Summary
LAMIBEL 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 €2.2m and a net result of €35,749. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 43% of 2451 sector peers (fiscal year 2025). The company has been active since 2013 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
95 d late
2023
92 d late
2022
31 d late
2021
143 d late
2020
220 d late
2019
115 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 90 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 1 November (4 of the last 5 filed years within 62 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
Equity
€2.2m▲ 1.6%
2024 · €2.2m
Net result
€35,749▲ 139%
2024 · €14,961
Total assets
€4.3m▲ 2.9%
2024 · €4.1m
Solvency
52.7%▼ 0.6pp
2024 · 53.4%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€58,791▲ 64.3%€64,825▲ 10.3%€78,404▲ 20.9%€84,338▲ 7.6%€99,183▲ 17.6%
Net result€94,752within the sector's middle half▼ 37.6%€20,919within the sector's middle half▼ 77.9%€40,131within the sector's middle half▲ 91.8%€14,961within the sector's middle half▼ 62.7%€35,749within the sector's middle half▲ 139%
Equity€2.1mwithin the sector's middle half▼ 94.7%€2.2mwithin the sector's middle half▲ 1.0%€2.2mwithin the sector's middle half▲ 1.9%€2.2mwithin the sector's middle half▲ 0.7%€2.2mwithin the sector's middle half▲ 1.6%
Total assets€4.2mwithin the sector's middle half▼ 90.0%€4.2mwithin the sector's middle half▲ 1.2%€4.3mwithin the sector's middle half▲ 1.5%€4.1mwithin the sector's middle half▼ 3.7%€4.3mwithin the sector's middle half▲ 2.9%
Debt€2.1m▲ 7.5%€2.1m▲ 1.4%€2.1m▲ 1.1%€1.9m▼ 8.3%€2.0m▲ 4.3%
Working capital-€1.9mbelow the sector's middle half-€1.8mbelow the sector's middle half▲ 2.4%-€1.8mbelow the sector's middle half▲ 2.2%-€1.8mbelow the sector's middle half▲ 1.8%-€1.7mbelow the sector's middle half▲ 3.0%
Solvency50.9%within the sector's middle half▼ 44.5pp50.9%within the sector's middle half▼ 0.1pp51.0%within the sector's middle half▲ 0.2pp53.4%within the sector's middle half▲ 2.3pp52.7%within the sector's middle half▼ 0.6pp
Current ratio0.07below the sector's middle half▼ 13.410.10below the sector's middle half▲ 0.030.13below the sector's middle half▲ 0.040.07below the sector's middle half▼ 0.060.14below the sector's middle half▲ 0.07
Return on assets (ROA)2.3%within the sector's middle half▲ 1.9pp0.5%within the sector's middle half▼ 1.8pp0.9%within the sector's middle half▲ 0.4pp0.4%within the sector's middle half▼ 0.6pp0.8%within the sector's middle half▲ 0.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.3m
Fixed assets
€4.0m ▼ 0.4%
Current assets
€271,895 ▲ 99.3%
Equity and liabilities €4.3m
Equity
€2.2m ▲ 1.6%
Debt
€2.0m ▲ 4.3%
Debt's share of the balance-sheet total rises from 46.6% to 47.3%. Equity and debt are higher.
Key figures and ratios
ROE
1.6%▲
2024 · 0.7%
Debt ≤ 1 year
€2.0m▲
2024 · €1.9m
Debt > 1 year
€25,000=
2024 · €25,000
Income taxes
€29,192▲
2024 · €5,604
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,229 | €17,229 | €17,229 | €17,403 | €17,403 | = |
| Other operating charges640/8 | €4,709 | €4,917 | €5,272 | €5,469 | €998 | ▼ 81.7% |
| Gross operating margin9900 | €80,729 | €86,971 | €100,905 | €107,210 | €117,584 | ▲ 9.7% |
| Operating profit (loss)9901 | €58,791 | €64,825 | €78,404 | €84,338 | €99,183 | ▲ 17.6% |
| Financial income75/76B | €89,039 | €22,491 | €22,491 | €22,553 | €22,491 | ▼ 0.3% |
| Recurring financial income75 | €89,039 | €22,491 | €22,491 | €22,553 | €22,491 | ▼ 0.3% |
| Financial charges65/66B | €18,281 | €67,858 | €60,764 | €86,326 | €56,733 | ▼ 34.3% |
| Recurring financial charges65 | €18,281 | €67,858 | €60,764 | €86,326 | €56,733 | ▼ 34.3% |
| Profit (loss) for the period before taxes9903 | €129,549 | €19,458 | €40,131 | €20,565 | €64,941 | ▲ 216% |
| Income taxes67/77 | €34,798 | -€1,461 | - | €5,604 | €29,192 | ▲ 421% |
| Profit (loss) for the period9904 | €94,752 | €20,919 | €40,131 | €14,961 | €35,749 | ▲ 139% |
| Profit (loss) for the period to be appropriated9905 | €94,752 | €20,919 | €40,131 | €14,961 | €35,749 | ▲ 139% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.2m | €4.2m | €4.3m | €4.1m | €4.3m | ▲ 2.9% |
| Fixed assets21/28 | €4.1m | €4.0m | €4.0m | €4.0m | €4.0m | ▼ 0.4% |
| Tangible fixed assets22/27 | €1.8m | €1.8m | €1.8m | €1.8m | €1.7m | ▼ 1.0% |
| Land and buildings22 | €1.8m | €1.8m | €1.8m | €1.8m | €1.7m | ▼ 1.0% |
| Financial fixed assets28 | €2.2m | €2.2m | €2.2m | €2.2m | €2.2m | = |
| Current assets29/58 | €132,255 | €198,333 | €279,611 | €136,432 | €271,895 | ▲ 99.3% |
| Amounts receivable within one year40/41 | €14,367 | €36,858 | €59,349 | €81,902 | €104,838 | ▲ 28.0% |
| Trade receivables40 | - | - | - | - | €446 | - |
| Other amounts receivable41 | €14,367 | €36,858 | €59,349 | €81,902 | €104,393 | ▲ 27.5% |
| Cash at bank and in hand54/58 | €117,888 | €152,917 | €220,262 | €54,530 | €167,057 | ▲ 206% |
| Deferred charges and accrued income490/1 | - | €8,558 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.2m | €4.2m | €4.3m | €4.1m | €4.3m | ▲ 2.9% |
| Equity10/15 | €2.1m | €2.2m | €2.2m | €2.2m | €2.2m | ▲ 1.6% |
| Contributions10/11 | €300,000 | €300,000 | €300,000 | €300,000 | €300,000 | = |
| Reserves13 | €57,400 | €57,400 | €57,400 | €57,400 | €57,400 | = |
| Non-distributable reserves130/1 | €57,400 | - | - | - | - | - |
| Reserves not available under the articles1311 | €57,400 | - | - | - | - | - |
| Distributable reserves133 | - | €57,400 | €57,400 | €57,400 | €57,400 | = |
| Profit (loss) carried forward14 | €1.8m | €1.8m | €1.8m | €1.9m | €1.9m | ▲ 1.9% |
| Amounts payable17/49 | €2.1m | €2.1m | €2.1m | €1.9m | €2.0m | ▲ 4.3% |
| Amounts payable after more than one year17 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Other amounts payable178/9 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Amounts payable within one year42/48 | €2.0m | €2.0m | €2.1m | €1.9m | €2.0m | ▲ 4.3% |
| Financial debts43 | €1.8m | €1.8m | €1.8m | €1.6m | €1.7m | ▲ 4.4% |
| Credit institutions430/8 | €1.8m | €1.8m | €1.8m | €1.6m | €1.7m | ▲ 4.4% |
| Trade debts44 | €4,876 | €19,463 | €34,507 | €10,762 | €10,762 | = |
| Suppliers440/4 | €4,876 | €19,463 | €34,507 | €10,762 | €10,762 | = |
| Taxes, remuneration and social security45 | €34,573 | €39,912 | - | €5,604 | €17,331 | ▲ 209% |
| Taxes450/3 | €34,573 | €39,912 | - | €5,604 | €17,331 | ▲ 209% |
| Other amounts payable47/48 | €180,176 | €180,176 | €260,176 | €280,176 | €280,176 | = |
| Accrued charges and deferred income492/3 | €8,250 | €16,255 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €94,752 | €20,919 | €40,131 | €14,961 | €35,749 | ▲ 139% |
| + Depreciation and write-downs630 | €17,229 | €17,229 | €17,229 | €17,403 | €17,403 | = |
| Operating cash flow (approximation) | €111,980 | €38,148 | €57,360 | €32,364 | €53,152 | ▲ 64.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€0 | €0 | ▲ 138% |
| Change in cash | - | €35,029 | €67,345 | -€165,732 | €112,527 | ▲ 168% |
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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
03-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 95 days late
2024
31-12
Financial
Weakest financial yearnet €14,961 ▼62.7%
Net result drops to €14,961, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 92 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 143 days late
08-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 220 days late
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 99 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
11 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, Watermaal-Bosvoorde · 1 establishment unit since 2013
Ground area
6,961 m²
Building footprint
3,342 m²
Volume, LiDAR
68,771 m³
2 parcels, Brussels · tallest building 45.6 m, ±8 floors. Linked by address, not a title deed.
288
companies at this address
See who is registered here
1 establishment unit
LAMIBEL
since 20132.280.518.894
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0039/00H003 | Brussels | 5,127 m² | 1 · 1,510 m² | 36.3 m · 1 fl. |
| 21822R0224/00S007 | Brussels | 1,833 m² | 1 · 1,831 m² | 45.6 m · 8 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
G.F.C.
BE 0877.443.489
Kampenhout · Eq €2,244,099
ATEJA
BE 0842.329.390
Meise · Eq €2,245,275
MEEDIO
BE 0817.182.537
Wevelgem · Eq €2,245,659
ASD GROUPE
BE 0831.216.259
Herve · Eq €2,241,629
Griet Vandenheede
BE 0843.205.162
Damme · Eq €2,241,023
Of 24,721 companies in sector 64210 we hold annual accounts for 19,799. 10,584 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
Founded26-12-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.