LECOMTE - BECKERS
ActiveLECOMTE - BECKERS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.82M and a net result of €77k. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-3
Solvency100▲+21
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 6.55 against 3.16 in 2024; short-term debt: 5% and cash: 2.3% of total assets), and 17.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
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
82.6%
Return on assets
3.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
29 d late
2023
49 d late
2022
21 d early
2021
82 d late
2020
82 d early
2019
14 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€77k▲ 13.3%
2024 · €68k
2018: €41k
2019: €38k
2020: €3k
2021: €46k
2022: €526k
2023: €47k
2024: €68k
2018 → 2025
Working capital
€612k▲ 17.4%
2024 · €521k
2018: €358k
2019: €402k
2020: €358k
2021: €130k
2022: €522k
2023: €534k
2024: €521k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€280k-€606k▲ 117%€619k▲ 2.1%€644k▲ 4.1%€1.82M▲ 183%
Operating result€69k-€710k▲ 922%€67k▼ 90.5%€98k▲ 46.4%€102k▲ 3.6%
Net result€46k-€526k▲ 1,044%€47k▼ 91.0%€68k▲ 44.0%€77k▲ 13.3%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.21M
Fixed assets
€1.48M▲ 249%
Current assets
€722k▼ 5.3%
Equity and liabilities €2.21M
Equity
€1.82M▲ 183%
Debt
€385k▼ 29.2%
The debt ratio falls from 45.8% to 17.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€149k▲
2024 · €148k
Cash flow
€125k▲
2024 · €118k
Solvency
82.6%▲
2024 · 54.2%
Current ratio
6.55▲
2024 · 3.16
Quick ratio
6.55▲
2024 · 3.16
Debt / equity
0.21▼
2024 · 0.84
ROE
4.2%▼
2024 · 10.6%
ROA
3.5%▼
2024 · 5.7%
Interest coverage
9.57▲
2024 · 6.52
Debt
€385k▼
2024 · €544k
Debt ≤ 1 year
€110k▼
2024 · €242k
Debt > 1 year
€274k▼
2024 · €302k
Income taxes
€30k▲
2024 · €29k
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€1.19M€2.21M▲
Fixed assets21/28€425k€1.48M▲
Tangible fixed assets22/27€425k€1.48M▲
Land and buildings22€374k€1.45M▲
Plant, machinery and equipment23€46k€36k▼
Furniture and vehicles24€5k€2k▼
Financial fixed assets28€50-
Current assets29/58€763k€722k▼
Amounts receivable within one year40/41€651k€664k▲
Trade receivables40€30k€40k▲
Other amounts receivable41€621k€624k▲
Cash at bank and in hand54/58€104k€51k▼
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.19M€2.21M▲
Equity10/15€644k€1.82M▲
Contributions10/11€25k€25k=
Revaluation surpluses12-€1.10M
Reserves13€69k€69k=
Non-distributable reserves130/1€13k€13k=
Reserves not available under the articles1311€13k€13k=
Tax-exempt reserves132€56k€56k=
Profit (loss) carried forward14€550k€627k▲
Amounts payable17/49€544k€385k▼
Amounts payable after more than one year17€302k€274k▼
Financial debts170/4€302k€274k▼
Amounts payable within one year42/48€242k€110k▼
Current portion of amounts payable after more than one year42€53k€26k▼
Financial debts43€80k-
Credit institutions430/8€80k-
Trade debts44€14k€22k▲
Suppliers440/4€14k€22k▲
Taxes, remuneration and social security45€50k€62k▲
Taxes450/3€50k€62k▲
Other amounts payable47/48€44k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€48k▼
Other operating charges640/8€10k€14k▲
Gross operating margin9900€158k€163k▲
Operating profit (loss)9901€98k€102k▲
Financial income75/76B€21k€21k▼
Recurring financial income75€21k€21k▼
Financial charges65/66B€23k€16k▼
Recurring financial charges65€23k€16k▼
Profit (loss) for the period before taxes9903€97k€107k▲
Income taxes67/77€29k€30k▲
Profit (loss) for the period9904€68k€77k▲
Profit (loss) for the period to be appropriated9905€68k€77k▲
Appropriation of the result
Profit (loss) to be appropriated9906€593k€627k▲
Profit (loss) brought forward from the previous period14P€525k€550k▲
Profit to be distributed694/7€43k-
Return on contributions (dividend)694€43k-
The notes to these accounts (14 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
01-09
State Gazette act
Capital & shares · RestructuringGeneral meeting · Demerger · Accounting effect6 facts ▸
State Gazette act
Capital & shares · Restructuring
General meeting · Demerger · Accounting effect6 facts ▸
- General meeting, 2026-07-30
- Demerger, partial, 1 action de la société bénéficiaire pour une (1) action de la société scindée
- Accounting effect, 2026-01-01
- Real estate, nonante-huit pour cent (98%) indivis du bien suivant
- Power of attorney, Laura MILER
- Share attribution, 150 actions attribuées à Jean-Pierre LECOMTE et Françoise BECKERS, actionnaires de la société scindée
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 6.55
Current ratio from 3.16 to 6.55; short-term debt falls from €242k to €110k.
31-12
Financial
Equity above €1MEq €1.82M ▲183%
8 profitable years in a row build equity to €1.82M.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €526k ▲1044%
Operating result €710k, net result €526k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.75
Current ratio from 1.30 to 3.75; short-term debt falls from €426k to €190k.
31-12
Financial
Equity above €500kEq €606k ▲117%
5 profitable years in a row build equity to €606k.
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 82 days late
2021
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €3k ▼93%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
22-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
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, Havelange · 1 establishment unit since 2001
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.
Avenue de Criel(H) 215370 HavelangeGround area
2,416 m²
Building footprint
177 m²
Parcel 91064E0054/00X000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Avenue de Criel(H) 21, 5370 Havelange
since 20012.098.468.405
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91064E0054/00X000 | Wallonia | 2,416 m² | 1 · 177 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
2 transactionsContributed a business line to:FBHL IMMO
Contributed a business line to:FBHL IMMO
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Of 1,266 companies in sector 47300 we hold annual accounts for 946. 415 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2001
Fiscal year end31-12
Activities, NACEBEL
47300Retail sale of automotive fuel
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47241Retail sale of bread and pastry (bakery outlets)
47632Retail sale of bicycles
47785Retail trade
50103
50200
52240
52492
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.