Losses
-€126,465 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
LEMARA
Lifetime
18 annual accounts with figures on one time axis, 30 filings since 1996peak €288,224 (2022)
-€13,382▲ €38,830
lowest -€82,739 (2024)
-€43,725▲ €39,014
peak €705,869 (2023)
€579,404▼ 7.0%
€58,313▲ 24.8%
peak 1.6 FTE (2013)
-not published
Board1 name since 2021
1 directorVanderheyden Helena
Documentsfilings and deeds
06-07-202625 days before the deadline
2025micro format
Gross margin from -€52,212 to -€13,382Loss of €43,725Debts from €46,733 to €58,313Cash from €157,532 to €321,890
Key points
from the 2025 annual accountsFilings
30 annual accounts since 1996
Three of the last ten came late. The 2017 accounts came latest: 226 days after the end of the period.
Position in the sector
-€43,725
Lower net result than 95% of companies in wholesale trade. Sector median €5,606 · 13,813 companies.
Turnover not published (micro format)
Checked score
95
Excellent
Financially stronger than 58% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: 0.2%▲ +0.2 percentage points vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026highest value
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.1%▼ -0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Loss of €43,725, the second in a row (financial year 2025)
lowers risk
Liquidity: current ratio 8.15, cash €321,890
Equity €579,404 (90.9% of total assets)
Founded in 1995
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 90% of them on solvency, 98% on liquidity, 17% on profitability and 29% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 8,617 companies had the same profile as LEMARA has now. Each dot stands for 22 companies, two years later.
94.2%
were still trading
5.2%
stopped another way
0.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of LEMARA itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 8,617 companies, not a prediction for LEMARA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €55,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 8.15 (10.25 in 2024), above the usual 1.5. Short-term debt is 9.1% and cash 50.5% of total assets. 9.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€43,725
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 days early
2024
28 days late
2023
93 days early
2022
41 days early
2021
40 days early
2020
31 days early
2019
25 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 32 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 June (4 of the last 5 accounts filed within 52 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0455315723
Change of role: Vanderheyden Helena, from statutory manager to director
“De agentuur van bouwproducten en -materialen; De groothandel en kleinhandel, de invoer- en uitvoerhandel en de…” (deed in Dutch) · Director discharge: Vanderheyden Helena (statutory manager) · Gazette deed
Incorporation
published on 29-06-1995 · Gazette deed
First establishment
LEMARA BVBA, Dikke Eikstraat 24, Lummen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LEMARA Lummen | €637,717 | -€13,382 | 90.9% | - |
| BOUWMAT Ham | €526,234 | €449 | 8.5% | - |
| SANI - CV - IMPORT Ghent | €659,861 | -€103,809 | 83.9% | - |
| DELHAYE NEGOCES Honnelles | €652,202 | -€4,917 | 84.5% | - |
| LAURENT SIMONS Antwerp | €496,910 | -€2,010 | 88.5% | - |
| PATUBA Wevelgem | €802,243 | -€41,162 | 86.4% | - |
| ENVIGO INVEST Lier | €455,971 | -€40,652 | 94.5% | - |
These companies have the same main activity as LEMARA: agents in the wholesale of timber and building materials (NACE 46130). They are comparable in size and age: total assets between €456,000 and €802,000, founded between 1989 and 1999.
Official details
Source: KBO- Status
- Active since 19-06-1995Normal situation
- Activity
- Agents in the wholesale of timber and building materialsNACE 46130
- Establishment unit
- 2.072.022.9383560 Lummen, since 19-06-1995
- Financial year end
- 31 December
- Peppol
- Reachable since 23-06-2025
Annual accounts 2025
- €637,717▼ 4.8%
- Filing
- Filed on 06-07-2026, 25 days before the end of the filing period
Insights on LEMARA
LEMARA files the micro format. That format states no turnover. The gross margin fell from €95,453 in 2008 to -€13,382 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LEMARA
- What is the company number of LEMARA?
- The company number of LEMARA is 0455.315.723. The VAT number is the same number with BE in front: BE 0455.315.723.
- Where is LEMARA based?
- The registered office is at Dikke Eikstraat 24, 3560 Lummen.Company details
- What does LEMARA do?
- According to the KBO register, the main activity is agents in the wholesale of timber and building materials (NACE 46130).
- What is the legal form of LEMARA?
- LEMARA is a private limited company (BV).
- When was LEMARA founded?
- LEMARA was founded on 19-06-1995.
- Is LEMARA still active?
- Yes, LEMARA is an active enterprise in the KBO register.
- How many employees does LEMARA have?
- LEMARA had an average of 0.3 full-time equivalents in financial year 2018, according to the filed annual accounts.Financials
- What is the turnover of LEMARA?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.
- Is LEMARA profitable?
- In financial year 2025, LEMARA made a loss of €43,725.
- Where can I find the annual accounts of LEMARA?
- LEMARA filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LEMARA due?
- LEMARA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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