Summary
LOMMOL 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 €161,309 and a net result of €610,348. Its solvency ranks better than 12% of 1505 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 1505 sector peers (2025).
NBB · sector comparisonPosition among 1505 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
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. 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
13 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 9 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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.
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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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 Is the workforce growing, and do people stay?Employer check 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 What other support did companies like this one receive, and it did not?Subsidies
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#4 employer in Limburg, Auxiliary financial services sector#9 company by total assets in Lommel, Finance and insurance sector
Equity
€161,309▲ 59.8%
2024 · €100,961
Net result
€610,348▼ 27.2%
2024 · €837,961
Total assets
€3.8m▼ 6.0%
2024 · €4.0m
Solvency
4.3%▲ 1.8pp
2024 · 2.5%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
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 66, Activities auxiliary to financial services and insurance 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), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€863,662-€768,391▼ 11.0%
Net result€837,961above the sector's middle half-€610,348above the sector's middle half▼ 27.2%
Equity€100,961below the sector's middle half-€161,309within the sector's middle half▲ 59.8%
Total assets€4.0mabove the sector's middle half-€3.8mabove the sector's middle half▼ 6.0%
Debt€3.9m-€3.6m▼ 7.7%
Working capital-€725,346below the sector's middle half--€596,570below the sector's middle half▲ 17.8%
Solvency2.5%below the sector's middle half-4.3%below the sector's middle half▲ 1.8pp
Current ratio0.54below the sector's middle half-0.62below the sector's middle half▲ 0.08
Return on assets (ROA)21.0%above the sector's middle half-16.3%within the sector's middle half▼ 4.7pp
Staff (FTE)14.5above the sector's middle half-14.7above the sector's middle half▲ 1.4%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.8m
Fixed assets
€2.8m ▼ 11.1%
Current assets
€968,151 ▲ 12.6%
Equity and liabilities €3.8m
Equity
€161,309 ▲ 59.8%
Debt
€3.6m ▼ 7.7%
Debt's share of the balance-sheet total falls from 97.5% to 95.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
378.4%▼
2024 · 830.0%
Debt ≤ 1 year
€1.6m▼
2024 · €1.6m
Debt > 1 year
€2.0m▼
2024 · €2.3m
Income taxes
€44,434▼
2024 · €50,012
Staff costs
€1.2m▼
2024 · €1.7m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €1.7m | €1.2m | ▼ 30.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €555,719 | €385,733 | ▼ 30.6% |
| Other operating charges640/8 | €5,606 | €5,507 | ▼ 1.8% |
| Non-recurring operating charges66A | - | €750 | - |
| Gross operating margin9900 | €3.1m | €2.3m | ▼ 24.9% |
| Operating profit (loss)9901 | €863,662 | €768,391 | ▼ 11.0% |
| Financial income75/76B | €200,258 | €85 | ▼ 100.0% |
| Recurring financial income75 | €200,258 | €85 | ▼ 100.0% |
| Financial charges65/66B | €175,948 | €113,694 | ▼ 35.4% |
| Recurring financial charges65 | €175,948 | €113,694 | ▼ 35.4% |
| Profit (loss) for the period before taxes9903 | €887,972 | €654,782 | ▼ 26.3% |
| Income taxes67/77 | €50,012 | €44,434 | ▼ 11.2% |
| Profit (loss) for the period9904 | €837,961 | €610,348 | ▼ 27.2% |
| Profit (loss) for the period to be appropriated9905 | €837,961 | €610,348 | ▼ 27.2% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €4.0m | €3.8m | ▼ 6.0% |
| Fixed assets21/28 | €3.1m | €2.8m | ▼ 11.1% |
| Intangible fixed assets21 | €3.0m | €2.6m | ▼ 11.8% |
| Tangible fixed assets22/27 | €133,209 | €137,153 | ▲ 3.0% |
| Land and buildings22 | €14,930 | €14,530 | ▼ 2.7% |
| Plant, machinery and equipment23 | €8,210 | €3,373 | ▼ 58.9% |
| Furniture and vehicles24 | €105,283 | €89,406 | ▼ 15.1% |
| Other tangible fixed assets26 | €4,786 | €29,845 | ▲ 524% |
| Current assets29/58 | €859,762 | €968,151 | ▲ 12.6% |
| Amounts receivable within one year40/41 | €111 | €3,391 | ▲ 2,967% |
| Trade receivables40 | €111 | €3,391 | ▲ 2,967% |
| Cash at bank and in hand54/58 | - | €1,297 | - |
| Deferred charges and accrued income490/1 | €859,651 | €963,463 | ▲ 12.1% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €4.0m | €3.8m | ▼ 6.0% |
| Equity10/15 | €100,961 | €161,309 | ▲ 59.8% |
| Contributions10/11 | €20,000 | €20,000 | = |
| Reserves13 | €80,961 | €141,309 | ▲ 74.5% |
| Distributable reserves133 | €80,961 | €141,309 | ▲ 74.5% |
| Profit (loss) carried forward14 | €0 | €0 | - |
| Amounts payable17/49 | €3.9m | €3.6m | ▼ 7.7% |
| Amounts payable after more than one year17 | €2.3m | €2.0m | ▼ 12.2% |
| Financial debts170/4 | €2.3m | €2.0m | ▼ 12.2% |
| Amounts payable within one year42/48 | €1.6m | €1.6m | ▼ 1.3% |
| Current portion of amounts payable after more than one year42 | €270,392 | €280,680 | ▲ 3.8% |
| Financial debts43 | €377,321 | €543,068 | ▲ 43.9% |
| Credit institutions430/8 | €377,321 | €543,068 | ▲ 43.9% |
| Trade debts44 | €13,516 | €28,848 | ▲ 113% |
| Suppliers440/4 | €13,516 | €28,848 | ▲ 113% |
| Taxes, remuneration and social security45 | €166,811 | €161,539 | ▼ 3.2% |
| Taxes450/3 | €50,037 | €44,417 | ▼ 11.2% |
| Remuneration and social security454/9 | €116,775 | €117,122 | ▲ 0.3% |
| Other amounts payable47/48 | €757,068 | €550,586 | ▼ 27.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €837,961 | €610,348 | ▼ 27.2% |
| + Depreciation and write-downs630 | €555,719 | €385,733 | ▼ 30.6% |
| Operating cash flow (approximation) | €1.4m | €996,081 | ▼ 28.5% |
| Investment in fixed assets (approximation) | - | -€36,625 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €150,000Eq €161,309 ▲59.8%
2 profitable years in a row build equity to €161,309.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated 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.
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Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Lommel · 1 establishment unit since 2023
Ground area
935 m²
Building footprint
552 m²
Parcel 72020C0781/00C004, Flanders. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
LOMMOL
since 20232.343.396.769
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0781/00C004 | Flanders | 935 m² | 1 · 552 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
4 ownersOwners 4
- Sourceaccounts CLAP 202528.33%
- Sourceaccounts JEHU 202528.33%
-
28.33%
-
15.01%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 2,361 EUR awarded · 2,361 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 923 EUR | 923 EUR |
| 2023 | 1 | 1,438 EUR | 1,438 EUR |
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Of 4,671 companies in this sector we hold annual accounts for 3,221. 2,823 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded16-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0799602078
Registered
11-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.