Result
€213,709 €213,709
Back in profit in 2025, after a loss of €177,203 in 2024.
LAMBERT & F. -D.
Lifetime
20 annual accounts with figures on one time axis, 26 filings since 2000peak €49.6m (2025)
€49.6m▲ 13.4%
lowest -€177,203 (2024)
€213,709▲ €390,912
peak €14.1m (2021)
€10.9m▼ 5.8%
€11.5m▼ 16.7%
peak 58.6 FTE (2022)
58.6 FTE▲ 0.5%
Board7 names since 2018
2 directorsGROUPE LAMBERT HOLDING and 1 other
Owners
Documentsfilings and deeds
01-07-202630 days before the deadline
2025financial year
Turnover from €43.8m to €49.6mBack to profit: €213,709Demerger proposal: LAMBERT & F.-D. splits off to GROUPE LAMBE… 22-07Debts from €13.7m to €11.5mCash from €1.1m to €1.7m
Key points
from the 2025 annual accountsStaff
61 employees on 31-12-2025
In 2025, 13 people joined and 12 left. On top of that, 1.4 agency workers worked there on average.
Payment terms
53 days to suppliers
LAMBERT & F. -D. pays its suppliers 11 days earlier than in 2024. Customers pay 25 days earlier.
Filings
26 annual accounts since 2000
Three of the last ten came late. The 2024 accounts came latest: 29 days after the end of the period.
Restructuring
2026
Restructuring with GROUPE LAMBERT HOLDING. Restructuring on 19-01-2026.
Position in the sector
€10.9m
More equity than 85% of companies in wholesale trade. Sector median €1.6m · 6,120 companies.
Checked score
92
Excellent
Financially stronger than 48% of medium-sized companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 747 companies (NACE 46, medium-sized).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.4%▲ +0.1 percentage points vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.5%▲ +0.1 percentage points vs 06-2025
08-2025: 0.7%▲ +0.2 percentage points vs 07-2025
09-2025: 1.0%▲ +0.3 percentage points vs 08-2025highest value
10-2025: 0.5%▼ -0.5 percentage points vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.4%▼ -0.1 percentage points vs 01-2026
03-2026: 0.2%▼ -0.2 percentage points vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.1%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
8 establishment units
lowers risk
Founded in 2000
Equity €10.9m (48.8% of total assets)
Legal form: public limited company
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, medium-sized). It does better than 61% of them on solvency, 48% on liquidity, 31% on profitability and 53% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,887 companies had the same profile as LAMBERT & F. -D. has now. Each dot stands for 5 companies, two years later.
97.9%
were still trading
2.0%
stopped another way
0.1%
went bankrupt
That fits the bankruptcy probability of LAMBERT & F. -D. itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,887 companies, not a prediction for LAMBERT & F. -D.. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.05 (1.86 in 2024), above the usual 1.5. Short-term debt is 45.8% and cash 7.4% of total assets. However, 51.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 days early
2024
29 days late
2023
29 days early
2022
12 days early
2021
17 days early
2020
11 days early
2019
21 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 7 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 14 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- GROUPE LAMBERT HOLDING 100%equity €20.8m (2025) · deed of 19-01-2026
Shares in 3 companies, including GLORIEUX and PAINT HOUSE
Board & ownershipRecent changes
New company auditor
Heynen et Nyssen appointed, Neveux, Roger et associés resigned · General meeting of 29-06-2026 · Gazette deed
Demerger: LAMBERT & F.-D. splits off to GROUPE LAMBERT HOLDING
Capital from €339,323.77 to €314,127.70 · Capital from €314,127.70 to €314,200 · GROUPE LAMBERT HOLDING holds all the shares · General meeting of 29-12-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0473161743
Demerger proposal: LAMBERT & F.-D. splits off to GROUPE LAMBERT HOLDING
Permanent representative: Jean-Christophe LAMBERT · GROUPE LAMBERT HOLDING holds all the shares · The company holds all the shares of PAINT HOUSE · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LAMBERT & F. -D. Chièvres | €49.6m | 0.4% | 48.8% | 58.6 |
| COVARI Niel | €49.2m | 0.4% | 22.7% | 66.1 |
| Feeder One België Wommelgem | €57.9m | -1.9% | 41.5% | 72.2 |
| DISTRIPAINTS Kontich | €43.5m | 2.5% | 3.2% | 38.6 |
| CONSTRUCT PROTECT ENGINEERING Genk | €54.2m | 1.5% | 51.8% | 51.1 |
| STO Asse | €36.6m | 5.7% | 27.4% | 58.3 |
| BOPLAN Wevelgem | €45.1m | 18.2% | 85.6% | 112.9 |
Grey: the largest companies of the sector (wholesale trade (NACE 46)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as LAMBERT & F. -D.: wholesale of construction materials, general range (NACE 46831). They are comparable in size and age: total assets between €15m and €38m, founded between 1988 and 2006.
Official details
Source: KBO- Status
- Active since 31-10-2000Normal situation
- Activity
- Wholesale of construction materials, general rangeNACE 46831
- Joint committees
- 207White-collar workers in the chemical industry
- 116Chemical industry · annual accounts 2025
- Establishment units
- 2.136.736.1907950 Chièvres, since 30-11-2000
- 2.136.736.3887033 Mons, since 30-11-2000and 6 others
- Financial year end
- 31 December
- Peppol
- Reachable since 16-09-2025
Annual accounts 2025
- €22.4m▼ 11.7%
- Employeeson 31-12-2025
- 61▲ 1.7%
- Filing
- Filed on 01-07-2026, 30 days before the end of the filing period
Companies linked to LAMBERT & F. -D.
Subsidiaries and holdings
- GROUPE LAMBERT IMMO22.97%
Insights on LAMBERT & F. -D.
LAMBERT & F. -D. has existed since 2000. Turnover grew from €29.4m in 2006 to €49.6m in 2025 and staff from 40.6 to 58.6 full-time equivalents.
Turnover has grown every year since 2022.
GROUPE LAMBERT HOLDING holds all the shares. In February 2024, the Official Gazette published the appointment of GROUPE LAMBERT HOLDING as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LAMBERT & F. -D.
- What is the company number of LAMBERT & F. -D.?
- The company number of LAMBERT & F. -D. is 0473.161.743. The VAT number is the same number with BE in front: BE 0473.161.743.
- Where is LAMBERT & F. -D. based?
- The registered office is at Rue de la Quemogne 58, 7950 Chièvres.Company details
- What does LAMBERT & F. -D. do?
- According to the KBO register, the main activity is wholesale of construction materials, general range (NACE 46831).
- What is the legal form of LAMBERT & F. -D.?
- LAMBERT & F. -D. is a public limited company (NV).
- When was LAMBERT & F. -D. founded?
- LAMBERT & F. -D. was founded on 31-10-2000.
- Is LAMBERT & F. -D. still active?
- Yes, LAMBERT & F. -D. is an active enterprise in the KBO register.
- How many employees does LAMBERT & F. -D. have?
- LAMBERT & F. -D. had an average of 58.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does LAMBERT & F. -D. fall under?
- In its 2025 annual accounts, LAMBERT & F. -D. states joint committees 207 (White-collar workers in the chemical industry) and 116 (Chemical industry).
- What is the turnover of LAMBERT & F. -D.?
- The turnover of LAMBERT & F. -D. was €49.6m in financial year 2025, according to the filed annual accounts.
- Is LAMBERT & F. -D. profitable?
- In financial year 2025, LAMBERT & F. -D. made a profit of €213,709.
- Where can I find the annual accounts of LAMBERT & F. -D.?
- LAMBERT & F. -D. filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LAMBERT & F. -D. due?
- LAMBERT & F. -D. must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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