LAMBERT S&O IMMO
ActiveLAMBERT S&O IMMO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €241k and a net result of €48k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 27% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability99▼-1
Solvency26▼-5
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.62 in 2024), and 75% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25%
Return on assets
5%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
6 d early
2023
41 d early
2022
9 d late
2021
47 d early
2020
32 d early
2019
39 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€241k▲ 4.6%
2024 · €231k
2018: €111k
2019: €101k
2020: €139k
2021: €193k
2022: €207k
2023: €210k
2024: €231k
2018 → 2025
Total assets
€965k▲ 9.1%
2024 · €885k
2018: €626k
2019: €653k
2020: €658k
2021: €653k
2022: €918k
2023: €936k
2024: €885k
2018 → 2025
Net result
€48k▼ 16.7%
2024 · €58k
2018: €19k
2019: €-11k
2020: €39k
2021: €38k
2022: €25k
2023: €69k
2024: €58k
2018 → 2025
Working capital
€-161k▼ 282%
2024 · €-42k
2018: €-51k
2019: €-15k
2020: €-29k
2021: €8k
2022: €-33k
2023: €-35k
2024: €-42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€193k-€207k▲ 6.9%€210k▲ 1.5%€231k▲ 10.1%€241k▲ 4.6%
Operating result€31k-€14k▼ 52.9%€38k▲ 159%€65k▲ 72.1%€61k▼ 6.4%
Net result€38k-€25k▼ 35.7%€69k▲ 182%€58k▼ 16.7%€48k▼ 16.7%
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 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €965k
Fixed assets
€891k▲ 9.3%
Current assets
€74k▲ 7.0%
Equity and liabilities €965k
Equity
€241k▲ 4.6%
Debt
€724k▲ 10.7%
The debt ratio rises from 73.9% to 75.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€108k▼
2024 · €112k
Cash flow
€95k▼
2024 · €105k
Solvency
25.0%▼
2024 · 26.1%
Current ratio
0.32▼
2024 · 0.62
Quick ratio
0.32▼
2024 · 0.62
Debt / equity
3.00▲
2024 · 2.83
ROE
19.9%▼
2024 · 25.0%
ROA
5.0%▼
2024 · 6.5%
Interest coverage
10.10▲
2024 · 9.03
Debt
€724k▲
2024 · €654k
Debt ≤ 1 year
€236k▲
2024 · €112k
Debt > 1 year
€486k▼
2024 · €539k
Income taxes
€18k▲
2024 · €13k
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€885k€965k▲
Fixed assets21/28€815k€891k▲
Tangible fixed assets22/27€695k€651k▼
Land and buildings22€682k€639k▼
Plant, machinery and equipment23€911€517▼
Furniture and vehicles24€13k€11k▼
Financial fixed assets28€120k€240k▲
Current assets29/58€70k€74k▲
Amounts receivable within one year40/41€26k€8k▼
Trade receivables40€2k€3k▲
Other amounts receivable41€24k€5k▼
Cash at bank and in hand54/58€43k€67k▲
Deferred charges and accrued income490/1€697-
Equity and liabilities
Total equity and liabilities10/49€885k€965k▲
Equity10/15€231k€241k▲
Contributions10/11€19k€19k=
Reserves13€200k€211k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€665€665=
Distributable reserves133€197k€209k▲
Investment grants15€13k€11k▼
Amounts payable17/49€654k€724k▲
Amounts payable after more than one year17€539k€486k▼
Financial debts170/4€539k€486k▼
Amounts payable within one year42/48€112k€236k▲
Current portion of amounts payable after more than one year42€47k€50k▲
Trade debts44€882€2k▲
Suppliers440/4€882€2k▲
Taxes, remuneration and social security45€8k€14k▲
Taxes450/3€8k€14k▲
Other amounts payable47/48€56k€170k▲
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€73-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€47k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€115k€111k▼
Operating profit (loss)9901€65k€61k▼
Financial income75/76B€19k€16k▼
Recurring financial income75€19k€16k▼
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€71k€66k▼
Income taxes67/77€13k€18k▲
Profit (loss) for the period9904€58k€48k▼
Profit (loss) for the period to be appropriated9905€58k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€48k▼
Transfer from equity791/2-€36k
Transfer to equity691/2€22k€48k▲
To other reserves6921€22k€48k▲
Profit to be distributed694/7€35k€36k▲
Return on contributions (dividend)694€35k€36k▲
The notes to these accounts (8 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €69k ▲182%
Net result €69k, the highest in the series.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Equity above €200kEq €207k ▲6.9%
3 profitable years in a row build equity to €207k.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 1.19
Current ratio from 0.55 to 1.19; short-term debt falls from €65k to €40k.
31-12
Financial
Equity above €150kEq €193k ▲38.9%
2 profitable years in a row build equity to €193k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-11k ▼157%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 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, Hamois · 1 establishment unit since 2014
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.
Rue du Monument, Schaltin 105364 HamoisGround area
2,011 m²
Building footprint
222 m²
Parcel 91116B0662/00B004, Wallonia. Linked by address, not a title deed.
1 establishment unit
LAMBERT S&O
since 20142.233.264.058
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91116B0662/00B004 | Wallonia | 2,011 m² | 1 · 222 m² | - |
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.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 38,919 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sebastien@cellierlambert.be
Phone:0497/54.02.21