@ LEMOINE.be
ActiveSummary
@ LEMOINE.be has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.0m and a net result of €15,302. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 14462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
What they do
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201NACE 74101Design of textile patterns, clothing, jewellery, furniture and decorative items NACE 74111
2 sites
How big
€1.3mtotal assets 2025
- Equity
- €1.0m
- Profit
- €15,302
Turnover not published (abridged schema)
Who decides
Accounts filed 7 d late0 of 6 deeds read
Why 80- Multiple establishment units- Higher-failure-rate region+ Lower-failure-rate sector+ Long track record+ Annual accounts: healthy financial profileFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-2
Solvency100▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80,000 at 30 days acceptable
Liquidity short (current ratio 0.11 against 0.1 in 2024; short-term debt: 3.7% and cash: 0.1% of total assets), and 21.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
78.3%
Return on assets
1.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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
7 d late
2024
72 d early
2023
14 d late
2022
94 d early
2021
97 d early
2020
31 d early
2019
52 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 46 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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. Usually files around 20 May (4 of the last 5 filed years within 79 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Equity above €1mEq €1.0m ▲65.7%
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €1.3mProfit €15,302Solvency 78.3%Liquidity 0.11
Total assets
€1.3m▲ 38.8%
2018 - 2025
Net result
€15,302▼ 34.6%
2018 - 2025
Equity
€1.0m▲ 65.7%
2018 - 2025
Solvency
78.3%▲ 12.7pp
2018 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€0.01m▼ 64.9%-€0.009m€0.04m€0.04m▼ 4.9%€0.03m▼ 28.3%
Net result€0.004mwithin the sector's middle half▼ 82.3%-€0.01mbelow the sector's middle half€0.04mabove the sector's middle half€0.02mwithin the sector's middle half▼ 36.5%€0.02mwithin the sector's middle half▼ 34.6%
Equity€0.6mabove the sector's middle half▲ 0.7%€0.6mabove the sector's middle half▼ 2.3%€0.6mabove the sector's middle half▲ 6.6%€0.6mabove the sector's middle half▲ 3.9%€1.0mabove the sector's middle half▲ 65.7%
Total assets€1.0mwithin the sector's middle half▼ 4.9%€1.0mwithin the sector's middle half▼ 6.0%€1.0mwithin the sector's middle half▲ 1.9%€0.9mwithin the sector's middle half▼ 5.5%€1.3mabove the sector's middle half▲ 38.8%
Debt€0.5m▼ 11.0%€0.4m▼ 10.5%€0.4m▼ 4.3%€0.3m▼ 19.5%€0.3m▼ 12.6%
Working capital-€0.03mwithin the sector's middle half▲ 45.4%-€0.02mwithin the sector's middle half▲ 31.5%€0.02mwithin the sector's middle half-€0.06mwithin the sector's middle half-€0.04mwithin the sector's middle half▲ 26.9%
Solvency54.9%within the sector's middle half▲ 3.1pp57.0%within the sector's middle half▲ 2.2pp59.7%within the sector's middle half▲ 2.6pp65.6%above the sector's middle half▲ 6.0pp78.3%above the sector's middle half▲ 12.7pp
Current ratio0.47within the sector's middle half▼ 0.030.27below the sector's middle half▼ 0.201.63within the sector's middle half▲ 1.360.10below the sector's middle half▼ 1.520.11below the sector's middle half=
Return on assets (ROA)0.4%within the sector's middle half▼ 1.6pp-1.4%within the sector's middle half▼ 1.7pp3.7%within the sector's middle half▲ 5.0pp2.5%within the sector's middle half▼ 1.2pp1.2%within the sector's middle half▼ 1.3pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€1.3m ▲ 39.2%
Current assets
€5,315 ▼ 23.6%
Equity and liabilities €1.3m
Equity
€1.0m ▲ 65.7%
Debt
€283,295 ▼ 12.6%
Debt's share of the balance-sheet total falls from 34.4% to 21.7%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
EBITDA
€61,593▼
2024 · €69,170
Cash flow
€49,781▼
2024 · €54,740
Debt to equity
0.28▼
2024 · 0.52
ROE
1.5%▼
2024 · 3.8%
Interest coverage
17.01▼
2024 · 17.75
Debt ≤ 1 year
€48,685▼
2024 · €66,270
Debt > 1 year
€234,610▼
2024 · €252,418
Income taxes
€8,331▼
2024 · €10,670
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,732 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €45,184 | €44,938 | €27,236 | €31,359 | €34,479 | ▲ 9.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €10,675 | - | - | - | - |
| Other operating charges640/8 | €1,854 | €2,714 | €4,121 | €5,924 | €4,928 | ▼ 16.8% |
| Non-recurring operating charges66A | €0 | - | €2,502 | - | - | - |
| Gross operating margin9900 | €57,160 | €49,577 | €73,618 | €75,094 | €66,521 | ▼ 11.4% |
| Operating profit (loss)9901 | €10,122 | -€8,751 | €39,759 | €37,811 | €27,115 | ▼ 28.3% |
| Financial income75/76B | €116 | €246 | €138 | €137 | €140 | ▲ 2.5% |
| Recurring financial income75 | €116 | €246 | €138 | €137 | €140 | ▲ 2.5% |
| Financial charges65/66B | €6,175 | €4,556 | €3,078 | €3,897 | €3,622 | ▼ 7.1% |
| Recurring financial charges65 | €6,175 | €4,556 | €3,078 | €3,897 | €3,622 | ▼ 7.1% |
| Profit (loss) for the period before taxes9903 | €4,062 | -€13,060 | €36,820 | €34,051 | €23,633 | ▼ 30.6% |
| Income taxes67/77 | €180 | €192 | €7 | €10,670 | €8,331 | ▼ 21.9% |
| Profit (loss) for the period9904 | €3,883 | -€13,252 | €36,813 | €23,381 | €15,302 | ▼ 34.6% |
| Profit (loss) for the period to be appropriated9905 | €3,883 | -€13,252 | €36,813 | €23,381 | €15,302 | ▼ 34.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.0m | €1.0m | €1.0m | €0.9m | €1.3m | ▲ 38.8% |
| Fixed assets21/28 | €1.0m | €1.0m | €0.9m | €0.9m | €1.3m | ▲ 39.2% |
| Intangible fixed assets21 | €0.009m | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €1.0m | €1.0m | €0.9m | €0.9m | €1.3m | ▲ 39.2% |
| Land and buildings22 | €1.0m | €1.0m | €0.9m | €0.9m | €1.3m | ▲ 40.1% |
| Furniture and vehicles24 | €0.02m | €0.01m | €0.002m | €0.01m | €0.009m | ▼ 26.1% |
| Financial fixed assets28 | €0 | - | - | - | - | - |
| Current assets29/58 | €0.02m | €0.007m | €0.05m | €0.007m | €0.005m | ▼ 23.6% |
| Stocks and contracts in progress3 | €0.02m | €0 | - | - | - | - |
| Stocks30/36 | €0.02m | €0 | - | - | - | - |
| Amounts receivable within one year40/41 | €0.006m | €0.005m | €0.05m | €0.005m | €0.004m | ▼ 23.0% |
| Trade receivables40 | €0.005m | €0.002m | €0.05m | €0.005m | €0.004m | ▼ 16.6% |
| Other amounts receivable41 | €0.001m | €0.003m | €0.007m | €400 | - | - |
| Cash at bank and in hand54/58 | €0.001m | €0.002m | €52 | €0.001m | €0.001m | ▼ 20.1% |
| Deferred charges and accrued income490/1 | - | - | €464 | €0.001m | €344 | ▼ 37.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.0m | €1.0m | €1.0m | €0.9m | €1.3m | ▲ 38.8% |
| Equity10/15 | €0.6m | €0.6m | €0.6m | €0.6m | €1.0m | ▲ 65.7% |
| Contributions10/11 | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Revaluation surpluses12 | €0.6m | €0.6m | €0.6m | €0.6m | €1.0m | ▲ 67.3% |
| Reserves13 | €0.001m | €0.001m | €0.001m | €0.01m | €0.02m | ▲ 92.3% |
| Non-distributable reserves130/1 | €0.001m | €0.001m | €0.001m | €0.001m | €0.001m | = |
| Financial assistance1313 | €0.001m | €0.001m | €0.001m | €0.001m | €0.001m | = |
| Distributable reserves133 | - | - | - | €0.01m | €0.02m | ▲ 100% |
| Profit (loss) carried forward14 | -€0.03m | -€0.05m | -€0.01m | €0.002m | €0.006m | ▲ 186% |
| Amounts payable17/49 | €0.5m | €0.4m | €0.4m | €0.3m | €0.3m | ▼ 12.6% |
| Amounts payable after more than one year17 | €0.4m | €0.4m | €0.4m | €0.3m | €0.2m | ▼ 7.1% |
| Financial debts170/4 | €0.1m | €0.08m | €0.08m | €0.06m | €0.05m | ▼ 13.1% |
| Other amounts payable178/9 | €0.3m | €0.3m | €0.3m | €0.2m | €0.2m | ▼ 5.3% |
| Amounts payable within one year42/48 | €0.05m | €0.03m | €0.03m | €0.07m | €0.05m | ▼ 26.5% |
| Current portion of amounts payable after more than one year42 | €0.03m | €0.02m | €0.03m | €0.03m | €0.03m | ▲ 12.6% |
| Financial debts43 | - | - | €0.001m | - | - | - |
| Credit institutions430/8 | - | - | €0.001m | - | - | - |
| Trade debts44 | €0.005m | €0.002m | €0.001m | €0.03m | €0.003m | ▼ 88.5% |
| Suppliers440/4 | €0.005m | €0.002m | €0.001m | €0.03m | €0.003m | ▼ 88.5% |
| Taxes, remuneration and social security45 | €316 | €0.001m | €199 | €0.01m | €0.005m | ▼ 53.1% |
| Taxes450/3 | €316 | €0.001m | €199 | €0.01m | €0.005m | ▼ 53.1% |
| Other amounts payable47/48 | €0.02m | €0.007m | €0.003m | - | €0.008m | - |
| Accrued charges and deferred income492/3 | - | - | - | €0.005m | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,883 | -€13,252 | €36,813 | €23,381 | €15,302 | ▼ 34.6% |
| + Depreciation and write-downs630 | €45,184 | €44,938 | €27,236 | €31,359 | €34,479 | ▲ 9.9% |
| Operating cash flow (approximation) | €49,067 | €31,686 | €64,049 | €54,740 | €49,781 | ▼ 9.1% |
| Investment in fixed assets (approximation) | - | €0 | €814 | -€23,061 | -€401,601 | ▼ 1,642% |
| Change in cash | - | €789 | -€2,164 | €1,163 | -€244 | ▼ 121% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
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GG REAL INVEST
BE 0690.742.443
Kontich · Eq €1,024,654
IMMOBILIERE ROBIN
BE 0400.583.868
Ukkel · Eq €1,025,678
DNL MANAGEMENT
BE 0738.379.638
Waterloo · Eq €1,024,326
WENS
BE 0420.652.772
Lille · Eq €1,025,817
Of 9,150 companies in this sector we hold annual accounts for 6,780. 4,833 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
14 eventsLatest 07-08-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
31-12
Financial
Equity above €1mEq €1.0m ▲65.7%
3 profitable years in a row build equity to €1.0m.
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Back to profitnet €36,813
Net result €36,813 after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 1.63
Current ratio from 0.27 to 1.63.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€13,252
Net result drops to -€13,252, the lowest in the series; recovery starts the following year.
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company · founded 29-11-1988Year ends 31-12Peppol reachable2 sites
Register details
Identification
Legal formPrivate limited company
Founded29-11-1988
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
47120Other non-specialised retail sale
47400Retail sale of information and communication equipment
47551Retail sale of household furniture
Contact
E-mail
domotique@lemoine.be
Phone
081/249.249
Fax
081/249.240
Phone
+32497407501Namur
E-invoicing
Reachable via Peppol
Peppol ID
0208:0436033113
Also
9925:BE0436033113
Registered
16-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Namur · 2 establishment units since 1988
Ground area
701 m²
Building footprint
319 m²
Volume, LiDAR
2,899 m³
2 parcels, Wallonia · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Rue Saint-Jean 5, 5000 Namur
since 1988unit no. 2.214.175.547
BUREAUTIQUE @ LEMOINE.be
since 2013unit no. 2.214.177.527
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92067B0902/00C000 | Wallonia | 615 m² | 1 · 269 m² | 15.7 m · 4 fl. |
| 92094C0980/00A000 | Wallonia | 87 m² | 1 · 50 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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