JOS LAMBRICHTS
ActiveJOS LAMBRICHTS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.93M and a net result of €277k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 47% of 7932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+1
Solvency66▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 6.17 against 7.84 in 2024; short-term debt: 5.6% and cash: 9.3% of total assets), but 58.8% 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 · 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
41.2%
Return on assets
5.9%
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
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 · 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
2 d early
2023
on the day
2022
22 d late
2021
10 d late
2020
27 d late
2019
19 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.93M▲ 16.8%
2024 · €1.65M
2018: €1.24M
2019: €1.32M
2020: €1.41M
2021: €1.37M
2022: €1.37M
2023: €1.40M
2024: €1.65M
2018 → 2025
Total assets
€4.67M▼ 0.2%
2024 · €4.68M
2018: €1.48M
2019: €1.49M
2020: €1.58M
2021: €3.90M
2022: €4.59M
2023: €4.63M
2024: €4.68M
2018 → 2025
Net result
€277k▲ 10.6%
2024 · €251k
2018: €88k
2019: €86k
2020: €88k
2021: €-43k
2022: €1k
2023: €310k
2024: €251k
2018 → 2025
Working capital
€1.35M▲ 9.1%
2024 · €1.23M
2018: €1.15M
2019: €1.23M
2020: €980k
2021: €863k
2022: €931k
2023: €1.26M
2024: €1.23M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.37M-€1.37M▲ 0.1%€1.40M▲ 2.2%€1.65M▲ 17.9%€1.93M▲ 16.8%
Operating result€-28k-€29k€363k▲ 1,166%€373k▲ 2.8%€441k▲ 18.3%
Net result€-43k-€1k€310k▲ 26,913%€251k▼ 19.1%€277k▲ 10.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.67M
Fixed assets
€3.07M▼ 6.2%
Current assets
€1.61M▲ 13.6%
Equity and liabilities €4.67M
Equity
€1.93M▲ 16.8%
Debt
€2.75M▼ 9.5%
The debt ratio falls from 64.8% to 58.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€699k▲
2024 · €629k
Cash flow
€535k▲
2024 · €507k
Solvency
41.2%▲
2024 · 35.2%
Current ratio
6.17▼
2024 · 7.84
Quick ratio
3.65▼
2024 · 4.50
Debt / equity
1.43▼
2024 · 1.84
ROE
14.4%▼
2024 · 15.2%
ROA
5.9%▲
2024 · 5.3%
Interest coverage
17.65▲
2024 · 11.53
Debt
€2.75M▼
2024 · €3.04M
Debt ≤ 1 year
€260k▲
2024 · €180k
Debt > 1 year
€2.49M▼
2024 · €2.86M
Income taxes
€125k▲
2024 · €68k
Staff costs
€154k▲
2024 · €97k
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€4.68M€4.67M▼
Fixed assets21/28€3.27M€3.07M▼
Tangible fixed assets22/27€3.27M€3.07M▼
Land and buildings22€2.92M€2.74M▼
Plant, machinery and equipment23€138k€127k▼
Furniture and vehicles24€70k€38k▼
Other tangible fixed assets26€144k€156k▲
Current assets29/58€1.41M€1.61M▲
Stocks and contracts in progress3€602k€656k▲
Stocks30/36€602k€656k▲
Amounts receivable within one year40/41€321k€500k▲
Trade receivables40€258k€438k▲
Other amounts receivable41€63k€63k▼
Cash at bank and in hand54/58€475k€433k▼
Deferred charges and accrued income490/1€16k€17k▲
Equity and liabilities
Total equity and liabilities10/49€4.68M€4.67M▼
Equity10/15€1.65M€1.93M▲
Contributions10/11€100k€100k=
Reserves13€1.55M€1.83M▲
Distributable reserves133€1.55M€1.83M▲
Amounts payable17/49€3.04M€2.75M▼
Amounts payable after more than one year17€2.86M€2.49M▼
Financial debts170/4€1.85M€1.68M▼
Other amounts payable178/9€1.00M€802k▼
Amounts payable within one year42/48€180k€260k▲
Current portion of amounts payable after more than one year42€103k€103k=
Trade debts44€28k€76k▲
Suppliers440/4€28k€76k▲
Taxes, remuneration and social security45€50k€82k▲
Taxes450/3€16k€40k▲
Remuneration and social security454/9€34k€42k▲
Income statement
Code20242025
Non-recurring operating income76A€8k-
Remuneration, social security and pensions62€97k€154k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€256k€258k▲
Other operating charges640/8€29k€31k▲
Gross operating margin9900€756k€884k▲
Operating profit (loss)9901€373k€441k▲
Financial income75/76B€15€12▼
Recurring financial income75€15€12▼
Financial charges65/66B€55k€40k▼
Recurring financial charges65€55k€40k▼
Profit (loss) for the period before taxes9903€318k€402k▲
Income taxes67/77€68k€125k▲
Profit (loss) for the period9904€251k€277k▲
Profit (loss) for the period to be appropriated9905€251k€277k▲
Appropriation of the result
Profit (loss) to be appropriated9906€251k€277k▲
Transfer to equity691/2€251k€277k▲
To other reserves6921€251k€277k▲
Social balance
Average headcount (FTE)90871.92.8▲
The notes to these accounts (10 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 · abbreviated schema · 21 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €310k ▲26913%
Net result €310k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 24.48
Current ratio from 8.08 to 24.48; short-term debt falls from €131k to €54k.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 10 days late
2021
31-12
Financial
Weakest financial yearnet €-43k ▼148%
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 19 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
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, Diepenbeek · 1 establishment unit since 2009
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.
Katteweidelaan 433590 DiepenbeekGround area
1.4 ha
Building footprint
2,499 m²
Parcel 71402D0315/00V002, Flanders. Linked by address, not a title deed.
1 establishment unit
Jos Lambrichts
since 20092.179.079.066
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71402D0315/00V002 | Flanders | 1.4 ha | 1 · 2,499 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 2023 · 2 entries · 260 EUR awarded · 260 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 143 EUR | 201 EUR |
| 2022 | 1 | 117 EUR | 59 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteDiepenbeek2.179.079.066
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Of 689 companies in sector 46216 we hold annual accounts for 476. 366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2009
Fiscal year end31-12
Activities, NACEBEL
46212Wholesale trade
46216Wholesale of agricultural produce and animal feed, general range
46852Wholesale trade
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.