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LERMADO

Active Risk: not assessed
Private limited companyfounded 2014active for 12 yearsMarkt 9A, 2470 Retie, BelgiumKBO/BCE: BE 0564.902.858
Summary

LERMADO 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 €259,561 and a net result of €104,656. Equity has been growing by about 44% per year since 2018. Its solvency ranks better than 82% of 3,064 sector peers (NACE 66, financial year 2025). The company has been active since 2014 and the Belgian Official Gazette contains no insolvency or warning signals.

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LERMADOActive
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Overview

Official details

Source: KBO
Status
Active since 21-10-2014 Normal situation
Activity
Insurance agents and brokers NACE 66220and 1 other
Establishment unit
2.236.165.447 2470 Retie, since 21-10-2014
Financial year end
31 December
Peppol
Reachable since 10-10-2025
Company details

Board and ownership

Board
Shareholders
  • MEYNEN Maartendeed of 28-04-2023
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€104,656
▲ 4.9%
Equity
€259,561
▲ 26.7%
Total assets
€313,438
▲ 20.7%
Staff
≈ 0.1 FTE
estimated
Financials
SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

1 signal.
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 05-02-2026, 176 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
176 days early
2024
142 days early
2023
153 days early
2022
164 days early
2021
125 days early
2020
136 days early
2019
135 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 147 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 March (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 82% of companies in auxiliary financial servicessector median 50.1% · 3,064 companies 82.8% View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €104,656 8 years View
  • Positive: Equity rose in 2025from €204,905 to €259,561 ▲ 26.7% View

Recent changes

  1. · Gazette deed Change of role: MEYNEN Maarten, from sole manager to director“De bemiddeling in bankdiensten,beleggingsdiensten en kredieten in hoedanigheid van bankagent,alsmede alle…” (deed in Dutch) · Legal-form conversion: from private limited company (pre-2019) to private limited company · Director discharge: MEYNEN Maarten
  2. · Gazette deed Incorporation
All 18 events

Comparable companies

These companies have the same main activity as LERMADO: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €259,000 and €346,000, founded between 2010 and 2016.

CompanyTotal assetsGross margin
LERMADO Retie€313,438€134,860
CAULIER-ASSUR Jurbise€325,012€117,959
K.L. Insurance Consulting Vilvoorde€304,206€143,969
SAROLEA-DECELLE ASSURANCES Liège€291,847€114,568
Finance & Insurance Center ANM Mortsel€329,812€114,244
Verzekeringen Staelens Kapellen€345,942€179,476
KREDO-ASSUR Mechelen€258,629€152,082
Full comparison

Key facts about LERMADO
What is the company number of LERMADO?
The company number of LERMADO is 0564.902.858. The VAT number is the same number with BE in front: BE 0564.902.858.
Where is LERMADO based?
The registered office is at Markt 9A, 2470 Retie.Company details
What does LERMADO do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of LERMADO?
LERMADO is a private limited company (BV).
When was LERMADO founded?
LERMADO was founded on 21-10-2014.
Is LERMADO still active?
Yes, LERMADO is an active enterprise in the KBO register.
What is the turnover of LERMADO?
The turnover in financial year 2025 is ≈ €260,000. This figure is estimated from the gross margin of €134,860 and 31 comparable companies (NACE 66220). It probably lies between €210,000 and €340,000.Financials
Is LERMADO profitable?
In financial year 2025, LERMADO made a profit of €104,656.
Where can I find the annual accounts of LERMADO?
LERMADO filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of LERMADO due?
LERMADO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See this company's board, registered office and name on a given date.Company as of a date

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