts receivable and cash guarantees285/8€56k€56k=
Current assets29/58€5.45M€5.72M▲
Stocks and contracts in progress3€4.34M€4.23M▼
Stocks30/36€4.34M€4.23M▼
Goods purchased for resale34€4.34M€4.23M▼
Amounts receivable within one year40/41€927k€1.34M▲
Trade receivables40€87k€78k▼
Other amounts receivable41€839k€1.26M▲
Cash at bank and in hand54/58€90k€77k▼
Deferred charges and accrued income490/1€97k€73k▼
Equity and liabilities
Total equity and liabilities10/49€6.57M€6.72M▲
Equity10/15€5.64M€5.77M▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€5.54M€5.67M▲
Non-distributable reserves130/1€60k€60k=
Legal reserve130€60k€60k=
Tax-exempt reserves132€502k-
Distributable reserves133€4.97M€5.61M▲
Amounts payable17/49€931k€949k▲
Amounts payable after more than one year17€248k€209k▼
Financial debts170/4€248k€209k▼
Credit institutions173€248k€209k▼
Amounts payable within one year42/48€594k€640k▲
Current portion of amounts payable after more than one year42€113k€39k▼
Trade debts44€258k€339k▲
Suppliers440/4€258k€339k▲
Advances received on contracts in progress46€23k€16k▼
Taxes, remuneration and social security45€199k€246k▲
Taxes450/3€68k€51k▼
Remuneration and social security454/9€131k€195k▲
Other amounts payable47/48€53€53=
Accrued charges and deferred income492/3€89k€100k▲
Income statement
Code20242025
Operating income70/76A€11.35M€10.92M▼
Turnover70€11.21M€10.81M▼
Own construction capitalised72€59k-
Other operating income74€80k€112k▲
Operating charges60/66A€11.85M€10.78M▼
Goods for resale, raw materials and consumables60€7.76M€7.04M▼
Purchases600/8€7.43M€6.93M▼
Change in stocks: decrease (increase)609€332k€112k▼
Services and other goods61€2.56M€2.28M▼
Remuneration, social security and pensions62€1.28M€1.22M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€180k€193k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€58
Other operating charges640/8€69k€49k▼
Non-recurring operating charges66A-€280
Operating profit (loss)9901€-497k€136k▲
Financial income75/76B€69k€39k▼
Recurring financial income75€69k€39k▼
Income from current assets751€69k€39k▼
Other financial income752/9-€32
Financial charges65/66B€10k€13k▲
Recurring financial charges65€10k€13k▲
Debt charges650€9k€10k▲
Other financial charges652/9€1k€3k▲
Profit (loss) for the period before taxes9903€-437k€162k▲
Income taxes67/77€-17k€26k▲
Taxes670/3€98€26k▲
Tax adjustments and reversals of tax provisions77€17k-
Profit (loss) for the period9904€-420k€136k▲
Transfer from tax-exempt reserves789€338k€502k▲
Profit (loss) for the period to be appropriated9905€-82k€638k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-82k€638k▲
Transfer from equity791/2€82k-
From reserves792€82k-
Transfer to equity691/2€0€638k▲
To other reserves6921€0€638k▲
Social balance
Average headcount (FTE)908730.229.0▼
The notes to these accounts (56 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €136k
Net result €136k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-420k ▼300%
Net result drops to €-420k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2021
31-12
Financial
Highest result since 2018net €1.07M ▲63.9%
Operating result €1.40M, net result €1.07M, both a record.
31-12
Financial
Equity above €5MEq €5.46M ▲24.2%
4 profitable years in a row build equity to €5.46M.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 82 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-07
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
12 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, Hasselt · 4 establishment units 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.
Genkersteenweg 1953500 HasseltGround area
3.3 ha
Building footprint
1.0 ha
Volume, LiDAR
12,439 m³
5 parcels, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
4 establishment units
HUBO DOE-HET-ZELF
since 20002.064.492.471
HUBO DOE-HET-ZELF
since 20012.142.976.953
hubo doe het zelf
since 20022.064.492.867
HUBO DOE-HET-ZELF
since 20082.168.252.579
5 parcels
Flanders
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73064B1158/00B002 | Flanders | 1.3 ha | 1 · 2,792 m² | - |
| 72452E0411/00L002 | Flanders | 8,728 m² | 1 · 1,883 m² | - |
| 73013D0979/00A000 | Flanders | 5,593 m² | 1 · 2,231 m² | 6.5 m · 2 fl. |
| 73348B0779/00H000 | Flanders | 4,944 m² | 1 · 1,966 m² | - |
| 71323C1312/00C000 | Flanders | 1,183 m² | 1 · 1,137 m² | 7.0 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 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
2022 to 2025 · 14 entries · 143,963 EUR awarded · 143,963 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 4 | 24,609 EUR | 24,609 EUR |
| 2024 | 4 | 37,813 EUR | 37,813 EUR |
| 2023 | 3 | 40,855 EUR | 40,855 EUR |
| 2022 | 3 | 40,686 EUR | 40,686 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Individueel Maatwerk
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
4 sitesHouthalen-Helchteren2.064.492.471
Lanaken2.142.976.953
Maasmechelen2.064.492.867
Tongeren-Borgloon2.168.252.579
Dual-learning approval
44 live approvals · 59 endedBestuurder interne transportmiddelen duaal (so)
Bestuurder interne transportmiddelen duaal (so)
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Bestuurder interne transportmiddelen (vwo)
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Commercieel assistent (vwo)
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Logistiek assistent magazijn (vwo)
Logistiek assistent magazijn (vwo)
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Onthaal, organisatie en sales duaal (so)
Onthaal, organisatie en sales duaal (so)
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Show 59 ended approvals
Bestuurder interne transportmiddelen duaal (so)
Bestuurder interne transportmiddelen duaal (so)
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Of 1,719 companies in sector 47521 we hold annual accounts for 1,288. 549 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
Founded23-09-1992
Fiscal year end31-12
Abbreviation NL
GROEP L.B.M.
Activities, NACEBEL 2025
47521Retail sale of hardware, building materials, paint and glass (general range)
47522Retail trade
47526Retail trade
47761Retail sale of flowers, plants, seeds and fertilisers
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.