LEMEY TOM
ActiveLEMEY TOM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €328k and a net result of €73k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 74% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.86 against 3.25 in 2024), and 30.3% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
69.7%
Return on assets
15.6%
Age of the figures
8 mo
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 · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €328k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
21 d late
2023
29 d late
2022
2 d late
2021
23 d late
2020
27 d late
2019
21 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€328k▲ 28.9%
2024 · €254k
2018: €253k
2019: €212k
2020: €164k
2021: €115k
2022: €115k
2023: €143k
2024: €254k
2018 → 2025
Total assets
€470k▲ 13.9%
2024 · €413k
2018: €469k
2019: €535k
2020: €398k
2021: €398k
2022: €303k
2023: €367k
2024: €413k
2018 → 2025
Net result
€73k▼ 35.2%
2024 · €113k
2018: €77k
2019: €59k
2020: €37k
2021: €840
2022: €30k
2023: €78k
2024: €113k
2018 → 2025
Working capital
€274k▲ 36.1%
2024 · €201k
2018: €231k
2019: €187k
2020: €146k
2021: €94k
2022: €88k
2023: €106k
2024: €201k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€115k▲ 0.1%€143k▲ 24.4%€254k▲ 78.2%€328k▲ 28.9%
Operating result€11k-€48k▲ 346%€115k▲ 142%€152k▲ 32.3%€97k▼ 35.9%
Net result€840-€30k▲ 3,485%€78k▲ 159%€113k▲ 45.3%€73k▼ 35.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €470k
Fixed assets
€126k▲ 2.6%
Current assets
€344k▲ 18.6%
Equity and liabilities €470k
Equity
€328k▲ 28.9%
Debt
€142k▼ 10.3%
The debt ratio falls from 38.4% to 30.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€124k▼
2024 · €171k
Cash flow
€100k▼
2024 · €132k
Solvency
69.7%▲
2024 · 61.6%
Current ratio
4.86▲
2024 · 3.25
Quick ratio
3.45▲
2024 · 2.13
Debt / equity
0.43▼
2024 · 0.62
ROE
22.4%▼
2024 · 44.5%
ROA
15.6%▼
2024 · 27.5%
Interest coverage
12.34▼
2024 · 18.81
Debt
€142k▼
2024 · €158k
Debt ≤ 1 year
€71k▼
2024 · €89k
Debt > 1 year
€71k▲
2024 · €69k
Income taxes
€20k▼
2024 · €30k
Staff costs
€43k
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€413k€470k▲
Fixed assets21/28€122k€126k▲
Tangible fixed assets22/27€122k€126k▲
Land and buildings22€61k€55k▼
Plant, machinery and equipment23€10k€27k▲
Furniture and vehicles24€51k€44k▼
Current assets29/58€290k€344k▲
Stocks and contracts in progress3€100k€100k▲
Stocks30/36€100k€100k▲
Amounts receivable within one year40/41€42k€75k▲
Trade receivables40€41k€66k▲
Other amounts receivable41€362€9k▲
Cash at bank and in hand54/58€149k€166k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€413k€470k▲
Equity10/15€254k€328k▲
Contributions10/11€19k€19k=
Reserves13€232k€307k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€230k€305k▲
Profit (loss) carried forward14€4k€2k▼
Amounts payable17/49€158k€142k▼
Amounts payable after more than one year17€69k€71k▲
Financial debts170/4€69k€71k▲
Amounts payable within one year42/48€89k€71k▼
Current portion of amounts payable after more than one year42€22k€27k▲
Trade debts44€52k€38k▼
Suppliers440/4€52k€38k▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€3k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€11k-
Income statement
Code20242025
Remuneration, social security and pensions62-€43k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€27k▲
Other operating charges640/8€3k€9k▲
Gross operating margin9900€174k€176k▲
Operating profit (loss)9901€152k€97k▼
Financial income75/76B€722€6k▲
Recurring financial income75€722€6k▲
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€144k€93k▼
Income taxes67/77€30k€20k▼
Profit (loss) for the period9904€113k€73k▼
Profit (loss) for the period to be appropriated9905€113k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€116k€77k▼
Profit (loss) brought forward from the previous period14P€2k€4k▲
Transfer to equity691/2€110k€75k▼
To other reserves6921€110k€75k▼
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Highest result since 2018net €113k ▲45.3%
Operating result €152k, net result €113k, both a record.
31-12
Financial
Equity above €200kEq €254k ▲78.2%
7 profitable years in a row build equity to €254k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Weakest financial yearnet €840 ▼97.7%
Net result drops to €840, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Dentergem · 1 establishment unit since 2014
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.
Meulebekestraat(Den) 68720 DentergemGround area
1,075 m²
Building footprint
243 m²
Volume, LiDAR
1,849 m³
Parcel 37002D0475/00K000, Flanders · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Lemey Tom BVBA
since 20142.227.436.833
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37002D0475/00K000 | Flanders | 1,075 m² | 1 · 243 m² | 9.2 m · 3 fl. |
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
H.I.S.S.
BE 0452.332.972
Kapellen · Eq €328k
OMHEININGEN DEPREZ
BE 0837.564.910
Zonnebeke · Eq €327k
VERMO CARPORTS
BE 0849.710.201
Menen · Eq €325k
COBAT CONSTRUCTIONS
BE 0428.188.187
Neufchâteau · Eq €324k
Boveco
BE 0405.391.704
Deerlijk · Eq €324k
Of 7,248 companies in sector 43350 we hold annual accounts for 2,333. 1,540 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-02-2014
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43910Bricklaying and masonry work
43994Specialised construction activities
46496Wholesale trade
47639Retail sale of other sporting goods
47640Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:051/63.64.82