Skip to content

LAMBEDIR

Active
Public limited companyfounded 199531 yrs activeSchuifelstraat 17, 9160 Lokeren, BelgiumKBO/BCE: BE 0455.414.901
Summary

LAMBEDIR has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €873k and a net result of €102k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 55% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
78 / 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78=
Solvency86▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.23 in 2024; short-term debt: 37.3% and cash: 5.6% of total assets), and 39.1% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.
lowers riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 31 years 0 40 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
60.9%
Return on assets
7.1%
Age of the figures
9 mo
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
63 d early
2024
126 d early
2023
34 d early
2022
136 d early
2021
117 d early
2020
4 d late
2019
35 d early
← before the deadline after the deadline →
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 months
Position in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€873k▲ 13.3%
2024 · €771k
2018: €443k 2019: €443k 2020: €444k 2021: €494k 2022: €558k 2023: €672k 2024: €771k
2018 → 2025
Total assets
€1.43M▲ 2.3%
2024 · €1.40M
2018: €882k 2019: €818k 2020: €767k 2021: €781k 2022: €790k 2023: €838k 2024: €1.40M
2018 → 2025
Net result
€102k▲ 3.9%
2024 · €98k
2018: €647 2019: €268 2020: €1k 2021: €57k 2022: €64k 2023: €114k 2024: €98k
2018 → 2025
Working capital
€253k▲ 91.3%
2024 · €132k
2018: €-133k 2019: €-118k 2020: €-99k 2021: €-64k 2022: €-16k 2023: €13k 2024: €132k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€494k-€558k▲ 13.0%€672k▲ 20.5%€771k▲ 14.6%€873k▲ 13.3%
Operating result€81k-€87k▲ 7.8%€173k▲ 97.5%€146k▼ 15.7%€150k▲ 3.0%
Net result€57k-€64k▲ 11.7%€114k▲ 78.0%€98k▼ 13.9%€102k▲ 3.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€50k€100k€150kOperating result 2021: €81k€81kNet result 2021: €57k€57kOperating result 2022: €87k€87kNet result 2022: €64k€64kOperating result 2023: €173k€173kNet result 2023: €114k€114kOperating result 2024: €146k€146kNet result 2024: €98k€98kOperating result 2025: €150k€150kNet result 2025: €102k€102k20212022202320242025€0€50k€100k€150kOperating result 2023: €173k€173kNet result 2023: €114k€114kOperating result 2024: €146k€146kNet result 2024: €98k€98kOperating result 2025: €150k€150kNet result 2025: €102k€102k202320242025
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.43M
Fixed assets €647k ▼ 6.6%
Current assets €787k ▲ 11.0%
Equity and liabilities €1.43M
Equity €873k ▲ 13.3%
Debt €561k ▼ 11.0%
Debt's share of the balance-sheet total falls from 45.0% to 39.1%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€204k
2024 · €200k
Cash flow
€156k
2024 · €153k
Current ratio
1.47
2024 · 1.23
Debt to equity
0.64
2024 · 0.82
ROE
11.7%
2024 · 12.8%
ROA
7.1%
2024 · 7.0%
Interest coverage
7.63
2024 · 7.43
Debt ≤ 1 year
€534k
2024 · €577k
Debt > 1 year
€0
2024 · €28k
Income taxes
€50k
2024 · €47k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.40M€1.43M
Fixed assets21/28€692k€647k
Tangible fixed assets22/27€692k€647k
Land and buildings22€556k€530k
Furniture and vehicles24€63k€47k
Other tangible fixed assets26€73k€69k
Current assets29/58€709k€787k
Amounts receivable after more than one year29€500k€500k=
Other amounts receivable291€500k€500k=
Amounts receivable within one year40/41€15k€4k
Trade receivables40€15k€4k
Other amounts receivable41€661€0
Current investments50/53€145k€175k
Cash at bank and in hand54/58€21k€80k
Deferred charges and accrued income490/1€28k€28k
Equity and liabilities
Total equity and liabilities10/49€1.40M€1.43M
Equity10/15€771k€873k
Contributions10/11€265k€265k=
Capital10€265k€265k=
Issued capital100€265k€265k=
Outside capital11€244€244=
Share premium1100/10€244€244=
Reserves13€506k€608k
Non-distributable reserves130/1€31k€31k=
Legal reserve130€31k€31k=
Distributable reserves133€475k€577k
Amounts payable17/49€631k€561k
Amounts payable after more than one year17€28k€0
Financial debts170/4€28k€0
Amounts payable within one year42/48€577k€534k
Current portion of amounts payable after more than one year42€42k€28k
Trade debts44€2k€2k
Suppliers440/4€2k€2k
Taxes, remuneration and social security45€19k€13k
Taxes450/3€19k€13k
Other amounts payable47/48€514k€492k
Accrued charges and deferred income492/3€26k€27k
Income statement Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€54k
Other operating charges640/8€6k€6k
Gross operating margin9900€206k€210k
Operating profit (loss)9901€146k€150k
Financial income75/76B€26k€29k
Recurring financial income75€26k€29k
Financial charges65/66B€27k€27k
Recurring financial charges65€27k€27k
Profit (loss) for the period before taxes9903€145k€152k
Transfer from deferred taxes780€0-
Income taxes67/77€47k€50k
Profit (loss) for the period9904€98k€102k
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€98k€102k
Appropriation of the result
Profit (loss) to be appropriated9906€98k€102k
Transfer to equity691/2€98k€102k
To the legal reserve6920€10k€0
To other reserves6921€88k€102k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-05
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
27-03
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Highest result since 2018net €114k ▲78%
Operating result €173k, net result €114k, both a record.
17-03
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Equity above €500kEq €558k ▲13%
5 profitable years in a row build equity to €558k.
05-04
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
04-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
07-07
State Gazette act General meeting · Director appointment
Permanent representative · Mandate compensation
2020
26-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Weakest financial yearnet €268 ▼58.6%
Net result drops to €268, the lowest in the series; recovery starts the following year.
21-06
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
6 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, Lokeren · 1 establishment unit since 1995
establishment The establishment unit on the map
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.

Schuifelstraat 179160 Lokeren
Ground area
6,722 m²
Building footprint
327 m²
Volume, LiDAR
1,650 m³
Parcel 46007C0228/00D000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LAMBEDIR
Schuifelstraat 17, 9160 LokerenInsurance, reinsurance and pension funding, except compulsory social security
since 19952.072.574.551
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46007C0228/00D000 Flanders 6,722 m² 1 · 327 m² 9.4 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.

Structure & network

Ownership & control

1 board mandate
Board mandates of this companythis company sits on their board1

Similar companies · same sector, comparable size

Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 29,316 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification
Legal formPublic limited company
Founded12-06-1995
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46720Wholesale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.