Equity
€644,351 ▲ 2.3%
Etablissements Christian LOMBET paid out €400,000 in dividends. That is 97% of the 2025 profit.
Etablissements Christian LOMBET
Lifetime
20 annual accounts with figures on one time axis, 35 filings since 1991peak €1.7m (2024)
€1.7m▼ 1.6%
lowest -€117,683 (2010)
€414,300▼ 1.3%
peak €644,351 (2025)
€644,351▲ 2.3%
€1.3m▲ 12.8%
peak 20.9 FTE (2006)
13.6 FTE▲ 9.7%
Board5 names since 2018
1 directorTHIVAC
Owners
100%THIVAC
Documentsfilings and deeds
31-08-202631 days late
2025financial year
Staff from 12.4 FTE to 13.6 FTEDividend €400,000Investments €243,029
Key points
from the 2025 annual accountsTurnover
≈ €4.7m estimated
The accounts state no turnover.
Investments
€240,229 4.5 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 77.2% higher than in 2024.
Staff
13.6 FTE from 20.9 in 2006
Between 2006 and 2025, 35% of the full-time equivalents disappeared.
Filings
35 annual accounts 36 filings since 1991
Six of the last ten came late. The 2021 accounts came latest: 31 days after the end of the period.
Position in the sector
€414,300
Higher net result than 82% of companies in specialised construction. Sector median €42,638 · 2,467 companies.
Checked score
90
Excellent
Financially stronger than 57% of small companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.3% across 2,647 companies (NACE 43, small).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025
09-2025: 0.1%▼ -0.1 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.2 percentage points vs 07-2026highest value
09-2026: 0.2%▼ -0.1 percentage points vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Specialised construction activities (NACE 43)
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Founded in 1990
Liquidity: current ratio 1.10, cash €433,966
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, small). It does better than 42% of them on solvency, 51% on liquidity, 93% on profitability and 40% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 20,137 companies had the same profile as Etablissements Christian LOMBET has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of Etablissements Christian LOMBET itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 20,137 companies, not a prediction for Etablissements Christian LOMBET. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €55,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.1 (1.3 in 2024), below the usual 1.5. Short-term debt is 60.7% and cash 22% of total assets. 67.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
19 days late
2023
22 days early
2022
19 days early
2021
31 days late
2020
23 days late
2019
38 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 4 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% 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 19 August (4 of the last 5 accounts filed within 38 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0441953081
1 director appointed, 4 resignations
Resignations: Christian LOMBET, Frédérique LOMBET, Thibaut LOMBET and Tanguy LOMBET · Appointment: THIVAC (sole director) · Permanent representative: Thibaut LOMBET · Gazette deed
Resignations & appointments
Director in office: Christian LOMBET (managing director) · General meeting of 23-06-2021 · Gazette deed
1 director appointed, 4 reappointments
Reappointments: LOMBET Christian, LOMBET Thibaut, LOMBET Frédérique and LOMBET Tanguy · Appointment: LOMBET Christian (managing director) · General meeting of 08-07-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Etablissements Christian LOMBET Namur | €2.0m | €1.7m | 32.7% | 13.6 |
| Pierre Ronveaux Andenne | €1.8m | €1.1m | 73.6% | 11.9 |
| HAQUENNE Ciney | €2.0m | €1.6m | 60.7% | 21 |
| EURODYNAMICS Nivelles | €1.6m | €1.6m | 7.7% | 11.9 |
| WILLEMSEN ANDRE Arendonk | €2.2m | €1.7m | 44.5% | 17.9 |
| WARCO Waregem | €1.8m | €1.1m | 44.0% | 14.1 |
| ROGER GOEMINNE Kruisem | €1.9m | €1.6m | 75.1% | 20.2 |
These companies have the same main activity as Etablissements Christian LOMBET: plumbing work (NACE 43221). They are comparable in size and age: total assets between €1.6m and €2.2m, founded between 1983 and 1993.
Official details
Source: KBO- Status
- Active since 13-11-1990Normal situation
- Activity
- Plumbing workNACE 43221and 1 other
- Joint committees
- 200Auxiliary committee for white-collar workers
- 124Construction · annual accounts 2025
- Establishment unit
- 2.050.462.3135100 Namur, since 30-11-1990
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Insights on Etablissements Christian LOMBET
Etablissements Christian LOMBET has existed since 1990. The gross margin grew from €941,528 in 2006 to €1.7m in 2025, while staff fell from 20.9 to 13.6 full-time equivalents.
THIVAC holds all the shares. In December 2023, four directors stepped down.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Etablissements Christian LOMBET
- What is the company number of Etablissements Christian LOMBET?
- The company number of Etablissements Christian LOMBET is 0441.953.081. The VAT number is the same number with BE in front: BE 0441.953.081.
- Where is Etablissements Christian LOMBET based?
- The registered office is at Rue des Gerboises 4, 5100 Namur.Company details
- What does Etablissements Christian LOMBET do?
- According to the KBO register, the main activity is plumbing work (NACE 43221).
- What is the legal form of Etablissements Christian LOMBET?
- Etablissements Christian LOMBET is a public limited company (NV).
- When was Etablissements Christian LOMBET founded?
- Etablissements Christian LOMBET was founded on 13-11-1990.
- Is Etablissements Christian LOMBET still active?
- Yes, Etablissements Christian LOMBET is an active enterprise in the KBO register.
- How many employees does Etablissements Christian LOMBET have?
- Etablissements Christian LOMBET had an average of 13.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Etablissements Christian LOMBET fall under?
- In its 2025 annual accounts, Etablissements Christian LOMBET states joint committees 200 (Auxiliary committee for white-collar workers) and 124 (Construction).
- What is the turnover of Etablissements Christian LOMBET?
- The turnover in financial year 2025 is ≈ €4.7m. This figure is estimated from the gross margin of €1.7m and 30 comparable companies (NACE 432). It probably lies between €3.9m and €5.8m.
- Is Etablissements Christian LOMBET profitable?
- In financial year 2025, Etablissements Christian LOMBET made a profit of €414,300.
- Where can I find the annual accounts of Etablissements Christian LOMBET?
- Etablissements Christian LOMBET filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Etablissements Christian LOMBET due?
- Etablissements Christian LOMBET 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 See whether the workforce is growing and whether people stay.Employer check Check whether you can trust this company with building work.Contractor check 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
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