JOZEF LAMBRECHTS
ActiveJOZEF LAMBRECHTS has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €466k and a net result of €-12k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 63% of 286 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▲+10
Solvency80▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.23 in 2024; short-term debt: 16.9% and cash: 2.3% of total assets), and 44.7% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Sector 23
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-12k
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
26 d early
2022
12 d early
2021
30 d late
2020
31 d late
2019
12 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
20-09-2026 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
€-12k▲ 63.4%
2024 · €-32k
2018: €-4k
2019: €-26k
2020: €38k
2021: €41k
2022: €24k
2023: €297
2024: €-32k
2018 → 2025
Working capital
€13k▼ 59.3%
2024 · €33k
2018: €-18k
2019: €-35k
2020: €8k
2021: €40k
2022: €57k
2023: €61k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€486k-€509k▲ 4.9%€510k▲ 0.1%€478k▼ 6.3%€466k▼ 2.5%
Operating result€60k-€40k▼ 34.0%€17k▼ 56.6%€-16k€137
Net result€41k-€24k▼ 41.1%€297▼ 98.8%€-32k€-12k▲ 63.4%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €137 after a loss of €16k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €842k
Fixed assets
€686k▼ 3.1%
Current assets
€156k▼ 12.8%
Equity and liabilities €842k
Equity
€466k▼ 2.5%
Debt
€376k▼ 8.1%
The debt ratio falls from 46.2% to 44.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€22k▲
2024 · €17k
Cash flow
€10k▲
2024 · €286
Solvency
55.3%▲
2024 · 53.8%
Current ratio
1.09▼
2024 · 1.23
Quick ratio
0.56▼
2024 · 0.80
Debt / equity
0.81▼
2024 · 0.86
ROE
-2.5%▲
2024 · -6.7%
ROA
-1.4%▲
2024 · -3.6%
Interest coverage
1.92▲
2024 · 1.04
Debt
€376k▼
2024 · €410k
Debt ≤ 1 year
€143k▼
2024 · €146k
Debt > 1 year
€234k▼
2024 · €264k
Income taxes
€293▼
2024 · €330
Staff costs
€107k▼
2024 · €117k
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€887k€842k▼
Fixed assets21/28€708k€686k▼
Tangible fixed assets22/27€705k€683k▼
Land and buildings22€695k€679k▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€3k€23▼
Financial fixed assets28€3k€3k▲
Current assets29/58€179k€156k▼
Stocks and contracts in progress3€62k€76k▲
Stocks30/36€62k€76k▲
Amounts receivable within one year40/41€66k€54k▼
Trade receivables40€66k€54k▼
Other amounts receivable41-€208
Cash at bank and in hand54/58€47k€20k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€887k€842k▼
Equity10/15€478k€466k▼
Contributions10/11€121k€121k=
Capital10€121k€121k=
Issued capital100€121k€121k=
Revaluation surpluses12€322k€322k=
Reserves13€64k€64k=
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Distributable reserves133€57k€57k=
Profit (loss) carried forward14€-30k€-42k▼
Amounts payable17/49€410k€376k▼
Amounts payable after more than one year17€264k€234k▼
Financial debts170/4€264k€234k▼
Amounts payable within one year42/48€146k€143k▼
Current portion of amounts payable after more than one year42€28k€30k▲
Trade debts44€47k€52k▲
Suppliers440/4€47k€52k▲
Taxes, remuneration and social security45€19k€9k▼
Taxes450/3€15k€4k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€51k€52k▲
Income statement
Code20242025
Remuneration, social security and pensions62€117k€107k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€22k▼
Other operating charges640/8€6k€7k▲
Non-recurring operating charges66A€53€63▲
Gross operating margin9900€140k€136k▼
Operating profit (loss)9901€-16k€137▲
Financial income75/76B€32€84▲
Recurring financial income75€32€84▲
Financial charges65/66B€16k€12k▼
Recurring financial charges65€16k€12k▼
Profit (loss) for the period before taxes9903€-32k€-11k▲
Income taxes67/77€330€293▼
Profit (loss) for the period9904€-32k€-12k▲
Profit (loss) for the period to be appropriated9905€-32k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-42k▼
Profit (loss) brought forward from the previous period14P€2k€-30k▼
Social balance
Average headcount (FTE)90872.51.8▼
The notes to these accounts (16 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-32k ▼10851%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €509k ▲4.9%
3 profitable years in a row build equity to €509k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €41k ▲7.4%
Operating result €60k, net result €41k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €38k
Net result €38k after 2 loss-making years.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 12 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lubbeek · 1 establishment unit since 1989
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.
Staatsbaan(LUB) 3203210 LubbeekGround area
6,080 m²
Building footprint
178 m²
Volume, LiDAR
1,064 m³
Parcel 24066A0206/00G006, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NV JOZEF LAMBRECHTS
since 19892.045.912.419
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066A0206/00G006 | Flanders | 6,080 m² | 1 · 178 m² | 7.0 m · 2 fl. |
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.
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VANZO BETON
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Of 400 companies in sector 23610 we hold annual accounts for 315. 215 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-11-1989
Fiscal year end31-12
Activities, NACEBEL
23610Manufacture of other non-metallic mineral products
43990Other specialised construction activities
43999Specialised construction activities
41001General construction of residential buildings
45211
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.