Lecomte Karel
ActiveLecomte Karel has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €372k and a net result of €58k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 57% of 7719 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+35
Solvency75▲+8
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.42 in 2024; short-term debt: 42.8% and cash: 17% of total assets), and 49.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
50.2%
Return on assets
7.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €372k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
60 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
30 d late
2019
28 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€372k▲ 18.5%
2024 · €314k
2018: €333k
2019: €342k
2020: €349k
2021: €353k
2022: €307k
2023: €291k
2024: €314k
2018 → 2025
Total assets
€742k▲ 0.2%
2024 · €740k
2018: €697k
2019: €594k
2020: €626k
2021: €606k
2022: €765k
2023: €776k
2024: €740k
2018 → 2025
Net result
€58k▲ 146%
2024 · €24k
2018: €3k
2019: €9k
2020: €7k
2021: €4k
2022: €-45k
2023: €-17k
2024: €24k
2018 → 2025
Working capital
€197k▲ 26.7%
2024 · €156k
2018: €125k
2019: €147k
2020: €140k
2021: €136k
2022: €150k
2023: €108k
2024: €156k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€353k-€307k▼ 12.9%€291k▼ 5.5%€314k▲ 8.1%€372k▲ 18.5%
Operating result€19k-€-30k€3k€43k▲ 1,506%€69k▲ 60.1%
Net result€4k-€-45k€-17k▲ 63.1%€24k€58k▲ 146%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 60% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €742k
Fixed assets
€227k▲ 8.3%
Current assets
€514k▼ 2.9%
Equity and liabilities €742k
Equity
€372k▲ 18.5%
Debt
€369k▼ 13.2%
The debt ratio falls from 57.5% to 49.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▲
2024 · €50k
Cash flow
€64k▲
2024 · €30k
Solvency
50.2%▲
2024 · 42.5%
Current ratio
1.62▲
2024 · 1.42
Quick ratio
1.57▲
2024 · 1.35
Debt / equity
0.99▼
2024 · 1.35
ROE
15.6%▲
2024 · 7.5%
ROA
7.8%▲
2024 · 3.2%
Interest coverage
6.75▲
2024 · 2.53
Debt
€369k▼
2024 · €426k
Debt ≤ 1 year
€317k▼
2024 · €374k
Income taxes
€64
Staff costs
€145k▼
2024 · €153k
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€740k€742k▲
Fixed assets21/28€210k€227k▲
Tangible fixed assets22/27€209k€226k▲
Land and buildings22€199k€199k=
Plant, machinery and equipment23€5k€23k▲
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€892€892=
Current assets29/58€530k€514k▼
Stocks and contracts in progress3€25k€16k▼
Stocks30/36€25k€16k▼
Amounts receivable within one year40/41€343k€364k▲
Trade receivables40€324k€359k▲
Other amounts receivable41€18k€5k▼
Cash at bank and in hand54/58€153k€126k▼
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€740k€742k▲
Equity10/15€314k€372k▲
Contributions10/11€19k€19k=
Reserves13€323k€323k=
Non-distributable reserves130/1€53k€53k=
Reserves not available under the articles1311€53k€53k=
Tax-exempt reserves132€721€721=
Distributable reserves133€269k€269k=
Profit (loss) carried forward14€-28k€30k▲
Amounts payable17/49€426k€369k▼
Amounts payable within one year42/48€374k€317k▼
Financial debts43€48k€62k▲
Credit institutions430/8€48k€62k▲
Trade debts44€210k€126k▼
Suppliers440/4€210k€126k▼
Taxes, remuneration and social security45-€6k
Remuneration and social security454/9-€6k
Other amounts payable47/48€117k€124k▲
Accrued charges and deferred income492/3€51k€52k▲
Income statement
Code20242025
Remuneration, social security and pensions62€153k€145k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€61k€44k▼
Gross operating margin9900€264k€265k▲
Operating profit (loss)9901€43k€69k▲
Financial income75/76B€287€271▼
Recurring financial income75€287€271▼
Financial charges65/66B€20k€11k▼
Recurring financial charges65€20k€11k▼
Profit (loss) for the period before taxes9903€24k€58k▲
Income taxes67/77-€64
Profit (loss) for the period9904€24k€58k▲
Profit (loss) for the period to be appropriated9905€24k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€30k▲
Profit (loss) brought forward from the previous period14P€-52k€-28k▲
Social balance
Average headcount (FTE)90873.03.0=
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €58k ▲146%
Operating result €69k, net result €58k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
31-12
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-45k ▼1258%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brugge · 2 establishment units since 1974
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.
Daverlostraat 2088310 BruggeGround area
1.5 ha
Building footprint
1,064 m²
Volume, LiDAR
5,195 m³
2 parcels, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Daverlostraat 208, 8310 Brugge
since 19742.009.691.926
Karel Lecomte bv
since 20252.392.882.310
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31810N0263/00G000 | Flanders | 1.4 ha | 1 · 719 m² | 6.9 m · 2 fl. |
| 31434C0236/00B006 | Flanders | 1,281 m² | 1 · 345 m² | 8.7 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
3 categoriesLecomte Karel BV32238
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Of 8,456 companies in sector 43120 we hold annual accounts for 3,232. 2,340 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-1974
Fiscal year end31-12
Activities, NACEBEL
43110Demolition
43120Site preparation
45111
45112
46831Wholesale of construction materials, general range
49410Freight transport by road
51532
71320
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.