Summary
Lagimo is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €171,556 and a net result of €41. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 65% of 2460 sector peers (fiscal year 2025). The company has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
30 d early
2023
37 d early
2022
4 d early
2021
61 d early
2020
39 d early
2019
15 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 31 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#1 oldest company in Zandhoven, Finance and insurance sector
Equity
€171,556=
2024 · €171,514
Net result
€41▼ 96.4%
2024 · €1,147
Total assets
€257,340▼ 33.1%
2024 · €384,703
Solvency
66.7%▲ 22.1pp
2024 · 44.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€13,317▲ 90.6%€30,028▲ 125%€7,691▼ 74.4%€29,073▲ 278%€10,956▼ 62.3%
Net result€6,545within the sector's middle half▲ 291%€15,317within the sector's middle half▲ 134%€2,319within the sector's middle half▼ 84.9%€1,147below the sector's middle half▼ 50.6%€41below the sector's middle half▼ 96.4%
Equity€94,178within the sector's middle half▲ 7.5%€168,048within the sector's middle half▲ 78.4%€170,368within the sector's middle half▲ 1.4%€171,514within the sector's middle half▲ 0.7%€171,556within the sector's middle half=
Total assets€151,920within the sector's middle half▲ 3.3%€199,206within the sector's middle half▲ 31.1%€378,263within the sector's middle half▲ 89.9%€384,703within the sector's middle half▲ 1.7%€257,340within the sector's middle half▼ 33.1%
Debt€57,742▼ 2.9%€31,157▼ 46.0%€207,896▲ 567%€213,189▲ 2.5%€85,785▼ 59.8%
Working capital€30,944▼ 3.7%€113,927▲ 268%€111,827▼ 1.8%€156,574▲ 40.0%€176,834▲ 12.9%
Solvency62.0%within the sector's middle half▲ 2.4pp84.4%above the sector's middle half▲ 22.4pp45.0%within the sector's middle half▼ 39.3pp44.6%within the sector's middle half▼ 0.5pp66.7%within the sector's middle half▲ 22.1pp
Staff (FTE)2.6▲ 23.8%3.2▲ 23.1%3.2=3.7▲ 15.6%4.6▲ 24.3%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €257,340
Fixed assets
€42,546 ▼ 56.0%
Current assets
€214,794 ▼ 25.4%
Equity and liabilities €257,340
Equity
€171,556 =
Debt
€85,785 ▼ 59.8%
Debt's share of the balance-sheet total falls from 55.4% to 33.3%. Debt is lower.
Key figures and ratios
ROE
0.0%▼
2024 · 0.7%
ROA
0.0%▼
2024 · 0.3%
Debt ≤ 1 year
€37,961▼
2024 · €131,496
Debt > 1 year
€47,824▼
2024 · €67,693
Income taxes
€4,778▼
2024 · €10,649
Staff costs
€298,615▲
2024 · €258,386
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €8,750 | - | - |
| Remuneration, social security and pensions62 | €140,536 | €183,583 | €183,186 | €258,386 | €298,615 | ▲ 15.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,298 | €18,261 | €10,364 | €21,403 | €14,127 | ▼ 34.0% |
| Other operating charges640/8 | €335 | €74 | €189 | €311 | €467 | ▲ 50.1% |
| Non-recurring operating charges66A | - | - | - | - | €8,944 | - |
| Gross operating margin9900 | €171,486 | €231,946 | €201,430 | €309,173 | €333,110 | ▲ 7.7% |
| Operating profit (loss)9901 | €13,317 | €30,028 | €7,691 | €29,073 | €10,956 | ▼ 62.3% |
| Financial income75/76B | €86 | €255 | €291 | €333 | €256 | ▼ 23.1% |
| Recurring financial income75 | €86 | €255 | €291 | €333 | €256 | ▼ 23.1% |
| Financial charges65/66B | €1,592 | €2,260 | €1,485 | €17,610 | €6,393 | ▼ 63.7% |
| Recurring financial charges65 | €1,592 | €2,260 | €1,485 | €3,539 | €6,393 | ▲ 80.6% |
| Non-recurring financial charges66B | - | - | - | €14,071 | - | - |
| Profit (loss) for the period before taxes9903 | €11,811 | €28,024 | €6,497 | €11,796 | €4,819 | ▼ 59.1% |
| Income taxes67/77 | €5,266 | €12,706 | €4,178 | €10,649 | €4,778 | ▼ 55.1% |
| Profit (loss) for the period9904 | €6,545 | €15,317 | €2,319 | €1,147 | €41 | ▼ 96.4% |
| Profit (loss) for the period to be appropriated9905 | €6,545 | €15,317 | €2,319 | €1,147 | €41 | ▼ 96.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €151,920 | €199,206 | €378,263 | €384,703 | €257,340 | ▼ 33.1% |
| Fixed assets21/28 | €74,980 | €58,122 | €109,090 | €96,634 | €42,546 | ▼ 56.0% |
| Intangible fixed assets21 | €5,400 | - | - | - | - | - |
| Tangible fixed assets22/27 | €25,509 | €14,051 | €65,020 | €96,634 | €42,546 | ▼ 56.0% |
| Land and buildings22 | €7,286 | €4,976 | €2,665 | €354 | - | - |
| Plant, machinery and equipment23 | €8,175 | €6,132 | €4,983 | €7,172 | €3,942 | ▼ 45.0% |
| Furniture and vehicles24 | €10,048 | €2,944 | €57,372 | €89,108 | €38,604 | ▼ 56.7% |
| Financial fixed assets28 | €44,071 | €44,071 | €44,071 | - | - | - |
| Current assets29/58 | €76,940 | €141,084 | €269,173 | €288,070 | €214,794 | ▼ 25.4% |
| Amounts receivable within one year40/41 | €7,659 | €891 | €121,548 | €134,673 | €31,238 | ▼ 76.8% |
| Trade receivables40 | - | - | €110,726 | €122,000 | €31,016 | ▼ 74.6% |
| Other amounts receivable41 | €7,659 | €891 | €10,822 | €12,673 | €222 | ▼ 98.2% |
| Current investments50/53 | €339 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €41,585 | €78,430 | €105,520 | €135,834 | €182,956 | ▲ 34.7% |
| Deferred charges and accrued income490/1 | €27,356 | €61,764 | €42,106 | €17,563 | €600 | ▼ 96.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €151,920 | €199,206 | €378,263 | €384,703 | €257,340 | ▼ 33.1% |
| Equity10/15 | €94,178 | €168,048 | €170,368 | €171,514 | €171,556 | = |
| Contributions10/11 | €50,000 | €70,000 | €70,000 | €70,000 | €70,000 | = |
| Reserves13 | €44,178 | €98,048 | €100,368 | €101,514 | €101,556 | = |
| Non-distributable reserves130/1 | €5,000 | €7,000 | - | - | - | - |
| Reserves not available under the articles1311 | €5,000 | €7,000 | - | - | - | - |
| Distributable reserves133 | €39,178 | €91,048 | €100,368 | €101,514 | €101,556 | = |
| Amounts payable17/49 | €57,742 | €31,157 | €207,896 | €213,189 | €85,785 | ▼ 59.8% |
| Amounts payable after more than one year17 | €10,187 | €4,000 | €40,498 | €67,693 | €47,824 | ▼ 29.4% |
| Financial debts170/4 | €10,187 | €4,000 | €40,498 | €67,693 | €47,824 | ▼ 29.4% |
| Amounts payable within one year42/48 | €45,996 | €27,157 | €157,347 | €131,496 | €37,961 | ▼ 71.1% |
| Current portion of amounts payable after more than one year42 | €20,620 | €6,186 | €13,341 | €19,416 | €19,869 | ▲ 2.3% |
| Trade debts44 | €22,703 | €18,106 | €138,978 | €106,304 | €15,561 | ▼ 85.4% |
| Suppliers440/4 | €22,703 | €18,106 | €138,978 | €106,304 | €15,561 | ▼ 85.4% |
| Taxes, remuneration and social security45 | - | - | - | €556 | €738 | ▲ 32.7% |
| Remuneration and social security454/9 | - | - | - | €556 | €738 | ▲ 32.7% |
| Other amounts payable47/48 | €2,673 | €2,865 | €5,028 | €5,220 | €1,792 | ▼ 65.7% |
| Accrued charges and deferred income492/3 | €1,559 | - | €10,052 | €14,000 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,545 | €15,317 | €2,319 | €1,147 | €41 | ▼ 96.4% |
| + Depreciation and write-downs630 | €17,298 | €18,261 | €10,364 | €21,403 | €14,127 | ▼ 34.0% |
| Operating cash flow (approximation) | €23,843 | €33,578 | €12,683 | €22,550 | €14,169 | ▼ 37.2% |
| Investment in fixed assets (approximation) | - | -€1,403 | -€61,332 | -€8,946 | €39,960 | ▲ 547% |
| Change in cash | - | €36,844 | €27,090 | €30,314 | €47,122 | ▲ 55.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-09
State Gazette act
Merger · Incorporation
Registered office clause · Capital
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 5.66
Current ratio from 2.19 to 5.66; short-term debt falls from €131,496 to €37,961.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €15,317 ▲134%
Operating result €30,028, net result €15,317, both a record.
31-12
Financial
Liquidity triplescurrent ratio 5.20
Current ratio from 1.67 to 5.20; short-term debt falls from €45,996 to €27,157.
31-12
Financial
Equity above €150,000Eq €168,048 ▲78.4%
4 profitable years in a row build equity to €168,048.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Back to profitnet €7,524
Net result €7,524 after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts
We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Zandhoven · 1 establishment unit since 1984
Ground area
5,524 m²
Building footprint
255 m²
Volume, LiDAR
2,193 m³
Parcel 11054B0257/00W000, Flanders · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Ethis Verzekeren
since 19842.025.919.432
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11054B0257/00W000 | Flanders | 5,524 m² | 1 · 254 m² | 13.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Structure & network
Owners and holdings
1 owner · 1 holdingChain of control
Highest known parent: MAX Invest. The sources do not say who stands above it.
Owners 1
-
100%
Holdings 1
-
90%
According to the 2024 annual accounts of Lagimo and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Acquisitions and mergers
1 transactionTaken over by:Zakenkantoor Cools-De Cat
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 180 EUR awarded · 180 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 93 EUR | 93 EUR |
| 2022 | 1 | 87 EUR | 87 EUR |
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,827 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-11-1984
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0427534329
Also
9925:BE0427534329
Registered
15-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.