Summary
LAMBOTTE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €164,957 and a net result of -€39,456. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 63% of 2464 sector peers (fiscal year 2025). The company has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
14 d early
2023
13 d early
2022
18 d late
2021
61 d early
2020
19 d late
2019
17 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 17 July (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€164,957▼ 19.3%
2024 · €204,413
Net result
-€39,456▼ 80.7%
2024 · -€21,838
Total assets
€254,934▼ 16.7%
2024 · €306,059
Solvency
64.7%▼ 2.1pp
2024 · 66.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€9,063▲ 49.9%€34,152€14,936▼ 56.3%-€18,522-€36,299▼ 96.0%
Net result€1,306below the sector's middle half€32,902within the sector's middle half▲ 2,419%€11,497within the sector's middle half▼ 65.1%-€21,838below the sector's middle half-€39,456below the sector's middle half▼ 80.7%
Equity€181,852within the sector's middle half▲ 0.7%€214,754within the sector's middle half▲ 18.1%€226,251within the sector's middle half▲ 5.4%€204,413within the sector's middle half▼ 9.7%€164,957within the sector's middle half▼ 19.3%
Total assets€231,407within the sector's middle half▼ 4.5%€345,135within the sector's middle half▲ 49.1%€328,496within the sector's middle half▼ 4.8%€306,059within the sector's middle half▼ 6.8%€254,934within the sector's middle half▼ 16.7%
Debt€49,555▼ 19.7%€130,380▲ 163%€102,245▼ 21.6%€101,645▼ 0.6%€89,977▼ 11.5%
Working capital€41,046within the sector's middle half▲ 212%€15,454within the sector's middle half▼ 62.3%€36,580within the sector's middle half▲ 137%€13,370within the sector's middle half▼ 63.5%-€16,752below the sector's middle half
Solvency78.6%above the sector's middle half▲ 4.1pp62.2%within the sector's middle half▼ 16.4pp68.9%within the sector's middle half▲ 6.7pp66.8%within the sector's middle half▼ 2.1pp64.7%within the sector's middle half▼ 2.1pp
Current ratio1.83within the sector's middle half▲ 0.601.22within the sector's middle half▼ 0.611.57within the sector's middle half▲ 0.351.19within the sector's middle half▼ 0.370.81below the sector's middle half▼ 0.38
Return on assets (ROA)0.6%below the sector's middle half▲ 8.4pp9.5%within the sector's middle half▲ 9.0pp3.5%within the sector's middle half▼ 6.0pp-7.1%below the sector's middle half▼ 10.6pp-15.5%below the sector's middle half▼ 8.3pp
Staff (FTE)4▲ 25.0%3.9▼ 2.5%3.3▼ 15.4%3.3=3.3=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €36,299 in 2025 against €18,522 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €254,934
Fixed assets
€181,709 ▼ 18.8%
Current assets
€73,226 ▼ 11.1%
Equity and liabilities €254,934
Equity
€164,957 ▼ 19.3%
Debt
€89,977 ▼ 11.5%
Debt's share of the balance-sheet total rises from 33.2% to 35.3%. Equity and debt are lower.
Key figures and ratios
ROE
-23.9%▼
2024 · -10.7%
Debt ≤ 1 year
€89,977▲
2024 · €69,025
Income taxes
€1,674▲
2024 · €1,584
Staff costs
€347,355▲
2024 · €323,191
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €52,589 | - | €226 | - | - |
| Remuneration, social security and pensions62 | €243,948 | €277,129 | €299,857 | €323,191 | €347,355 | ▲ 7.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35,286 | €28,434 | €36,642 | €37,917 | €41,955 | ▲ 10.7% |
| Other operating charges640/8 | €1,132 | €3,504 | €2,930 | €6,732 | €2,363 | ▼ 64.9% |
| Non-recurring operating charges66A | €7,412 | €819 | - | - | - | - |
| Gross operating margin9900 | €278,715 | €344,038 | €354,365 | €349,318 | €355,375 | ▲ 1.7% |
| Operating profit (loss)9901 | -€9,063 | €34,152 | €14,936 | -€18,522 | -€36,299 | ▼ 96.0% |
| Financial income75/76B | €11,828 | €477 | €30 | €641 | €794 | ▲ 23.9% |
| Recurring financial income75 | €11,828 | €477 | €30 | €641 | €794 | ▲ 23.9% |
| Financial charges65/66B | €585 | €616 | €1,975 | €2,373 | €2,278 | ▼ 4.0% |
| Recurring financial charges65 | €585 | €616 | €1,975 | €2,373 | €2,278 | ▼ 4.0% |
| Profit (loss) for the period before taxes9903 | €2,180 | €34,013 | €12,990 | -€20,254 | -€37,783 | ▼ 86.5% |
| Income taxes67/77 | €874 | €1,110 | €1,494 | €1,584 | €1,674 | ▲ 5.7% |
| Profit (loss) for the period9904 | €1,306 | €32,902 | €11,497 | -€21,838 | -€39,456 | ▼ 80.7% |
| Profit (loss) for the period to be appropriated9905 | €1,306 | €32,902 | €11,497 | -€21,838 | -€39,456 | ▼ 80.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €231,407 | €345,135 | €328,496 | €306,059 | €254,934 | ▼ 16.7% |
| Fixed assets21/28 | €140,806 | €258,617 | €227,320 | €223,664 | €181,709 | ▼ 18.8% |
| Tangible fixed assets22/27 | €58,831 | €176,642 | €145,345 | €141,689 | €99,734 | ▼ 29.6% |
| Plant, machinery and equipment23 | €4,228 | €3,383 | €2,537 | €4,243 | €3,120 | ▼ 26.5% |
| Furniture and vehicles24 | €23,495 | €147,198 | €120,796 | €119,069 | €81,408 | ▼ 31.6% |
| Other tangible fixed assets26 | €31,107 | €26,061 | €22,012 | €18,377 | €15,205 | ▼ 17.3% |
| Financial fixed assets28 | €81,975 | €81,975 | €81,975 | €81,975 | €81,975 | = |
| Current assets29/58 | €90,601 | €86,518 | €101,176 | €82,395 | €73,226 | ▼ 11.1% |
| Amounts receivable within one year40/41 | €40,846 | €40,459 | €43,231 | €45,317 | €46,076 | ▲ 1.7% |
| Trade receivables40 | €33,318 | €31,106 | €30,426 | €32,373 | €33,119 | ▲ 2.3% |
| Other amounts receivable41 | €7,528 | €9,353 | €12,805 | €12,944 | €12,957 | ▲ 0.1% |
| Cash at bank and in hand54/58 | €41,836 | €39,967 | €49,159 | €25,466 | €17,500 | ▼ 31.3% |
| Deferred charges and accrued income490/1 | €7,919 | €6,092 | €8,786 | €11,612 | €9,649 | ▼ 16.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €231,407 | €345,135 | €328,496 | €306,059 | €254,934 | ▼ 16.7% |
| Equity10/15 | €181,852 | €214,754 | €226,251 | €204,413 | €164,957 | ▼ 19.3% |
| Contributions10/11 | €227,216 | €227,216 | €227,216 | €227,216 | €227,216 | = |
| Reserves13 | €30,680 | €30,680 | €30,680 | €30,680 | €30,680 | = |
| Non-distributable reserves130/1 | €22,722 | €22,722 | €22,722 | €22,722 | €22,722 | = |
| Reserves not available under the articles1311 | €22,722 | €22,722 | €22,722 | €22,722 | €22,722 | = |
| Tax-exempt reserves132 | €7,958 | €7,958 | €7,958 | €7,958 | €7,958 | = |
| Profit (loss) carried forward14 | -€76,044 | -€43,142 | -€31,645 | -€53,483 | -€92,939 | ▼ 73.8% |
| Amounts payable17/49 | €49,555 | €130,380 | €102,245 | €101,645 | €89,977 | ▼ 11.5% |
| Amounts payable after more than one year17 | - | €59,316 | €37,649 | €32,620 | - | - |
| Financial debts170/4 | - | €59,316 | €37,649 | €32,620 | - | - |
| Amounts payable within one year42/48 | €49,555 | €71,064 | €64,595 | €69,025 | €89,977 | ▲ 30.4% |
| Current portion of amounts payable after more than one year42 | €4,683 | €21,224 | €21,702 | €29,364 | €33,283 | ▲ 13.3% |
| Trade debts44 | €5,660 | €4,235 | - | - | - | - |
| Suppliers440/4 | €5,660 | €4,235 | - | - | - | - |
| Taxes, remuneration and social security45 | €33,586 | €39,928 | €37,079 | €38,693 | €42,580 | ▲ 10.0% |
| Taxes450/3 | - | - | - | - | €579 | - |
| Remuneration and social security454/9 | €33,586 | €39,928 | €37,079 | €38,693 | €42,002 | ▲ 8.5% |
| Other amounts payable47/48 | €5,626 | €5,678 | €5,815 | €968 | €14,114 | ▲ 1,359% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,306 | €32,902 | €11,497 | -€21,838 | -€39,456 | ▼ 80.7% |
| + Depreciation and write-downs630 | €35,286 | €28,434 | €36,642 | €37,917 | €41,955 | ▲ 10.7% |
| Operating cash flow (approximation) | €36,592 | €61,337 | €48,139 | €16,079 | €2,499 | ▼ 84.5% |
| Investment in fixed assets (approximation) | - | -€146,245 | -€5,346 | -€34,261 | €0 | ▲ 100% |
| Change in cash | - | -€1,869 | €9,192 | -€23,693 | -€7,965 | ▲ 66.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Highest result since 2018net €32,902 ▲2,419%
Operating result €34,152, net result €32,902, both a record.
31-12
Financial
Equity above €200,000Eq €214,754 ▲18.1%
2 profitable years in a row build equity to €214,754.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €1,306
Net result €1,306 after 2 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Weakest financial yearnet -€94,134
Net result drops to -€94,134, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Dinant · 1 establishment unit since 1984
Ground area
839 m²
Building footprint
656 m²
Volume, LiDAR
5,473 m³
Parcel 91034E0446/04_000, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Avenue Franchet-d'Esperey 1, 5500 Dinant
since 19842.024.933.990
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91034E0446/04_000 | Wallonia | 839 m² | 1 · 656 m² | 10.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
38%
-
1%
According to the 2025 annual accounts of LAMBOTTE and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,821 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-05-1984
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Not found in the Peppol register
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Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.