MARCEL LAMBERT
ActiveMARCEL LAMBERT has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €150k and a net result of €22k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 45% of 26908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
78
/ 100
Excellent▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-27
Solvency71▲+14
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.07 in 2024), and 57.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
42.6%
Return on assets
6.2%
Age of the figures
8 mo
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 17-04-2026, 105 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
105 d early
2024
135 d early
2023
160 d early
2022
164 d early
2021
131 d early
2020
136 d early
2019
172 d early
← 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€150k▼ 4.0%
2024 · €156k
2018: €73k
2019: €81k
2020: €85k
2021: €147k
2022: €144k
2023: €131k
2024: €156k
2018 → 2025
Total assets
€352k▼ 21.7%
2024 · €449k
2018: €293k
2019: €275k
2020: €250k
2021: €441k
2022: €405k
2023: €374k
2024: €449k
2018 → 2025
Net result
€22k▼ 54.4%
2024 · €48k
2018: €45k
2019: €52k
2020: €63k
2021: €68k
2022: €6k
2023: €12k
2024: €48k
2018 → 2025
Working capital
€34k▲ 251%
2024 · €10k
2018: €6k
2019: €11k
2020: €43k
2021: €8k
2022: €5k
2023: €22k
2024: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€147k-€144k▼ 2.5%€131k▼ 8.9%€156k▲ 19.3%€150k▼ 4.0%
Operating result€78k-€9k▼ 88.0%€27k▲ 188%€75k▲ 180%€44k▼ 41.3%
Net result€68k-€6k▼ 90.8%€12k▲ 94.3%€48k▲ 292%€22k▼ 54.4%
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 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €352k
Fixed assets
€191k▼ 37.9%
Current assets
€160k▲ 13.9%
Equity and liabilities €352k
Equity
€150k▼ 4.0%
Provisions
€4k▼ 60.0%
Debt
€198k▼ 30.1%
The debt ratio falls from 62.9% to 56.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€119k▼
2024 · €173k
Cash flow
€96k▼
2024 · €146k
Solvency
42.6%▲
2024 · 34.8%
Current ratio
1.27▲
2024 · 1.07
Quick ratio
1.27▲
2024 · 1.07
Debt / equity
1.32▼
2024 · 1.81
ROE
14.5%▼
2024 · 30.6%
ROA
6.2%▼
2024 · 10.6%
Interest coverage
20.44▼
2024 · 26.79
Debt
€198k▼
2024 · €282k
Debt ≤ 1 year
€126k▼
2024 · €131k
Debt > 1 year
€71k▼
2024 · €152k
Income taxes
€23k▲
2024 · €16k
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€449k€352k▼
Formation expenses20€0€0=
Fixed assets21/28€308k€191k▼
Tangible fixed assets22/27€308k€191k▼
Plant, machinery and equipment23€273k€169k▼
Furniture and vehicles24€36k€22k▼
Other tangible fixed assets26€299€150▼
Financial fixed assets28€180€180=
Current assets29/58€141k€160k▲
Amounts receivable within one year40/41€85k€82k▼
Trade receivables40€59k€61k▲
Other amounts receivable41€26k€21k▼
Cash at bank and in hand54/58€49k€71k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€449k€352k▼
Equity10/15€156k€150k▼
Contributions10/11€12k€12k=
Reserves13€144k€138k▼
Tax-exempt reserves132€42k€17k▼
Distributable reserves133€102k€121k▲
Profit (loss) carried forward14€0-
Provisions and deferred taxes16€11k€4k▼
Deferred taxes168€11k€4k▼
Amounts payable17/49€282k€198k▼
Amounts payable after more than one year17€152k€71k▼
Financial debts170/4€152k€71k▼
Amounts payable within one year42/48€131k€126k▼
Current portion of amounts payable after more than one year42€74k€51k▼
Financial debts43€0€0=
Credit institutions430/8€0€0=
Trade debts44€30k€18k▼
Suppliers440/4€30k€18k▼
Taxes, remuneration and social security45€5k€29k▲
Taxes450/3€5k€29k▲
Other amounts payable47/48€23k€28k▲
Accrued charges and deferred income492/3€5€105▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€75k▼
Other operating charges640/8€297€377▲
Gross operating margin9900€173k€119k▼
Operating profit (loss)9901€75k€44k▼
Financial income75/76B€29€3▼
Recurring financial income75€29€3▼
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€69k€38k▼
Transfer from deferred taxes780€3k€6k▲
Transfer to deferred taxes680€7k-
Income taxes67/77€16k€23k▲
Profit (loss) for the period9904€48k€22k▼
Transfer from tax-exempt reserves789€12k€25k▲
Transfer to tax-exempt reserves689€30k-
Profit (loss) for the period to be appropriated9905€30k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€47k▲
Profit (loss) brought forward from the previous period14P€17k-
Transfer from equity791/2€2k€28k▲
Transfer to equity691/2€26k€47k▲
To other reserves6921€26k€47k▲
Profit to be distributed694/7€23k€28k▲
Return on contributions (dividend)694€23k€28k▲
The notes to these accounts (12 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
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €156k ▲19.3%
7 profitable years in a row build equity to €156k.
22-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €6k ▼90.8%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €68k ▲8.3%
Operating result €78k, net result €68k, both a record.
31-12
Financial
Equity above €100kEq €147k ▲74.2%
4 profitable years in a row build equity to €147k.
17-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-04
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Clavier · 1 establishment unit since 2003
Ground area
293 m²
Building footprint
156 m²
Volume, LiDAR
949 m³
Parcel 61012I0046/00S000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lambert Marcel
since 20032.133.043.856
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61012I0046/00S000 ProtectedSite or landscape |
Wallonia | 293 m² | 1 · 156 m² | 7.7 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 8,391 companies in sector 43120 we hold annual accounts for 3,188. 2,604 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-08-2003
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
43120Site preparation
45112
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.