Lyma
ActiveSummary
The computed 12-month bankruptcy probability of Lyma is 1.6% (moderate). The 2025 annual accounts show equity of €21,765 and a net result of €2,618. Equity is growing by ~36.4% per year across the filed fiscal years. Its solvency ranks better than 74% of 11472 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
Score 2025
Axes · tick = 2024
Profitability80▼-20
Solvency97=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 2.8 against 3.61 in 2024; short-term debt: 27.8% and cash: 7.3% of total assets), and 27.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
72.2%
Return on assets
8.7%
Age of the figures
9 mo
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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
3 d early
2023
5 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€21,765▲ 13.7%
2024 · €19,147
Total assets
€30,149▲ 13.9%
2024 · €26,473
Net result
€2,618▼ 76.8%
2024 · €11,305
Working capital
€15,115▼ 21.1%
2024 · €19,147
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€4,861-€14,197▲ 192%€3,281▼ 76.9%
Net result€3,841-€11,305▲ 194%€2,618▼ 76.8%
Equity€7,841-€19,147▲ 144%€21,765▲ 13.7%
Total assets€19,972-€26,473▲ 32.6%€30,149▲ 13.9%
Debt€12,131-€7,326▼ 39.6%€8,384▲ 14.4%
Working capital€7,841-€19,147▲ 144%€15,115▼ 21.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 77% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30,149
Fixed assets
€6,650
Current assets
€23,499
Equity and liabilities €30,149
Equity
€21,765 ▲ 13.7%
Debt
€8,384 ▲ 14.4%
Debt's share of the balance-sheet total rises from 27.7% to 27.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5,722▼
2024 · €14,197
Cash flow
€5,059▼
2024 · €11,305
Current ratio
2.80▼
2024 · 3.61
Debt to equity
0.39▲
2024 · 0.38
ROE
12.0%▼
2024 · 59.0%
ROA
8.7%▼
2024 · 42.7%
Interest coverage
21.23▼
2024 · 89.91
Debt ≤ 1 year
€8,384▲
2024 · €7,326
Income taxes
€679▼
2024 · €2,994
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €896 | €0 | €2,441 | - |
| Other operating charges640/8 | €106 | €1,116 | €1,040 | ▼ 6.8% |
| Gross operating margin9900 | €5,863 | €15,314 | €6,762 | ▼ 55.8% |
| Operating profit (loss)9901 | €4,861 | €14,197 | €3,281 | ▼ 76.9% |
| Financial income75/76B | €0 | €260 | €285 | ▲ 9.7% |
| Recurring financial income75 | €0 | €260 | €285 | ▲ 9.7% |
| Financial charges65/66B | €34 | €158 | €269 | ▲ 70.7% |
| Recurring financial charges65 | €34 | €158 | €269 | ▲ 70.7% |
| Profit (loss) for the period before taxes9903 | €4,828 | €14,300 | €3,297 | ▼ 76.9% |
| Income taxes67/77 | €987 | €2,994 | €679 | ▼ 77.3% |
| Profit (loss) for the period9904 | €3,841 | €11,305 | €2,618 | ▼ 76.8% |
| Profit (loss) for the period to be appropriated9905 | €3,841 | €11,305 | €2,618 | ▼ 76.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €19,972 | €26,473 | €30,149 | ▲ 13.9% |
| Fixed assets21/28 | - | - | €6,650 | - |
| Tangible fixed assets22/27 | - | - | €6,650 | - |
| Furniture and vehicles24 | - | - | €6,650 | - |
| Current assets29/58 | €19,972 | €26,473 | €23,499 | ▼ 11.2% |
| Amounts receivable within one year40/41 | €6,260 | €13,986 | €21,009 | ▲ 50.2% |
| Trade receivables40 | €1,350 | €8,900 | €13,928 | ▲ 56.5% |
| Other amounts receivable41 | €4,910 | €5,086 | €7,082 | ▲ 39.3% |
| Cash at bank and in hand54/58 | €13,052 | €11,219 | €2,199 | ▼ 80.4% |
| Deferred charges and accrued income490/1 | €659 | €1,268 | €291 | ▼ 77.1% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €19,972 | €26,473 | €30,149 | ▲ 13.9% |
| Equity10/15 | €7,841 | €19,147 | €21,765 | ▲ 13.7% |
| Contributions10/11 | €4,000 | €4,000 | €4,000 | = |
| Reserves13 | €3,841 | €15,147 | €17,765 | ▲ 17.3% |
| Distributable reserves133 | €3,841 | €15,147 | €17,765 | ▲ 17.3% |
| Amounts payable17/49 | €12,131 | €7,326 | €8,384 | ▲ 14.4% |
| Amounts payable within one year42/48 | €12,131 | €7,326 | €8,384 | ▲ 14.4% |
| Trade debts44 | €4,762 | €3,345 | €3,485 | ▲ 4.2% |
| Suppliers440/4 | €4,762 | €3,345 | €3,485 | ▲ 4.2% |
| Taxes, remuneration and social security45 | €7,369 | €3,981 | €4,899 | ▲ 23.1% |
| Taxes450/3 | €2,869 | €3,981 | €3,673 | ▼ 7.7% |
| Remuneration and social security454/9 | €4,500 | €0 | €1,226 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,841 | €11,305 | €2,618 | ▼ 76.8% |
| + Depreciation and write-downs630 | €896 | €0 | €2,441 | - |
| Operating cash flow (approximation) | €4,737 | €11,305 | €5,059 | ▼ 55.2% |
| Change in cash | - | -€1,833 | -€9,020 | ▼ 392% |
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 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €2,618 ▼76.8%
Net result drops to €2,618, the lowest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €11,305 ▲194%
Operating result €14,197, net result €11,305, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.61
Current ratio from 1.65 to 3.61; short-term debt falls from €12,131 to €7,326.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · 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.
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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, Lokeren · 1 establishment unit since 2023
Ground area
355 m²
Building footprint
185 m²
Volume, LiDAR
828 m³
Parcel 46383D1156/00V000, Flanders · tallest building 11.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Lyma
since 20232.344.184.845
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46383D1156/00V000 | Flanders | 355 m² | 1 · 185 m² | 10.9 m · 1 fl. |
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.
Similar companies · same sector, comparable size
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MV WORX
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Elmans
BE 1000.338.135
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AMHAZ AUTOMOBILE
BE 1000.031.396
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Of 2,129 companies in sector 46711 we hold annual accounts for 1,128. 596 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
41001General construction of residential buildings
43120Site preparation
43130Specialised construction activities
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
56301Cafés and bars
E-invoicing
Reachable via Peppol
Peppol ID
0208:0795934389
Also
9925:BE0795934389
Registered
02-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.