LEMA
ActiveLEMA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €269k and a net result of €24k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 36% of 7955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72=
Solvency56▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.47 against 0.6 in 2024; short-term debt: 54.3% and cash: 24.7% of total assets), and 69.5% 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
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
30.5%
Return on assets
2.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
7 d late
2022
11 d late
2021
31 d early
2020
31 d late
2019
11 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k▲ 3.9%
2024 · €23k
2018: €1k
2019: €95
2020: €-22k
2021: €3k
2022: €18k
2023: €20k
2024: €23k
2018 → 2025
Working capital
€-254k▼ 29.1%
2024 · €-197k
2018: €-472k
2019: €-347k
2020: €-334k
2021: €-365k
2022: €-316k
2023: €-268k
2024: €-197k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€226k-€233k▲ 2.8%€243k▲ 4.3%€255k▲ 5.2%€269k▲ 5.3%
Operating result€-3k-€12k€15k▲ 25.9%€17k▲ 14.9%€17k▲ 1.9%
Net result€3k-€18k▲ 589%€20k▲ 13.0%€23k▲ 13.6%€24k▲ 3.9%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €880k
Fixed assets
€656k▲ 6.0%
Current assets
€224k▼ 22.8%
Equity and liabilities €880k
Equity
€269k▲ 5.3%
Debt
€611k▼ 6.5%
The debt ratio falls from 71.9% to 69.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€116k▲
2024 · €112k
Cash flow
€123k▲
2024 · €118k
Solvency
30.5%▲
2024 · 28.1%
Current ratio
0.47▼
2024 · 0.60
Quick ratio
0.47▼
2024 · 0.60
Debt / equity
2.27▼
2024 · 2.56
ROE
8.8%▼
2024 · 8.9%
ROA
2.7%▲
2024 · 2.5%
Interest coverage
33.05▲
2024 · 27.59
Debt
€611k▼
2024 · €654k
Debt ≤ 1 year
€478k▼
2024 · €487k
Debt > 1 year
€133k▼
2024 · €167k
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€909k€880k▼
Fixed assets21/28€619k€656k▲
Tangible fixed assets22/27€619k€656k▲
Land and buildings22€603k€644k▲
Plant, machinery and equipment23€15k€11k▼
Furniture and vehicles24€202€771▲
Current assets29/58€290k€224k▼
Amounts receivable within one year40/41€3k€6k▲
Trade receivables40€2k€6k▲
Other amounts receivable41€1k€632▼
Cash at bank and in hand54/58€282k€218k▼
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€909k€880k▼
Equity10/15€255k€269k▲
Contributions10/11€37k€37k=
Reserves13€164k€188k▲
Distributable reserves133€164k€188k▲
Investment grants15€54k€44k▼
Amounts payable17/49€654k€611k▼
Amounts payable after more than one year17€167k€133k▼
Financial debts170/4€167k€133k▼
Amounts payable within one year42/48€487k€478k▼
Current portion of amounts payable after more than one year42€33k€33k=
Trade debts44€9k-
Suppliers440/4€9k-
Other amounts payable47/48€444k€445k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€95k€99k▲
Other operating charges640/8€9k€9k▲
Gross operating margin9900€121k€125k▲
Operating profit (loss)9901€17k€17k▲
Financial income75/76B€10k€10k▲
Recurring financial income75€10k€10k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€23k€24k▲
Profit (loss) for the period9904€23k€24k▲
Profit (loss) for the period to be appropriated9905€23k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€158k€24k▼
Profit (loss) brought forward from the previous period14P€135k-
Transfer to equity691/2€158k€24k▼
To other reserves6921€158k€24k▼
The notes to these accounts (10 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €24k ▲3.9%
Operating result €17k, net result €24k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 7 days late
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 11 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-22k ▼23194%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 11 days late
2019
31-12
Financial
Equity above €200kEq €256k ▲30.4%
2 profitable years in a row build equity to €256k.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-06
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.
Directors · office · real estate
Directors
5 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, Pont-à-Celles · 1 establishment unit since 1995
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.
Rue du Coq(OB) 156230 Pont-à-CellesGround area
1,119 m²
Building footprint
153 m²
Parcel 52051A0400/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
LEMA
since 19952.072.020.760
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52051A0400/00E000 | Wallonia | 1,119 m² | 1 · 153 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.
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STERK BE
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Lahaye-Lardies
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JANS AGRO SERVICE in vereffening
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Of 956 companies in sector 46319 we hold annual accounts for 609. 426 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-05-1995
Fiscal year end31-12
Activities, NACEBEL
46319Wholesale of fruit and vegetables, excluding potatoes
51310
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.