Lendemo
ActiveSummary
The computed 12-month bankruptcy probability of Lendemo is 3.3% (moderate). The 2025 annual accounts show equity of €11k and a net result of €9k. Its solvency ranks better than 61% of 13305 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+99
Solvency68▲+26
Growth78
Track record82
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.29 against 1.21 in 2024; short-term debt: 43.7% and cash: 55.2% of total assets), but 56.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
43.4%
Return on assets
36.8%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
2 d early
2024
5 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▲ 557%
2024 · €2k
2024: €2k
2024 → 2025
Total assets
€25k▲ 163%
2024 · €9k
2024: €9k
2024 → 2025
Net result
€9k
2024 · €-1k
2024: €-1k
2024 → 2025
Working capital
€14k▲ 752%
2024 · €2k
2024: €2k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€2k-€11k▲ 557%
Operating result€-1k-€12k
Net result€-1k-€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €25k
Equity
€11k ▲ 557%
Debt
€14k ▲ 80.5%
Debt's share of the balance-sheet total falls from 82.6% to 56.6%. Equity and debt are higher.
Key figures and ratios
Current ratio
2.29▲
2024 · 1.21
Quick ratio
2.02▲
2024 · 0.91
Debt to equity
1.30▼
2024 · 4.74
ROE
84.8%▲
2024 · -83.9%
ROA
36.8%▲
2024 · -14.6%
Debt ≤ 1 year
€11k▲
2024 · €8k
Income taxes
€3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€9k€25k▲
Current assets29/58€9k€25k▲
Stocks and contracts in progress3€2k€3k▲
Stocks30/36€2k€3k▲
Amounts receivable within one year40/41€63€8k▲
Trade receivables40-€3k
Other amounts receivable41€63€6k▲
Cash at bank and in hand54/58€7k€14k▲
Equity and liabilities
Total equity and liabilities10/49€9k€25k▲
Equity10/15€2k€11k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-1k€8k▲
Amounts payable17/49€8k€14k▲
Amounts payable within one year42/48€8k€11k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9€2k€2k=
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Other operating charges640/8€387€2k▲
Gross operating margin9900€-969€14k▲
Operating profit (loss)9901€-1k€12k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€13€227▲
Recurring financial charges65€13€227▲
Profit (loss) for the period before taxes9903€-1k€12k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€-1k€9k▲
Profit (loss) for the period to be appropriated9905€-1k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€8k▲
Profit (loss) brought forward from the previous period14P-€-1k
The notes to these accounts (12 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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.
Have them read with priority
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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, Zottegem · 2 establishment units since 2024
Ground area
368 m²
Building footprint
196 m²
Volume, LiDAR
1,291 m³
2 parcels, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Lendemo
since 20242.366.019.347
Lendemo
since 20242.366.019.446
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41081A0749/00B002 | Flanders | 296 m² | 1 · 127 m² | 11.9 m · 2 fl. |
| 41081A0583/00C000 | Flanders | 72 m² | 1 · 68 m² | 9.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
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DAMKINA
BE 0723.428.077
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MATNAT&CO
BE 0788.210.320
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CONEXION
BE 0704.679.165
Schaarbeek · Eq €10,740
Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 3,555 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
46190Agents in non-specialised wholesale trade
56210Event catering
70200Business and other management consultancy
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.