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LEMALOC

Active
Private limited companyfounded 201412 yrs activeRijselseweg 164, 8902 Ieper, BelgiumKBO/BCE: BE 0555.899.278
Summary

LEMALOC has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €731k and a net result of €201k. Equity is growing by ~69.2% per year across the filed fiscal years. Its solvency ranks better than 27% of 968 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability75▼-2
Solvency42▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.16 in 2024; short-term debt: 21.1% and cash: 0.1% of total assets), and 83% of the assets are financed with debt.
Credit check for your own amount and term

Signals

Four 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 52
Relative position
BE, all sectors
reference
Warehousing and support activities for transportation (NACE 52)
about 72% more bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
17%
Return on assets
4.7%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 12 years 0 20 y
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
3 d early
2024
39 d early
2023
43 d early
2022
on the day
2021
4 d early
2020
2 d early
2019
on the day
← before the deadline after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€731k▲ 38.0%
2024 · €529k
Total assets
€4.29M▲ 0.2%
2024 · €4.28M
Net result
€201k▼ 26.6%
2024 · €274k
Working capital
€-792k▼ 4.4%
2024 · €-759k
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€39k▼ 21.0%€34k▼ 13.9%€191k▲ 467%€300k▲ 56.7%€306k▲ 2.0%
Net result€15k▼ 42.2%€8k▼ 46.5%€172k▲ 1,990%€274k▲ 59.4%€201k▼ 26.6%
Equity€75k▲ 25.8%€83k▲ 11.0%€255k▲ 206%€529k▲ 107%€731k▲ 38.0%
Total assets€902k▼ 2.8%€2.99M▲ 232%€3.04M▲ 1.6%€4.28M▲ 40.9%€4.29M▲ 0.2%
Debt€827k▼ 4.8%€2.91M▲ 252%€2.78M▼ 4.3%€3.75M▲ 34.8%€3.56M▼ 5.2%
Working capital€-159k▼ 1.7%€-576k▼ 261%€-539k▲ 6.4%€-759k▼ 40.8%€-792k▼ 4.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€100k€200k€300kOperating result 2021: €39k€39kNet result 2021: €15k€15kOperating result 2022: €34k€34kNet result 2022: €8k€8kOperating result 2023: €191k€191kNet result 2023: €172k€172kOperating result 2024: €300k€300kNet result 2024: €274k€274kOperating result 2025: €306k€306kNet result 2025: €201k€201k20212022202320242025€0€100k€200k€300kOperating result 2023: €191k€191kNet result 2023: €172k€172kOperating result 2024: €300k€300kNet result 2024: €274k€274kOperating result 2025: €306k€306kNet result 2025: €201k€201k202320242025
After the dip in 2022 the operating result has climbed three 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 €4.29M
Fixed assets €4.18M ▲ 0.9%
Current assets €113k ▼ 20.6%
Equity and liabilities €4.29M
Equity €731k ▲ 38.0%
Debt €3.56M ▼ 5.2%
Debt's share of the balance-sheet total falls from 87.6% to 83.0%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€433k▲
2024 · €406k
Cash flow
€329k▼
2024 · €380k
Current ratio
0.13▼
2024 · 0.16
Debt to equity
4.87▼
2024 · 7.09
ROE
27.5%▼
2024 · 51.8%
ROA
4.7%▼
2024 · 6.4%
Interest coverage
7.12▼
2024 · 15.81
Debt ≤ 1 year
€905k▲
2024 · €901k
Debt > 1 year
€2.65M▼
2024 · €2.85M
Income taxes
€44k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet Code20242025
Assets
Total assets20/58€4.28M€4.29M▲
Fixed assets21/28€4.14M€4.18M▲
Tangible fixed assets22/27€4.14M€4.18M▲
Land and buildings22€3.23M€3.30M▲
Other tangible fixed assets26€909k€879k▼
Current assets29/58€143k€113k▼
Amounts receivable within one year40/41€133k€103k▼
Trade receivables40€132k€102k▼
Other amounts receivable41€1k€1k▼
Cash at bank and in hand54/58€8k€6k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€4.28M€4.29M▲
Equity10/15€529k€731k▲
Contributions10/11€50k€50k=
Reserves13€479k€681k▲
Distributable reserves133€479k€681k▲
Amounts payable17/49€3.75M€3.56M▼
Amounts payable after more than one year17€2.85M€2.65M▼
Financial debts170/4€2.85M€2.65M▼
Amounts payable within one year42/48€901k€905k▲
Current portion of amounts payable after more than one year42€229k€236k▲
Trade debts44€63k€7k▼
Suppliers440/4€63k€7k▼
Taxes, remuneration and social security45€26k€79k▲
Taxes450/3€26k€79k▲
Other amounts payable47/48€584k€584k=
Accrued charges and deferred income492/3€1k€1k▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€106k€127k▲
Other operating charges640/8€25k€27k▲
Gross operating margin9900€431k€460k▲
Operating profit (loss)9901€300k€306k▲
Financial charges65/66B€26k€61k▲
Recurring financial charges65€26k€61k▲
Profit (loss) for the period before taxes9903€274k€245k▼
Income taxes67/77-€44k
Profit (loss) for the period9904€274k€201k▼
Profit (loss) for the period to be appropriated9905€274k€201k▼
Appropriation of the result
Profit (loss) to be appropriated9906€274k€201k▼
Transfer to equity691/2€274k€201k▼
To other reserves6921€274k€201k▼

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€74k€80k€106k€127k▲ 20.4%
Other operating charges640/8-€20k€20k€25k€27k▲ 6.1%
Gross operating margin9900€80k€127k€291k€431k€460k▲ 6.8%
Operating profit (loss)9901€39k€34k€191k€300k€306k▲ 2.0%
Financial income75/76B-€187€0---
Recurring financial income75-€187€0---
Financial charges65/66B-€26k€19k€26k€61k▲ 137%
Recurring financial charges65€18k€26k€19k€26k€61k▲ 137%
Profit (loss) for the period before taxes9903€21k€8k€172k€274k€245k▼ 10.6%
Income taxes67/77€6k€0--€44k-
Profit (loss) for the period9904€15k€8k€172k€274k€201k▼ 26.6%
Profit (loss) for the period to be appropriated9905€15k€8k€172k€274k€201k▼ 26.6%
Line20212022202320242025Change
Assets
Total assets20/58€902k€2.99M€3.04M€4.28M€4.29M▲ 0.2%
Fixed assets21/28€834k€2.89M€2.87M€4.14M€4.18M▲ 0.9%
Tangible fixed assets22/27€834k€2.89M€2.87M€4.14M€4.18M▲ 0.9%
Land and buildings22-€1.99M€1.94M€3.23M€3.30M▲ 2.1%
Other tangible fixed assets26-€896k€936k€909k€879k▼ 3.2%
Current assets29/58€68k€105k€165k€143k€113k▼ 20.6%
Amounts receivable within one year40/41€45k€85k€74k€133k€103k▼ 22.1%
Trade receivables40-€72k€73k€132k€102k▼ 22.3%
Other amounts receivable41-€13k€1k€1k€1k▼ 0.9%
Cash at bank and in hand54/58€23k€19k€90k€8k€6k▼ 28.2%
Deferred charges and accrued income490/1-€1k€2k€2k€4k▲ 115%
Equity and liabilities
Total equity and liabilities10/49€902k€2.99M€3.04M€4.28M€4.29M▲ 0.2%
Equity10/15€75k€83k€255k€529k€731k▲ 38.0%
Contributions10/11-€50k€50k€50k€50k=
Reserves13€25k€33k€205k€479k€681k▲ 42.0%
Distributable reserves133-€33k€205k€479k€681k▲ 42.0%
Profit (loss) carried forward14€-17k-----
Amounts payable17/49€827k€2.91M€2.78M€3.75M€3.56M▼ 5.2%
Amounts payable after more than one year17€598k€2.23M€2.08M€2.85M€2.65M▼ 6.9%
Financial debts170/4-€2.23M€2.08M€2.85M€2.65M▼ 6.9%
Amounts payable within one year42/48€227k€681k€704k€901k€905k▲ 0.4%
Current portion of amounts payable after more than one year42-€147k€148k€229k€236k▲ 3.0%
Trade debts44€593€37k€9k€63k€7k▼ 88.9%
Suppliers440/4-€37k€9k€63k€7k▼ 88.9%
Taxes, remuneration and social security45-€0€30k€26k€79k▲ 204%
Taxes450/3-€0€30k€26k€79k▲ 204%
Other amounts payable47/48-€496k€516k€584k€584k=
Accrued charges and deferred income492/3-€979€982€1k€1k▲ 3.9%
Line20212022202320242025Change
Profit (loss) for the period9904€15k€8k€172k€274k€201k▼ 26.6%
+ Depreciation and write-downs630€21k€74k€80k€106k€127k▲ 20.4%
Operating cash flow (approximation)€37k€82k€252k€380k€329k▼ 13.5%
Investment in fixed assets (approximation)-€-2.13M€-67k€-1.37M€-165k▲ 88.0%
Change in cash-€-4k€71k€-82k€-2k▲ 97.3%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2026
28-01
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2024
23-12
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial Highest result since 2019net €274k ▲59.4%
Net result €274k, the highest in the series.
30-06
Financial Equity above €500kEq €529k ▲107%
6 profitable years in a row build equity to €529k.
2023
19-12
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial Equity above €200kEq €255k ▲206%
5 profitable years in a row build equity to €255k.
31-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
26-01
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2016
20-12
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Ieper · 1 establishment unit since 2014
seat establishment The establishment unit on the map
Ground area
8,041 m²
Building footprint
4,093 m²
Volume, LiDAR
25,918 m³
Parcel 33027B0328/00M000, Flanders · tallest building 14.7 m, ±2 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
LEMALOC
Rijselseweg 164, 8902 IeperActivities auxiliary to financial services and insurance activities
since 20142.238.552.043
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
33027B0328/00M000 Flanders 8,041 m² 1 · 4,092 m² 14.7 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.

Similar companies · same sector, comparable size

Of 1,031 companies in sector 52100 we hold annual accounts for 766. 539 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
Founded10-07-2014
Fiscal year end30-06
Activities, NACEBEL 2025
52100Warehousing and storage
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities

Scores and ratios are computed by Checked and are not a credit decision.