LOMBACO
ActiveLOMBACO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
76
/ 100
Excellent▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency22▲+2
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.06 in 2024), and 91.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
8.6%
Return on assets
5%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31527 sector peers (2025).
NBB · sector comparisonPosition among 31527 sector peers
Solvency
better than 16%
← weakest
strongest →
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 27-03-2026, 126 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
126 d early
2024
161 d early
2023
146 d early
2022
31 d late
2021
31 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
€41k▲ 125%
2024 · €18k
2021: €26k
2022: €66k
2023: €100k
2024: €18k
2021 → 2025
Total assets
€476k▲ 191%
2024 · €163k
2021: €73k
2022: €112k
2023: €199k
2024: €163k
2021 → 2025
Net result
€24k▲ 27.3%
2024 · €19k
2021: €18k
2022: €39k
2023: €34k
2024: €19k
2021 → 2025
Working capital
€8k▲ 33.0%
2024 · €6k
2021: €17k
2022: €54k
2023: €86k
2024: €6k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€66k▲ 149%€100k▲ 51.7%€18k▼ 81.8%€41k▲ 125%
Operating result€28k-€53k▲ 87.3%€46k▼ 11.9%€27k▼ 41.5%€35k▲ 28.9%
Net result€18k-€39k▲ 114%€34k▼ 13.5%€19k▼ 45.5%€24k▲ 27.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 29% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €476k
Fixed assets
€429k▲ 650%
Current assets
€47k▼ 55.9%
Equity and liabilities €476k
Equity
€41k▲ 125%
Debt
€435k▲ 200%
The debt ratio rises from 88.9% to 91.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€54k▲
2024 · €45k
Cash flow
€43k▲
2024 · €36k
Solvency
8.6%▼
2024 · 11.1%
Current ratio
1.22▲
2024 · 1.06
Quick ratio
1.22▲
2024 · 1.06
Debt / equity
10.65▲
2024 · 8.02
ROE
57.7%▼
2024 · 102.2%
ROA
5.0%▼
2024 · 11.3%
Interest coverage
24.01▲
2024 · 12.07
Debt
€435k▲
2024 · €145k
Debt ≤ 1 year
€39k▼
2024 · €100k
Debt > 1 year
€397k▲
2024 · €37k
Income taxes
€10k▲
2024 · €7k
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€163k€476k▲
Fixed assets21/28€57k€429k▲
Tangible fixed assets22/27€57k€54k▼
Furniture and vehicles24€56k€39k▼
Other tangible fixed assets26€1k€15k▲
Financial fixed assets28-€375k
Current assets29/58€106k€47k▼
Amounts receivable within one year40/41€12k€15k▲
Trade receivables40€11k€14k▲
Other amounts receivable41€1k€2k▲
Current investments50/53€75k€0▼
Cash at bank and in hand54/58€18k€30k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€163k€476k▲
Equity10/15€18k€41k▲
Contributions10/11€8k€8k=
Reserves13€10k€33k▲
Distributable reserves133€10k€33k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€145k€435k▲
Amounts payable after more than one year17€37k€397k▲
Financial debts170/4€37k€22k▼
Other amounts payable178/9-€375k
Amounts payable within one year42/48€100k€39k▼
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€491€9k▲
Suppliers440/4€491€9k▲
Taxes, remuneration and social security45€17k€6k▼
Taxes450/3€15k€6k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€68k€8k▼
Accrued charges and deferred income492/3€8k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€46k€55k▲
Operating profit (loss)9901€27k€35k▲
Financial income75/76B€2k€689▼
Recurring financial income75€2k€689▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€25k€33k▲
Income taxes67/77€7k€10k▲
Profit (loss) for the period9904€19k€24k▲
Profit (loss) for the period to be appropriated9905€19k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€24k▲
Transfer from equity791/2€85k€0▼
Transfer to equity691/2€4k€23k▲
To other reserves6921€4k€23k▲
Profit to be distributed694/7€100k€833▼
Return on contributions (dividend)694€100k€833▼
The notes to these accounts (11 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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2021net €39k ▲114%
Operating result €53k, net result €39k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Waasmunster · 1 establishment unit since 2020
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.
Fazantenlaan 479250 WaasmunsterGround area
4,755 m²
Building footprint
309 m²
Volume, LiDAR
2,000 m³
Parcel 42023A1063/00P000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOMBACO
since 20202.307.368.692
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023A1063/00P000 | Flanders | 4,755 m² | 1 · 309 m² | 10.6 m · 2 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
SANNE DE MOEY
BE 0789.306.024
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CLARTE CONSULTING
BE 0731.805.315
Vorst · Eq €41k
MARONNE
BE 0477.425.189
Schoten · Eq €41k
ECONSULTA
BE 0677.700.594
Sint-Lambrechts-Woluwe · Eq €41k
ELLAY
BE 0627.786.473
Wemmel · Eq €41k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 36,733 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.