Lambaerts Cindy
ActiveLambaerts Cindy has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €724. Equity is shrinking by ~20% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 9% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70=
Solvency29▲+1
Growth32=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 16511 sector peers (2025).
NBB · sector comparisonPosition among 16511 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
11 d late
2024
51 d early
2023
55 d early
2022
31 d early
2021
2 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, micro schema
Equity
€5k▲ 16.8%
2024 · €4k
2021: €15k
2022: €37k
2023: €44k
2024: €4k
2021 → 2025
Total assets
€120k▼ 11.4%
2024 · €135k
2021: €100k
2022: €104k
2023: €84k
2024: €135k
2021 → 2025
Net result
€724▼ 45.2%
2024 · €1k
2021: €12k
2022: €22k
2023: €8k
2024: €1k
2021 → 2025
Working capital
€-58k▲ 17.8%
2024 · €-70k
2021: €-65k
2022: €-26k
2023: €-1k
2024: €-70k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€37k▲ 149%€44k▲ 21.6%€4k▼ 90.3%€5k▲ 16.8%
Operating result€12k-€28k▲ 141%€15k▼ 48.0%€6k▼ 58.9%€3k▼ 54.1%
Net result€12k-€22k▲ 86.8%€8k▼ 63.9%€1k▼ 83.3%€724▼ 45.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 54% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€69k▼ 33.9%
Current assets
€51k▲ 63.0%
Equity and liabilities €120k
Equity
€5k▲ 16.8%
Debt
€115k▼ 12.3%
The debt ratio falls from 96.8% to 95.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▼
2024 · €38k
Cash flow
€36k▲
2024 · €33k
Solvency
4.2%▲
2024 · 3.2%
Current ratio
0.47▲
2024 · 0.31
Quick ratio
0.47▲
2024 · 0.31
Debt / equity
22.76▼
2024 · 30.30
ROE
14.3%▼
2024 · 30.6%
ROA
0.6%▼
2024 · 1.0%
Interest coverage
17.94▲
2024 · 13.84
Debt
€115k▼
2024 · €131k
Debt ≤ 1 year
€109k▲
2024 · €102k
Debt > 1 year
€6k▼
2024 · €28k
Income taxes
€-34▼
2024 · €2k
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€135k€120k▼
Fixed assets21/28€104k€69k▼
Tangible fixed assets22/27€104k€69k▼
Furniture and vehicles24€104k€69k▼
Current assets29/58€31k€51k▲
Amounts receivable within one year40/41€27k€32k▲
Trade receivables40€17k€23k▲
Other amounts receivable41€9k€9k▼
Cash at bank and in hand54/58€3k€18k▲
Deferred charges and accrued income490/1€2k€672▼
Equity and liabilities
Total equity and liabilities10/49€135k€120k▼
Equity10/15€4k€5k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€1k€2k▲
Amounts payable17/49€131k€115k▼
Amounts payable after more than one year17€28k€6k▼
Financial debts170/4€28k€6k▼
Amounts payable within one year42/48€102k€109k▲
Current portion of amounts payable after more than one year42€21k€22k▲
Trade debts44€3k€17k▲
Suppliers440/4€3k€17k▲
Other amounts payable47/48€78k€70k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€35k▲
Other operating charges640/8€856€520▼
Gross operating margin9900€39k€38k▼
Operating profit (loss)9901€6k€3k▼
Financial income75/76B€17€27▲
Recurring financial income75€17€27▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€3k€689▼
Income taxes67/77€2k€-34▼
Profit (loss) for the period9904€1k€724▼
Profit (loss) for the period to be appropriated9905€1k€724▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€2k▼
Profit (loss) brought forward from the previous period14P€41k€1k▼
Profit to be distributed694/7€41k-
Return on contributions (dividend)694€41k-
The notes to these accounts (5 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-12
Financial
Weakest financial yearnet €724 ▼45.2%
Net result drops to €724, the lowest in the series.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €22k ▲86.8%
Operating result €28k, net result €22k, both a record.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Heist-op-den-Berg · 1 establishment unit 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.
Lammeneelstraat 92220 Heist-op-den-BergGround area
97 m²
Building footprint
97 m²
Volume, LiDAR
404 m³
Parcel 12322H0868/00F000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Lambaerts Cindy
since 20212.322.266.112
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322H0868/00F000 | Flanders | 97 m² | 1 · 97 m² | 7.4 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 153 EUR awarded · 153 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 153 EUR | 153 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,983 companies in sector 86940 we hold annual accounts for 1,808. 837 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2021
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.