Summary
LAPIDEX 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 €404,734. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 92% of 8074 sector peers (fiscal year 2025). The company has been active since 2007 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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
9 d early
2023
28 d late
2022
11 d early
2021
29 d late
2020
30 d late
2019
59 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 16 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€2.2m▲ 15.7%
2024 · €1.9m
Net result
€404,734▼ 28.7%
2024 · €567,619
Total assets
€2.4m▲ 9.6%
2024 · €2.2m
Solvency
93.6%▲ 5.0pp
2024 · 88.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€277,197▲ 185%€504,347▲ 81.9%€353,746▼ 29.9%€760,967▲ 115%€407,216▼ 46.5%
Net result€197,773above the sector's middle half▲ 231%€344,494above the sector's middle half▲ 74.2%€271,658above the sector's middle half▼ 21.1%€567,619above the sector's middle half▲ 109%€404,734above the sector's middle half▼ 28.7%
Equity€1.1mabove the sector's middle half▲ 21.7%€1.1mabove the sector's middle half▼ 0.7%€1.4mabove the sector's middle half▲ 24.7%€1.9mabove the sector's middle half▲ 41.4%€2.2mabove the sector's middle half▲ 15.7%
Total assets€1.5mabove the sector's middle half▲ 10.0%€1.7mabove the sector's middle half▲ 14.8%€1.6mabove the sector's middle half▼ 7.9%€2.2mabove the sector's middle half▲ 36.7%€2.4mabove the sector's middle half▲ 9.6%
Debt€406,575▼ 12.7%€637,909▲ 56.9%€230,228▼ 63.9%€249,327▲ 8.3%€154,271▼ 38.1%
Working capital€734,875▲ 32.5%€707,761▼ 3.7%€933,192▲ 31.9%€1.4m▲ 54.8%€1.8m▲ 21.9%
Solvency73.1%within the sector's middle half▲ 7.0pp63.2%within the sector's middle half▼ 9.9pp85.6%above the sector's middle half▲ 22.4pp88.6%above the sector's middle half▲ 3.0pp93.6%above the sector's middle half▲ 5.0pp
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.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.4m
Fixed assets
€514,423 ▼ 8.8%
Current assets
€1.9m ▲ 15.9%
Equity and liabilities €2.4m
Equity
€2.2m ▲ 15.7%
Debt
€154,271 ▼ 38.1%
Debt's share of the balance-sheet total falls from 11.4% to 6.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
18.1%▼
2024 · 29.3%
ROA
16.9%▼
2024 · 26.0%
Debt ≤ 1 year
€117,028▼
2024 · €175,256
Debt > 1 year
€37,243▼
2024 · €74,070
Income taxes
€141,924▼
2024 · €229,548
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 | €44,976 | €42,653 | €40,041 | €48,958 | €49,479 | ▲ 1.1% |
| Other operating charges640/8 | €5,245 | €7,839 | €5,192 | €5,129 | €5,164 | ▲ 0.7% |
| Gross operating margin9900 | €327,418 | €554,839 | €398,979 | €815,054 | €461,859 | ▼ 43.3% |
| Operating profit (loss)9901 | €277,197 | €504,347 | €353,746 | €760,967 | €407,216 | ▼ 46.5% |
| Financial income75/76B | €16,555 | €16,662 | €24,147 | €40,778 | €143,550 | ▲ 252% |
| Recurring financial income75 | €16,555 | €16,662 | €24,147 | €40,778 | €143,550 | ▲ 252% |
| Financial charges65/66B | €4,248 | €11,521 | €4,896 | €4,578 | €4,108 | ▼ 10.3% |
| Recurring financial charges65 | €4,248 | €11,521 | €4,896 | €4,578 | €4,108 | ▼ 10.3% |
| Profit (loss) for the period before taxes9903 | €289,504 | €509,488 | €372,998 | €797,167 | €546,658 | ▼ 31.4% |
| Income taxes67/77 | €91,731 | €164,994 | €101,339 | €229,548 | €141,924 | ▼ 38.2% |
| Profit (loss) for the period9904 | €197,773 | €344,494 | €271,658 | €567,619 | €404,734 | ▼ 28.7% |
| Transfer from tax-exempt reserves789 | €111,843 | - | - | €75,780 | €50,871 | ▼ 32.9% |
| Transfer to tax-exempt reserves689 | €98,472 | - | €134,825 | €244,795 | €105,250 | ▼ 57.0% |
| Profit (loss) for the period to be appropriated9905 | €211,144 | €344,494 | €136,833 | €398,604 | €350,355 | ▼ 12.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €1.7m | €1.6m | €2.2m | €2.4m | ▲ 9.6% |
| Fixed assets21/28 | €576,849 | €535,083 | €518,181 | €563,902 | €514,423 | ▼ 8.8% |
| Tangible fixed assets22/27 | €576,661 | €534,883 | €517,981 | €563,702 | €514,223 | ▼ 8.8% |
| Land and buildings22 | €153,247 | €143,959 | €135,234 | €127,038 | €119,339 | ▼ 6.1% |
| Plant, machinery and equipment23 | - | - | €1,410 | €3,761 | €3,347 | ▼ 11.0% |
| Furniture and vehicles24 | €13,466 | €6,228 | €5,707 | €76,485 | €57,836 | ▼ 24.4% |
| Other tangible fixed assets26 | €409,948 | €384,696 | €375,630 | €356,418 | €333,701 | ▼ 6.4% |
| Financial fixed assets28 | €188 | €200 | €200 | €200 | €200 | = |
| Current assets29/58 | €933,905 | €1.2m | €1.1m | €1.6m | €1.9m | ▲ 15.9% |
| Amounts receivable after more than one year29 | €16,547 | €15,851 | - | - | - | - |
| Other amounts receivable291 | €16,547 | €15,851 | - | - | - | - |
| Amounts receivable within one year40/41 | €33,212 | €38,851 | €59,972 | €57,799 | €60,956 | ▲ 5.5% |
| Trade receivables40 | €33,212 | €38,851 | €48,279 | €57,757 | €60,891 | ▲ 5.4% |
| Other amounts receivable41 | - | - | €11,693 | €42 | €65 | ▲ 53.2% |
| Current investments50/53 | €753,230 | €1.0m | €954,656 | €1.5m | €1.8m | ▲ 17.8% |
| Cash at bank and in hand54/58 | €119,926 | €127,867 | €62,351 | €61,039 | €50,380 | ▼ 17.5% |
| Deferred charges and accrued income490/1 | €10,990 | €5,326 | €2,523 | €5,316 | €5,394 | ▲ 1.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €1.7m | €1.6m | €2.2m | €2.4m | ▲ 9.6% |
| Equity10/15 | €1.1m | €1.1m | €1.4m | €1.9m | €2.2m | ▲ 15.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1.1m | €1.1m | €1.3m | €1.9m | €2.2m | ▲ 15.9% |
| Tax-exempt reserves132 | €117,511 | €117,511 | €252,337 | €421,351 | €475,730 | ▲ 12.9% |
| Distributable reserves133 | €968,068 | €960,484 | €1.1m | €1.5m | €1.7m | ▲ 16.7% |
| Amounts payable17/49 | €406,575 | €637,909 | €230,228 | €249,327 | €154,271 | ▼ 38.1% |
| Amounts payable after more than one year17 | €207,432 | €146,036 | €83,919 | €74,070 | €37,243 | ▼ 49.7% |
| Financial debts170/4 | €207,432 | €146,036 | €83,919 | €74,070 | €37,243 | ▼ 49.7% |
| Amounts payable within one year42/48 | €199,030 | €491,660 | €146,309 | €175,256 | €117,028 | ▼ 33.2% |
| Current portion of amounts payable after more than one year42 | €61,885 | €61,421 | €62,117 | €77,793 | €36,828 | ▼ 52.7% |
| Financial debts43 | €94,424 | €13,152 | €2,414 | €18,926 | €2,841 | ▼ 85.0% |
| Credit institutions430/8 | €77,694 | €3,122 | €2,414 | €2,000 | €2,841 | ▲ 42.0% |
| Other loans439 | €16,730 | €10,030 | - | €16,926 | - | - |
| Trade debts44 | €2,824 | €18,569 | €17,007 | €6,211 | €7,920 | ▲ 27.5% |
| Suppliers440/4 | €2,824 | €18,569 | €17,007 | €6,211 | €7,920 | ▲ 27.5% |
| Taxes, remuneration and social security45 | €17,731 | €70,398 | €24,005 | €51,315 | €68,365 | ▲ 33.2% |
| Taxes450/3 | €17,731 | €70,398 | €24,005 | €51,315 | €65,103 | ▲ 26.9% |
| Remuneration and social security454/9 | - | - | - | - | €3,263 | - |
| Other amounts payable47/48 | €22,166 | €328,121 | €40,767 | €21,011 | €1,074 | ▼ 94.9% |
| Accrued charges and deferred income492/3 | €112 | €213 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €197,773 | €344,494 | €271,658 | €567,619 | €404,734 | ▼ 28.7% |
| + Depreciation and write-downs630 | €44,976 | €42,653 | €40,041 | €48,958 | €49,479 | ▲ 1.1% |
| Operating cash flow (approximation) | €242,749 | €387,147 | €311,699 | €616,577 | €454,213 | ▼ 26.3% |
| Investment in fixed assets (approximation) | - | -€887 | -€23,138 | -€94,679 | €0 | ▲ 100% |
| Change in cash | - | €7,941 | -€65,516 | -€1,311 | -€10,659 | ▼ 713% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €2mEq €2.2m ▲15.7%
7 profitable years in a row build equity to €2.2m.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €567,619 ▲109%
Operating result €760,967, net result €567,619, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 7.38
Current ratio from 2.44 to 7.38; short-term debt falls from €491,660 to €146,309.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
25-05
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2021
31-12
Financial
Equity above €1mEq €1.1m ▲21.7%
3 profitable years in a row build equity to €1.1m.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 59 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €101,717
Net result €101,717 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 5.50
Current ratio from 2.60 to 5.50; short-term debt falls from €236,763 to €166,920.
31-12
Financial
Equity above €1mEq €1.1m ▲10.5%
Equity rises from €970,779 to €1.1m.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
28-04
State Gazette act
Board meeting · Director resignation
Permanent representative
2013
17-09
State Gazette act
Board meeting · Director appointment
Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Gent · 1 establishment unit since 2007
Ground area
1,636 m²
Building footprint
310 m²
Volume, LiDAR
1,579 m³
Parcel 44082A0170/00A000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LAPIDEX
since 20072.160.865.733
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44082A0170/00A000 | Flanders | 1,636 m² | 1 · 310 m² | 8.6 m · 2 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
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
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Shareholding
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Linked via shared directors
IVC
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
3 locations
Recognitions · licences · registrations
Legal Entity Identifier
529900S1Y2T1083ZR057
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 10,592 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
Founded08-03-2007
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
Phone
0496.59.32.01Gent
E-invoicing
Reachable via Peppol
Peppol ID
0208:0887802990
Also
9925:BE0887802990
Registered
30-08-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.