L.M PLOMBERIE
ActiveThe computed 12-month bankruptcy probability of L.M PLOMBERIE is 4.2% (elevated). The 2024 annual accounts show equity of €81k and a net result of €37k. Equity is growing by ~30.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 1329 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+19
Solvency81▼-2
Growth52=
Track record94
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.37 against 0.99 in 2023; short-term debt: 37.1% and cash: 26% of total assets), and 44.3% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 42
Relative position
BE, all sectors
reference
Sector 42
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-09-2025, 53 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
53 d late
2023
9 d early
2022
17 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€81k▲ 44.5%
2023 · €56k
2022: €46k
2023: €56k
2022 → 2024
Total assets
€145k▲ 51.0%
2023 · €96k
2022: €79k
2023: €96k
2022 → 2024
Net result
€37k▲ 287%
2023 · €10k
2022: €44k
2023: €10k
2022 → 2024
Working capital
€20k
2023 · €-354
2022: €-4
2023: €-354
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€46k-€56k▲ 20.9%€81k▲ 44.5%
Operating result€56k-€13k▼ 77.3%€45k▲ 253%
Net result€44k-€10k▼ 78.2%€37k▲ 287%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 253% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €145k
Fixed assets
€72k▲ 15.4%
Current assets
€74k▲ 116%
Equity and liabilities €145k
Equity
€81k▲ 44.5%
Debt
€64k▲ 60.1%
The debt ratio rises from 41.8% to 44.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€52k▲
2023 · €21k
Cash flow
€45k▲
2023 · €18k
Solvency
55.7%▼
2023 · 58.2%
Current ratio
1.37▲
2023 · 0.99
Quick ratio
1.26▲
2023 · 0.90
Debt / equity
0.80▲
2023 · 0.72
ROE
46.2%▲
2023 · 17.3%
ROA
25.8%▲
2023 · 10.0%
Interest coverage
57.34▲
2023 · 27.78
Debt
€64k▲
2023 · €40k
Debt ≤ 1 year
€54k▲
2023 · €34k
Debt > 1 year
€11k▲
2023 · €6k
Income taxes
€7k▲
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€96k€145k▲
Fixed assets21/28€62k€72k▲
Intangible fixed assets21€21k€30k▲
Tangible fixed assets22/27€41k€42k▲
Land and buildings22€27k€24k▼
Plant, machinery and equipment23€2k-
Furniture and vehicles24€12k€18k▲
Financial fixed assets28€220€220=
Current assets29/58€34k€74k▲
Stocks and contracts in progress3€3k€6k▲
Stocks30/36€3k€6k▲
Amounts receivable within one year40/41€8k€30k▲
Trade receivables40€3k€16k▲
Other amounts receivable41€5k€15k▲
Cash at bank and in hand54/58€22k€38k▲
Deferred charges and accrued income490/1€269€153▼
Equity and liabilities
Total equity and liabilities10/49€96k€145k▲
Equity10/15€56k€81k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€54k€79k▲
Amounts payable17/49€40k€64k▲
Amounts payable after more than one year17€6k€11k▲
Financial debts170/4€6k€11k▲
Amounts payable within one year42/48€34k€54k▲
Current portion of amounts payable after more than one year42€2k€3k▲
Financial debts43€12-
Credit institutions430/8€12-
Trade debts44€8k€15k▲
Suppliers440/4€8k€14k▲
Bills of exchange payable441-€1k
Advances received on contracts in progress46€812€13k▲
Taxes, remuneration and social security45€16k€10k▼
Taxes450/3€16k€10k▼
Remuneration and social security454/9-€100
Other amounts payable47/48€8k€13k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€7k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€170-
Other operating charges640/8€2k€3k▲
Gross operating margin9900€24k€56k▲
Operating profit (loss)9901€13k€45k▲
Financial income75/76B€456€396▼
Recurring financial income75€456€396▼
Financial charges65/66B€772€915▲
Recurring financial charges65€772€915▲
Profit (loss) for the period before taxes9903€12k€45k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€10k€37k▲
Profit (loss) for the period to be appropriated9905€10k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€92k▲
Profit (loss) brought forward from the previous period14P€44k€54k▲
Profit to be distributed694/7-€13k
Directors or managers695-€13k
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €10k ▼78.2%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Evere · 2 establishment units since 2021
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.
Louis Piérardlaan 331140 EvereGround area
700 m²
Building footprint
300 m²
Volume, LiDAR
2,806 m³
2 parcels, Brussels, Flanders · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
L.M PLOMBERIE
since 20212.325.303.695
Schetsveld 10, 1831 Machelen (Brab.)
since 20212.325.303.794
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372B0302/00Y000 | Brussels | 468 m² | 1 · 200 m² | 16.5 m · 5 fl. |
| 23015C0440/00G000 | Flanders | 232 m² | 1 · 101 m² | 2.9 m |
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.
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Of 295 companies in sector 42211 we hold annual accounts for 132. 98 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2021
Fiscal year end31-12
Activities, NACEBEL
42211Civil engineering
43221Plumbing work
42212Civil engineering
42911Civil engineering
43120Site preparation
43130Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.