LAMBERTO PROJECTS
ActiveSummary
The annual accounts of LAMBERTO PROJECTS for fiscal year 2025 show a net loss of 135% of the equity at the start of that year. The 2025 annual accounts show equity of €595 and a net result of €-24k. Equity is shrinking by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 20% of 14079 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▼-11
Solvency25▼-2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.15 against 0.44 in 2024; short-term debt: 32.7% and cash: 1.3% of total assets), and 99.9% of the assets are financed with debt.
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 68
Relative position
BE, all sectors
reference
Sector 68
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 dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
0.1%
Return on assets
-2.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-24k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 14079 sector peers (2025).
NBB · sector comparisonPosition among 14079 sector peers
Solvency
better than 20%
← weakest
strongest →
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
15 d early
2023
6 d early
2022
31 d early
2021
24 d early
2020
26 d early
2019
15 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€595▼ 96.6%
2024 · €18k
2018: €28k
2019: €33k
2020: €30k
2021: €26k
2022: €26k
2023: €19k
2024: €18k
2018 → 2025
Total assets
€928k▼ 14.9%
2024 · €1.09M
2018: €579k
2019: €968k
2020: €905k
2021: €1.09M
2022: €1.09M
2023: €1.07M
2024: €1.09M
2018 → 2025
Net result
€-24k▼ 1,110%
2024 · €-2k
2018: €-31k
2019: €6k
2020: €7k
2021: €5k
2022: €578
2023: €-7k
2024: €-2k
2018 → 2025
Working capital
€-259k▼ 12.2%
2024 · €-231k
2018: €451k
2019: €865k
2020: €-117k
2021: €-111k
2022: €-234k
2023: €-234k
2024: €-231k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€26k▲ 2.3%€19k▼ 25.3%€18k▼ 10.1%€595▼ 96.6%
Operating result€38k-€21k▼ 45.8%€8k▼ 59.6%€17k▲ 105%€-8k
Net result€5k-€578▼ 87.6%€-7k€-2k▲ 70.3%€-24k▼ 1,110%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €17k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €928k
Fixed assets
€884k ▼ 3.1%
Current assets
€44k ▼ 75.2%
Equity and liabilities €928k
Equity
€595 ▼ 96.6%
Debt
€928k ▼ 13.6%
Debt's share of the balance-sheet total rises from 98.4% to 99.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€37k▼
2024 · €64k
Cash flow
€22k▼
2024 · €44k
Current ratio
0.15▼
2024 · 0.44
ROA
-2.6%▼
2024 · -0.2%
Interest coverage
2.41▼
2024 · 3.37
Debt ≤ 1 year
€303k▼
2024 · €410k
Debt > 1 year
€622k▼
2024 · €662k
Income taxes
€103▼
2024 · €338
Equity ratios withheld: equity of €595 is too small for a meaningful ratio.
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.09M€928k▼
Fixed assets21/28€912k€884k▼
Tangible fixed assets22/27€912k€884k▼
Land and buildings22€906k€882k▼
Furniture and vehicles24€6k€2k▼
Financial fixed assets28€33€0▼
Current assets29/58€179k€44k▼
Amounts receivable within one year40/41€169k€27k▼
Trade receivables40€169k€27k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€6k€12k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.09M€928k▼
Equity10/15€18k€595▼
Contributions10/11€13k€19k▲
Reserves13€28k€30k▲
Distributable reserves133€28k€30k▲
Profit (loss) carried forward14€-23k€-48k▼
Amounts payable17/49€1.07M€928k▼
Amounts payable after more than one year17€662k€622k▼
Financial debts170/4€662k€622k▼
Amounts payable within one year42/48€410k€303k▼
Current portion of amounts payable after more than one year42€46k€49k▲
Financial debts43€272€17k▲
Credit institutions430/8€272€17k▲
Trade debts44€3k€24k▲
Suppliers440/4€3k€24k▲
Taxes, remuneration and social security45€1k€5k▲
Taxes450/3€1k€5k▲
Other amounts payable47/48€360k€209k▼
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Non-recurring operating income76A€15k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€45k▼
Other operating charges640/8€7k€8k▲
Gross operating margin9900€70k€45k▼
Operating profit (loss)9901€17k€-8k▼
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€19k€15k▼
Recurring financial charges65€19k€15k▼
Profit (loss) for the period before taxes9903€-2k€-24k▼
Income taxes67/77€338€103▼
Profit (loss) for the period9904€-2k€-24k▼
Profit (loss) for the period to be appropriated9905€-2k€-24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-48k▼
Profit (loss) brought forward from the previous period14P€-21k€-24k▼
The notes to these accounts (12 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
03-02
State Gazette act
Capital & shares · Purpose · RestructuringMerger · Dissolution · Accounting effect6 facts ▸
State Gazette act
Capital & shares · Purpose · Restructuring
Merger · Dissolution · Accounting effect6 facts ▸
- General meeting, 15-12-2025
- Merger, verrichting gelijkgesteld met fusie, 01-07-2025
- Dissolution, 01-07-2025
- Accounting effect, 01-07-2025
- Purpose change, De vennootschap heeft als voorwerp, zowel voor eigen rekening als voor rekening van derden, in België alsook in het buitenland, alle verrichtingen die, algemeen…
- Power of attorney, VGD ACCOUNTANTS EN BELASTINGCONSULENTEN
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €7k ▲28.3%
Net result €7k, the highest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 9.43
Current ratio from 4.52 to 9.43; short-term debt falls from €128k to €103k.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
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
5 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Temse · 1 establishment unit since 2010
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.
Lepelstraat 999140 TemseGround area
859 m²
Parcel 46023C0908/00T000, Flanders. Linked by address, not a title deed.
1 establishment unit
Lamberto Bouwexpertise
since 20102.187.974.659
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46023C0908/00T000 | Flanders | 859 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.
Structure & network
Acquisitions and mergers
1 transactionTook over:LAMBERTO BOUWEXPERTISE
Similar companies · same sector, comparable size
PILAR REAL ESTATE
BE 1011.062.771
Gent · Eq €595
AS MANAGEMENT
BE 1012.331.392
Genappe · Eq €598
DURVYN
BE 0726.703.313
Brussel · Eq €590
AenB Construct
BE 0707.793.756
Antwerpen · Eq €589
SPROVAN
BE 0897.731.832
Torhout · Eq €603
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 542 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 formPrivate limited company
Founded02-04-2010
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.