LYMA
ActiveSummary
LYMA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €456,949 and a net result of €89,703. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 63% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+9
Solvency74▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.41 in 2024; short-term debt: 30.1% and cash: 16.3% of total assets), and 50.7% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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
49.3%
Return on assets
9.7%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
38 d early
2021
38 d early
2020
18 d early
2019
38 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 19 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 29 April (5 of the last 5 filed years within 37 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€456,949▲ 24.4%
2024 · €367,246
Total assets
€926,494▲ 12.9%
2024 · €820,524
Net result
€89,703▲ 113%
2024 · €42,171
Working capital
€135,720▲ 67.0%
2024 · €81,287
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€50,419▼ 18.2%€52,299▲ 3.7%€48,378▼ 7.5%€74,125▲ 53.2%€120,273▲ 62.3%
Net result€19,282within the sector's middle half▼ 22.8%€25,899above the sector's middle half▲ 34.3%€22,921above the sector's middle half▼ 11.5%€42,171above the sector's middle half▲ 84.0%€89,703above the sector's middle half▲ 113%
Equity€296,255above the sector's middle half▲ 7.0%€322,154above the sector's middle half▲ 8.7%€345,075above the sector's middle half▲ 7.1%€367,246above the sector's middle half▲ 6.4%€456,949above the sector's middle half▲ 24.4%
Total assets€984,472above the sector's middle half▲ 4.4%€849,957above the sector's middle half▼ 13.7%€829,735above the sector's middle half▼ 2.4%€820,524above the sector's middle half▼ 1.1%€926,494above the sector's middle half▲ 12.9%
Debt€688,217▲ 3.4%€527,803▼ 23.3%€484,660▼ 8.2%€453,277▼ 6.5%€469,545▲ 3.6%
Working capital€24,904within the sector's middle half▼ 40.3%€45,885within the sector's middle half▲ 84.2%€65,492within the sector's middle half▲ 42.7%€81,287within the sector's middle half▲ 24.1%€135,720above the sector's middle half▲ 67.0%
Solvency30.1%within the sector's middle half▲ 0.7pp37.9%within the sector's middle half▲ 7.8pp41.6%within the sector's middle half▲ 3.7pp44.8%within the sector's middle half▲ 3.2pp49.3%within the sector's middle half▲ 4.6pp
Current ratio1.08within the sector's middle half▼ 0.091.24within the sector's middle half▲ 0.161.34within the sector's middle half▲ 0.101.41within the sector's middle half▲ 0.071.49within the sector's middle half▲ 0.07
Return on assets (ROA)2.0%within the sector's middle half▼ 0.7pp3.0%within the sector's middle half▲ 1.1pp2.8%within the sector's middle half▼ 0.3pp5.1%within the sector's middle half▲ 2.4pp9.7%within the sector's middle half▲ 4.5pp
Staff (FTE)0.6=1
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 62% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €926,494
Fixed assets
€511,971 ▼ 5.5%
Current assets
€414,524 ▲ 48.8%
Equity and liabilities €926,494
Equity
€456,949 ▲ 24.4%
Debt
€469,545 ▲ 3.6%
Debt's share of the balance-sheet total falls from 55.2% to 50.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€150,301▲
2024 · €105,592
Cash flow
€119,730▲
2024 · €73,638
Quick ratio
1.29▲
2024 · 1.05
Debt to equity
1.03▼
2024 · 1.23
ROE
19.6%▲
2024 · 11.5%
Interest coverage
13.50▲
2024 · 5.59
Debt ≤ 1 year
€278,803▲
2024 · €197,239
Debt > 1 year
€190,742▼
2024 · €237,609
Income taxes
€36,572▲
2024 · €17,010
Staff costs
€23,445▼
2024 · €23,774
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,662 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% | 1.7% |
| 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 75% 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 34,679 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €281 | - |
| Remuneration, social security and pensions62 | - | €18,438 | €17,788 | €23,774 | €23,445 | ▼ 1.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €32,850 | €34,541 | €34,802 | €31,467 | €30,028 | ▼ 4.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €158 | -€158 | - | - | - |
| Other operating charges640/8 | - | €4,016 | €6,608 | €3,643 | €4,560 | ▲ 25.2% |
| Gross operating margin9900 | €104,828 | €109,451 | €107,419 | €133,009 | €178,306 | ▲ 34.1% |
| Operating profit (loss)9901 | €50,419 | €52,299 | €48,378 | €74,125 | €120,273 | ▲ 62.3% |
| Financial income75/76B | - | €3,585 | €2,199 | €3,952 | €17,271 | ▲ 337% |
| Recurring financial income75 | €64 | €84 | €2,199 | €3,952 | €17,271 | ▲ 337% |
| Non-recurring financial income76B | - | €3,500 | - | - | - | - |
| Financial charges65/66B | - | €19,128 | €17,629 | €18,895 | €11,269 | ▼ 40.4% |
| Recurring financial charges65 | €22,705 | €19,128 | €17,629 | €18,895 | €11,133 | ▼ 41.1% |
| Non-recurring financial charges66B | - | - | - | - | €136 | - |
| Profit (loss) for the period before taxes9903 | €27,777 | €36,756 | €32,949 | €59,181 | €126,275 | ▲ 113% |
| Income taxes67/77 | €8,496 | €10,856 | €10,028 | €17,010 | €36,572 | ▲ 115% |
| Profit (loss) for the period9904 | €19,282 | €25,899 | €22,921 | €42,171 | €89,703 | ▲ 113% |
| Profit (loss) for the period to be appropriated9905 | €19,282 | €25,899 | €22,921 | €42,171 | €89,703 | ▲ 113% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €984,472 | €849,957 | €829,735 | €820,524 | €926,494 | ▲ 12.9% |
| Fixed assets21/28 | €646,222 | €615,308 | €572,967 | €541,998 | €511,971 | ▼ 5.5% |
| Intangible fixed assets21 | - | - | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €636,037 | €605,122 | €572,781 | €541,813 | €511,785 | ▼ 5.5% |
| Land and buildings22 | - | €591,442 | €564,204 | €534,342 | €505,965 | ▼ 5.3% |
| Plant, machinery and equipment23 | - | €10,128 | €8,578 | €7,470 | €5,820 | ▼ 22.1% |
| Furniture and vehicles24 | - | €3,552 | €0 | €0 | €0 | - |
| Financial fixed assets28 | €10,186 | €10,186 | €186 | €186 | €186 | = |
| Current assets29/58 | €338,250 | €234,649 | €256,768 | €278,525 | €414,524 | ▲ 48.8% |
| Stocks and contracts in progress3 | €91,404 | €87,208 | €70,614 | €71,375 | €56,256 | ▼ 21.2% |
| Stocks30/36 | - | €87,208 | €70,614 | €71,375 | €56,256 | ▼ 21.2% |
| Amounts receivable within one year40/41 | €7,518 | €7,760 | €15,150 | €22,122 | €22,940 | ▲ 3.7% |
| Trade receivables40 | - | €7,760 | €7,678 | €7,996 | €14,486 | ▲ 81.2% |
| Other amounts receivable41 | - | - | €7,472 | €14,126 | €8,455 | ▼ 40.1% |
| Current investments50/53 | €116,880 | €24,796 | €97,962 | €109,784 | €182,592 | ▲ 66.3% |
| Cash at bank and in hand54/58 | €122,124 | €114,536 | €72,040 | €74,052 | €150,744 | ▲ 104% |
| Deferred charges and accrued income490/1 | - | €349 | €1,002 | €1,192 | €1,991 | ▲ 67.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €984,472 | €849,957 | €829,735 | €820,524 | €926,494 | ▲ 12.9% |
| Equity10/15 | €296,255 | €322,154 | €345,075 | €367,246 | €456,949 | ▲ 24.4% |
| Contributions10/11 | - | €108,600 | €108,600 | €108,600 | €108,600 | = |
| Outside capital11 | - | €108,600 | - | - | - | - |
| Other1109/19 | - | €108,600 | - | - | - | - |
| Reserves13 | €89,174 | €115,073 | €137,973 | €160,073 | €249,776 | ▲ 56.0% |
| Non-distributable reserves130/1 | - | €10,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | €10,860 | - | - | - | - |
| Tax-exempt reserves132 | - | €169 | €169 | €169 | €169 | = |
| Distributable reserves133 | - | €104,044 | €137,804 | €159,904 | €249,607 | ▲ 56.1% |
| Profit (loss) carried forward14 | €98,481 | €98,481 | €98,502 | €98,573 | €98,573 | = |
| Amounts payable17/49 | €688,217 | €527,803 | €484,660 | €453,277 | €469,545 | ▲ 3.6% |
| Amounts payable after more than one year17 | €368,581 | €326,319 | €282,747 | €237,609 | €190,742 | ▼ 19.7% |
| Financial debts170/4 | - | €326,319 | €282,747 | €237,609 | €190,742 | ▼ 19.7% |
| Amounts payable within one year42/48 | €313,346 | €188,763 | €191,276 | €197,239 | €278,803 | ▲ 41.4% |
| Current portion of amounts payable after more than one year42 | - | €42,072 | €43,573 | €45,138 | €46,867 | ▲ 3.8% |
| Trade debts44 | €70,658 | €47,197 | €48,120 | €40,168 | €69,783 | ▲ 73.7% |
| Suppliers440/4 | - | €47,197 | €48,120 | €40,168 | €69,783 | ▲ 73.7% |
| Taxes, remuneration and social security45 | - | €9,741 | €4,565 | €5,107 | €12,360 | ▲ 142% |
| Taxes450/3 | - | €5,718 | €735 | €633 | €7,753 | ▲ 1,124% |
| Remuneration and social security454/9 | - | €4,023 | €3,830 | €4,474 | €4,607 | ▲ 3.0% |
| Other amounts payable47/48 | - | €89,753 | €95,018 | €106,826 | €149,793 | ▲ 40.2% |
| Accrued charges and deferred income492/3 | - | €12,720 | €10,637 | €18,430 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,282 | €25,899 | €22,921 | €42,171 | €89,703 | ▲ 113% |
| + Depreciation and write-downs630 | €32,850 | €34,541 | €34,802 | €31,467 | €30,028 | ▼ 4.6% |
| Operating cash flow (approximation) | €52,131 | €60,440 | €57,723 | €73,638 | €119,730 | ▲ 62.6% |
| Investment in fixed assets (approximation) | - | -€3,627 | €7,539 | -€498 | €0 | ▲ 100% |
| Change in cash | - | -€7,589 | -€42,495 | €2,012 | €76,692 | ▲ 3,712% |
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €89,703 ▲113%
Operating result €120,273, net result €89,703, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €13,982 ▼31.4%
Net result drops to €13,982, the lowest in the series; recovery starts the following year.
18-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Hasselt · 1 establishment unit since 2009
Ground area
1,089 m²
Building footprint
251 m²
Volume, LiDAR
1,166 m³
Parcel 73040C0524/00P000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LYMA
since 20092.178.486.970
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73040C0524/00P000 | Flanders | 1,089 m² | 1 · 251 m² | 7.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 32,745 EUR awarded · 32,745 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 9,376 EUR | 9,376 EUR |
| 2024 | 1 | 8,966 EUR | 8,966 EUR |
| 2023 | 1 | 7,559 EUR | 7,559 EUR |
| 2022 | 1 | 6,844 EUR | 6,844 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
98450094JE9909156419
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Of 3,224 companies in sector 47400 we hold annual accounts for 1,808. 1,137 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
Founded14-05-2009
Fiscal year end30-09
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0811794186
Also
9925:BE0811794186
Registered
17-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.