LEMBRECHTS DAVE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €376k and a net result of €122k. Equity is growing by ~66.3% per year across the filed fiscal years. Its solvency ranks better than 57% of 5527 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 04-05-2026, 88 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
88 d early
2024
71 d early
2023
33 d early
2022
30 d late
2021
23 d early
2020
25 d late
2019
91 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€376k▲ 32.2%
2024 · €285k
2019: €17k
2020: €30k
2021: €67k
2022: €84k
2023: €114k
2024: €285k
2019 → 2025
Net result
€122k▼ 55.4%
2024 · €273k
2019: €11k
2020: €13k
2021: €37k
2022: €17k
2023: €31k
2024: €273k
2019 → 2025
Total assets
€633k▼ 21.4%
2024 · €806k
2019: €22k
2020: €47k
2021: €180k
2022: €140k
2023: €386k
2024: €806k
2019 → 2025
Solvency
59.4%▲ 24.1pp
2024 · 35.3%
2019: 78.2%
2020: 64.1%
2021: 37.2%
2022: 59.8%
2023: 29.7%
2024: 35.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€84k▲ 25.0%€114k▲ 36.7%€285k▲ 149%€376k▲ 32.2%
Operating result€50k-€22k▼ 55.1%€41k▲ 85.7%€370k▲ 792%€168k▼ 54.6%
Net result€37k-€17k▼ 54.4%€31k▲ 83.7%€273k▲ 787%€122k▼ 55.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €633k
Fixed assets
€304k▼ 5.1%
Current assets
€329k▼ 32.1%
Equity and liabilities €633k
Equity
€376k▲ 32.2%
Debt
€257k▼ 50.6%
The debt ratio falls from 64.7% to 40.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
59.4%▲
2024 · 35.3%
ROE
32.3%▼
2024 · 95.8%
ROA
19.2%▼
2024 · 33.9%
Debt
€257k▼
2024 · €521k
Debt ≤ 1 year
€137k▼
2024 · €366k
Debt > 1 year
€118k▼
2024 · €147k
Income taxes
€35k▼
2024 · €86k
Staff costs
€13k
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€806k€633k▼
Fixed assets21/28€321k€304k▼
Intangible fixed assets21-€8k
Tangible fixed assets22/27€321k€296k▼
Plant, machinery and equipment23€312k€280k▼
Furniture and vehicles24€9k€16k▲
Current assets29/58€485k€329k▼
Amounts receivable after more than one year29€100k€0▼
Other amounts receivable291€100k€0▼
Stocks and contracts in progress3€6k€6k▼
Stocks30/36€6k€6k▼
Amounts receivable within one year40/41€163k€226k▲
Trade receivables40€95k€173k▲
Other amounts receivable41€68k€53k▼
Cash at bank and in hand54/58€201k€62k▼
Deferred charges and accrued income490/1€15k€35k▲
Equity and liabilities
Total equity and liabilities10/49€806k€633k▼
Equity10/15€285k€376k▲
Contributions10/11€19k€19k=
Reserves13€266k€358k▲
Distributable reserves133€266k€358k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€521k€257k▼
Amounts payable after more than one year17€147k€118k▼
Financial debts170/4€147k€118k▼
Amounts payable within one year42/48€366k€137k▼
Current portion of amounts payable after more than one year42€188k€46k▼
Trade debts44€17k€82k▲
Suppliers440/4€17k€82k▲
Taxes, remuneration and social security45€762€5k▲
Taxes450/3€762€4k▲
Remuneration and social security454/9-€375
Other amounts payable47/48€161k€5k▼
Accrued charges and deferred income492/3€7k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€13k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€42k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A-€4k
Gross operating margin9900€397k€229k▼
Operating profit (loss)9901€370k€168k▼
Financial income75/76B€8k€3k▼
Recurring financial income75€8k€3k▼
Financial charges65/66B€19k€15k▼
Recurring financial charges65€19k€15k▼
Profit (loss) for the period before taxes9903€359k€156k▼
Income taxes67/77€86k€35k▼
Profit (loss) for the period9904€273k€122k▼
Profit (loss) for the period to be appropriated9905€273k€122k▼
Appropriation of the result
Profit (loss) to be appropriated9906€273k€122k▼
Transfer from equity791/2€115k€30k▼
Transfer to equity691/2€273k€122k▼
To other reserves6921€273k€122k▼
Profit to be distributed694/7€115k€30k▼
Return on contributions (dividend)694€115k€30k▼
Social balance
Average headcount (FTE)90870.00.2▲
The notes to these accounts (21 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2019net €273k ▲787%
Operating result €370k, net result €273k, both a record.
31-12
Financial
Equity above €200kEq €285k ▲149%
6 profitable years in a row build equity to €285k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €114k ▲36.7%
5 profitable years in a row build equity to €114k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
25-04-2025
Resigned as Director
Location & real-estate footprint
Registered office, Lille · 1 establishment unit since 2018
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.
Gebroeders De Winterstraat 182275 LilleGround area
825 m²
Building footprint
144 m²
Parcel 13047E0283/00W000, Flanders. Linked by address, not a title deed.
1 establishment unit
LEMBRECHTS DAVE
since 20182.285.540.823
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13047E0283/00W000 | Flanders | 825 m² | 1 · 144 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.
Similar companies · same sector, comparable size
IMMACA
BE 0694.581.465
Antwerpen · Eq €376k
HOLDING GRIET GABRIELS
BE 0841.948.023
Malle · Eq €376k
NORISTA
BE 0633.912.618
Brugge · Eq €376k
C.A.N.S. FINANCE
BE 0662.509.406
Menen · Eq €376k
MLV DM CONSULTING
BE 0772.361.411
Sint-Pieters-Leeuw · Eq €377k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,772 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2018
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
64200Holdings
64210Activities of holding companies
16230Manufacture of other builders' carpentry and joinery
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.