LEMARA
ActiveSummary
LEMARA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €579k and a net result of €-44k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 90% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability10▲+7
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 8.15 against 10.25 in 2024; short-term debt: 9.1% and cash: 50.5% of total assets), and 9.1% of the assets are financed with debt.
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Signals
Five 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% 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 2025Solvency, return and age of the figures
Solvency
90.9%
Return on assets
-6.9%
Age of the figures
9 mo
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 €-44k
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 d early
2024
28 d late
2023
93 d early
2022
41 d early
2021
40 d early
2020
31 d early
2019
25 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€579k▼ 7.0%
2024 · €623k
Total assets
€638k▼ 4.8%
2024 · €670k
Net result
€-44k▲ 47.2%
2024 · €-83k
Working capital
€417k▼ 3.6%
2024 · €432k
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€188k€271k▲ 44.1%€159k▼ 41.3%€-83k€-43k▲ 48.2%
Net result€130k€187k▲ 44.0%€112k▼ 40.4%€-83k€-44k▲ 47.2%
Equity€407k▲ 46.9%€594k▲ 46.0%€706k▲ 18.8%€623k▼ 11.7%€579k▼ 7.0%
Total assets€525k▲ 23.7%€722k▲ 37.7%€781k▲ 8.0%€670k▼ 14.2%€638k▼ 4.8%
Debt€117k▼ 20.1%€128k▲ 9.2%€75k▼ 41.8%€47k▼ 37.4%€58k▲ 24.8%
Working capital€231k▲ 165%€402k▲ 74.2%€487k▲ 21.2%€432k▼ 11.2%€417k▼ 3.6%
Staff (FTE)
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €43k in 2025 against €83k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €638k
Fixed assets
€163k ▼ 14.8%
Current assets
€475k ▼ 0.8%
Equity and liabilities €638k
Equity
€579k ▼ 7.0%
Debt
€58k ▲ 24.8%
Debt's share of the balance-sheet total rises from 7.0% to 9.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-15k▲
2024 · €-54k
Cash flow
€-16k▲
2024 · €-53k
Current ratio
8.15▼
2024 · 10.25
Debt to equity
0.10▲
2024 · 0.07
ROE
-7.5%▲
2024 · -13.3%
ROA
-6.9%▲
2024 · -12.4%
Interest coverage
-27.35▲
2024 · -74.02
Debt ≤ 1 year
€58k▲
2024 · €47k
Income taxes
€141▲
2024 · €128
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €2k | - | - | - | - |
| Remuneration, social security and pensions62 | €332 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €16k | €28k | €29k | €28k | ▼ 3.8% |
| Other operating charges640/8 | €2k | €1k | €2k | €2k | €2k | ▼ 4.8% |
| Gross operating margin9900 | €207k | €288k | €189k | €-52k | €-13k | ▲ 74.4% |
| Operating profit (loss)9901 | €188k | €271k | €159k | €-83k | €-43k | ▲ 48.2% |
| Financial income75/76B | €102 | - | €173 | €1k | €20 | ▼ 98.3% |
| Recurring financial income75 | €102 | - | €173 | €1k | €20 | ▼ 98.3% |
| Financial charges65/66B | €1k | €1k | €1k | €727 | €545 | ▼ 25.0% |
| Recurring financial charges65 | €1k | €1k | €1k | €727 | €545 | ▼ 25.0% |
| Profit (loss) for the period before taxes9903 | €187k | €270k | €158k | €-83k | €-44k | ▲ 47.2% |
| Income taxes67/77 | €57k | €82k | €46k | €128 | €141 | ▲ 10.1% |
| Profit (loss) for the period9904 | €130k | €187k | €112k | €-83k | €-44k | ▲ 47.2% |
| Profit (loss) for the period to be appropriated9905 | €130k | €187k | €112k | €-83k | €-44k | ▲ 47.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €525k | €722k | €781k | €670k | €638k | ▼ 4.8% |
| Fixed assets21/28 | €181k | €192k | €219k | €191k | €163k | ▼ 14.8% |
| Tangible fixed assets22/27 | €181k | €192k | €219k | €191k | €163k | ▼ 14.8% |
| Land and buildings22 | €152k | €146k | €137k | €128k | €119k | ▼ 6.9% |
| Plant, machinery and equipment23 | €4k | €3k | €2k | €1k | €491 | ▼ 61.3% |
| Furniture and vehicles24 | €25k | €43k | €80k | €62k | €43k | ▼ 30.0% |
| Current assets29/58 | €343k | €530k | €562k | €479k | €475k | ▼ 0.8% |
| Amounts receivable within one year40/41 | €4k | €4k | €18k | €16k | €18k | ▲ 9.6% |
| Trade receivables40 | €1k | - | €15k | €14k | €14k | ▲ 2.1% |
| Other amounts receivable41 | €3k | €4k | €4k | €3k | €4k | ▲ 48.9% |
| Current investments50/53 | €3k | €3k | €3k | €303k | €132k | ▼ 56.3% |
| Cash at bank and in hand54/58 | €334k | €519k | €539k | €158k | €322k | ▲ 104% |
| Deferred charges and accrued income490/1 | €2k | €5k | €2k | €2k | €3k | ▲ 23.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €525k | €722k | €781k | €670k | €638k | ▼ 4.8% |
| Equity10/15 | €407k | €594k | €706k | €623k | €579k | ▼ 7.0% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €388k | €576k | €687k | €605k | €561k | ▼ 7.2% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €387k | €574k | €687k | €605k | €561k | ▼ 7.2% |
| Amounts payable17/49 | €117k | €128k | €75k | €47k | €58k | ▲ 24.8% |
| Amounts payable after more than one year17 | €5k | - | - | - | - | - |
| Financial debts170/4 | €5k | - | - | - | - | - |
| Amounts payable within one year42/48 | €112k | €128k | €75k | €47k | €58k | ▲ 24.8% |
| Current portion of amounts payable after more than one year42 | €7k | €15k | €10k | €0 | - | - |
| Trade debts44 | €10k | €6k | €6k | €517 | €927 | ▲ 79.3% |
| Suppliers440/4 | €10k | €6k | €6k | €517 | €927 | ▲ 79.3% |
| Taxes, remuneration and social security45 | €12k | €17k | €6k | €0 | €2k | - |
| Taxes450/3 | €12k | €12k | €1k | €0 | €2k | - |
| Remuneration and social security454/9 | - | €5k | €5k | €0 | - | - |
| Other amounts payable47/48 | €84k | €90k | €53k | €46k | €55k | ▲ 19.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €130k | €187k | €112k | €-83k | €-44k | ▲ 47.2% |
| + Depreciation and write-downs630 | €16k | €16k | €28k | €29k | €28k | ▼ 3.8% |
| Operating cash flow (approximation) | €147k | €203k | €140k | €-53k | €-16k | ▲ 70.9% |
| Investment in fixed assets (approximation) | - | €-27k | €-55k | €-1k | €0 | ▲ 100% |
| Change in cash | - | €185k | €20k | €-381k | €164k | ▲ 143% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-83k
Net result drops to €-83k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €187k ▲44%
Operating result €271k, net result €187k, both a record.
31-12
Financial
Equity above €500kEq €594k ▲46%
2 profitable years in a row build equity to €594k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €130k
Net result €130k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
14-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 226 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
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, Lummen · 1 establishment unit since 1995
Ground area
659 m²
Building footprint
141 m²
Volume, LiDAR
523 m³
Parcel 71037C1552/00Y000, Flanders · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LEMARA BVBA
since 19952.072.022.938
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037C1552/00Y000 | Flanders | 659 m² | 1 · 141 m² | 5.3 m · 1 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.
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Of 1,135 companies in sector 46130 we hold annual accounts for 646. 414 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
Founded19-06-1995
Fiscal year end31-12
Activities, NACEBEL 2025
46130Agents in the wholesale of timber and building materials
Scores and ratios are computed by Checked and are not a credit decision.