Summary
PETIT & LAMBERT 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 €1.5m and a net result of €72,523. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 1502 sector peers (fiscal year 2025). The company has been active since 2012 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
1 signal. The signal on the left, the evidence on the right.
○neutral
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 24-07-2026, 7 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
7 d early
2024
28 d late
2023
50 d early
2022
11 d early
2021
34 d early
2020
29 d early
2019
7 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 16 days before 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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#6 employer in the province of Luxembourg, Auxiliary financial services sector#6 company by equity in Bastogne, Finance and insurance sector
Equity
€1.5m▲ 5.2%
2024 · €1.4m
Net result
€72,523▲ 38.4%
2024 · €52,392
Total assets
€1.7m▼ 3.8%
2024 · €1.8m
Solvency
83.8%▲ 7.2pp
2024 · 76.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€354,507▼ 18.3%€327,628▼ 7.6%€431,724▲ 31.8%€99,031▼ 77.1%€139,132▲ 40.5%
Net result€234,449above the sector's middle half▼ 19.0%€252,511above the sector's middle half▲ 7.7%€301,885above the sector's middle half▲ 19.6%€52,392within the sector's middle half▼ 82.6%€72,523within the sector's middle half▲ 38.4%
Equity€871,147within the sector's middle half▲ 25.1%€1.0mabove the sector's middle half▲ 18.8%€1.3mabove the sector's middle half▲ 29.2%€1.4mabove the sector's middle half▲ 3.9%€1.5mabove the sector's middle half▲ 5.2%
Total assets€1.4mwithin the sector's middle half▲ 22.4%€1.6mwithin the sector's middle half▲ 9.3%€1.8mwithin the sector's middle half▲ 14.5%€1.8mwithin the sector's middle half▲ 1.4%€1.7mwithin the sector's middle half▼ 3.8%
Debt€557,849▲ 18.6%€527,026▼ 5.5%€452,295▼ 14.2%€425,285▼ 6.0%€283,113▼ 33.4%
Working capital€818,655above the sector's middle half▲ 15.6%€748,468above the sector's middle half▼ 8.6%€260,361within the sector's middle half▼ 65.2%€229,964within the sector's middle half▼ 11.7%€415,117above the sector's middle half▲ 80.5%
Solvency61.0%within the sector's middle half▲ 1.3pp66.3%above the sector's middle half▲ 5.3pp74.7%above the sector's middle half▲ 8.5pp76.6%above the sector's middle half▲ 1.8pp83.8%above the sector's middle half▲ 7.2pp
Current ratio5.00above the sector's middle half▼ 0.714.13above the sector's middle half▼ 0.872.13within the sector's middle half▼ 2.011.85within the sector's middle half▼ 0.283.13above the sector's middle half▲ 1.28
Return on assets (ROA)16.4%within the sector's middle half▼ 8.4pp16.2%within the sector's middle half▼ 0.2pp16.9%within the sector's middle half▲ 0.7pp2.9%within the sector's middle half▼ 14.0pp4.2%within the sector's middle half▲ 1.3pp
Staff (FTE)5.2within the sector's middle half▲ 15.6%6.6within the sector's middle half▲ 26.9%6.6within the sector's middle half=10above the sector's middle half▲ 51.5%8.8above the sector's middle half▼ 12.0%
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.
Why a figure moved sharply
- 2024 Net result -83% on 2023. The accounts now follow the abbreviated schema, last year the full schema.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 40% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€1.1m ▼ 13.6%
Current assets
€609,762 ▲ 21.7%
Equity and liabilities €1.7m
Equity
€1.5m ▲ 5.2%
Debt
€283,113 ▼ 33.4%
Debt's share of the balance-sheet total falls from 23.4% to 16.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
5.0%▲
2024 · 3.8%
Debt ≤ 1 year
€194,644▼
2024 · €271,279
Debt > 1 year
€88,174▼
2024 · €153,992
Income taxes
€52,597▲
2024 · €29,096
Staff costs
€780,122▲
2024 · €743,989
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €249,276 | €363,924 | €423,364 | €743,989 | €780,122 | ▲ 4.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €43,109 | €84,285 | €116,853 | €171,916 | €193,111 | ▲ 12.3% |
| Other operating charges640/8 | €7,502 | €4,120 | €17,579 | €17,240 | €6,564 | ▼ 61.9% |
| Non-recurring operating charges66A | - | €438 | - | - | - | - |
| Gross operating margin9900 | €654,395 | €780,395 | €989,520 | €1.0m | €1.1m | ▲ 8.4% |
| Operating profit (loss)9901 | €354,507 | €327,628 | €431,724 | €99,031 | €139,132 | ▲ 40.5% |
| Financial income75/76B | €1,182 | €3,309 | €32 | €32 | €246 | ▲ 662% |
| Recurring financial income75 | €1,182 | €3,309 | €32 | €32 | €246 | ▲ 662% |
| Financial charges65/66B | €12,324 | €11,353 | €13,019 | €17,575 | €14,258 | ▼ 18.9% |
| Recurring financial charges65 | €12,324 | €11,353 | €13,019 | €15,606 | €14,258 | ▼ 8.6% |
| Non-recurring financial charges66B | - | - | - | €1,970 | - | - |
| Profit (loss) for the period before taxes9903 | €343,366 | €319,585 | €418,738 | €81,488 | €125,120 | ▲ 53.5% |
| Income taxes67/77 | €108,917 | €67,073 | €116,852 | €29,096 | €52,597 | ▲ 80.8% |
| Profit (loss) for the period9904 | €234,449 | €252,511 | €301,885 | €52,392 | €72,523 | ▲ 38.4% |
| Profit (loss) for the period to be appropriated9905 | €234,449 | €252,511 | €301,885 | €52,392 | €72,523 | ▲ 38.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.4m | €1.6m | €1.8m | €1.8m | €1.7m | ▼ 3.8% |
| Fixed assets21/28 | €405,862 | €574,847 | €1.3m | €1.3m | €1.1m | ▼ 13.6% |
| Intangible fixed assets21 | - | - | €831,250 | €743,750 | €656,250 | ▼ 11.8% |
| Tangible fixed assets22/27 | €387,837 | €556,822 | €449,125 | €569,589 | €478,920 | ▼ 15.9% |
| Land and buildings22 | €259,958 | €393,468 | €363,176 | €411,888 | €348,374 | ▼ 15.4% |
| Furniture and vehicles24 | €127,880 | €163,353 | €85,949 | €157,701 | €130,547 | ▼ 17.2% |
| Financial fixed assets28 | €18,025 | €18,025 | €18,025 | €25 | €25 | = |
| Current assets29/58 | €1.0m | €987,224 | €490,825 | €501,243 | €609,762 | ▲ 21.7% |
| Amounts receivable within one year40/41 | €250,000 | €30,927 | - | €18,904 | €121,697 | ▲ 544% |
| Other amounts receivable41 | €250,000 | €30,927 | - | €18,904 | €121,697 | ▲ 544% |
| Current investments50/53 | €6 | €15 | €15 | €15 | €15 | = |
| Cash at bank and in hand54/58 | €746,763 | €948,299 | €459,677 | €449,165 | €433,597 | ▼ 3.5% |
| Deferred charges and accrued income490/1 | €26,365 | €7,982 | €31,133 | €33,159 | €54,453 | ▲ 64.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.4m | €1.6m | €1.8m | €1.8m | €1.7m | ▼ 3.8% |
| Equity10/15 | €871,147 | €1.0m | €1.3m | €1.4m | €1.5m | ▲ 5.2% |
| Contributions10/11 | €8,937 | €8,937 | €8,937 | €8,937 | €8,937 | = |
| Reserves13 | €862,210 | €782,492 | €782,492 | €782,492 | €782,492 | = |
| Non-distributable reserves130/1 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | - | - | - | - | - |
| Distributable reserves133 | €860,350 | €782,492 | €782,492 | €782,492 | €782,492 | = |
| Profit (loss) carried forward14 | - | €243,615 | €545,500 | €597,893 | €670,415 | ▲ 12.1% |
| Amounts payable17/49 | €557,849 | €527,026 | €452,295 | €425,285 | €283,113 | ▼ 33.4% |
| Amounts payable after more than one year17 | €353,361 | €288,262 | €221,817 | €153,992 | €88,174 | ▼ 42.7% |
| Financial debts170/4 | €353,361 | €288,262 | €221,817 | €153,992 | €88,174 | ▼ 42.7% |
| Amounts payable within one year42/48 | €204,479 | €238,756 | €230,463 | €271,279 | €194,644 | ▼ 28.2% |
| Current portion of amounts payable after more than one year42 | €71,787 | €73,099 | €74,445 | €75,825 | €73,818 | ▼ 2.6% |
| Trade debts44 | €25,542 | €35,993 | €38,489 | €3,538 | €15,484 | ▲ 338% |
| Suppliers440/4 | - | - | - | €1,801 | €13,439 | ▲ 646% |
| Bills of exchange payable441 | €25,542 | €35,993 | €38,489 | €1,737 | €2,045 | ▲ 17.7% |
| Taxes, remuneration and social security45 | €50,325 | €45,036 | €117,199 | €191,585 | €105,012 | ▼ 45.2% |
| Taxes450/3 | €23,908 | €11,629 | €70,083 | €95,229 | €22,897 | ▼ 76.0% |
| Remuneration and social security454/9 | €26,417 | €33,407 | €47,116 | €96,355 | €82,115 | ▼ 14.8% |
| Other amounts payable47/48 | €56,825 | €84,628 | €331 | €331 | €331 | = |
| Accrued charges and deferred income492/3 | €9 | €9 | €15 | €15 | €295 | ▲ 1,864% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €234,449 | €252,511 | €301,885 | €52,392 | €72,523 | ▲ 38.4% |
| + Depreciation and write-downs630 | €43,109 | €84,285 | €116,853 | €171,916 | €193,111 | ▲ 12.3% |
| Operating cash flow (approximation) | €277,558 | €336,796 | €418,738 | €224,308 | €265,634 | ▲ 18.4% |
| Investment in fixed assets (approximation) | - | -€253,269 | -€840,407 | -€186,880 | -€14,943 | ▲ 92.0% |
| Change in cash | - | €201,535 | -€488,622 | -€10,512 | -€15,568 | ▼ 48.1% |
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €52,392 ▼82.6%
Net result drops to €52,392, the lowest in the series; recovery starts the following year.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €301,885 ▲19.6%
Net result €301,885, the highest in the series.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €1mEq €1.0m ▲18.8%
5 profitable years in a row build equity to €1.0m.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €500,000Eq €696,514 ▲58.9%
3 profitable years in a row build equity to €696,514.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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, Bastogne · 3 establishment units since 2012
Ground area
2,583 m²
Building footprint
643 m²
Volume, LiDAR
6,964 m³
3 parcels, Wallonia · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
Fintro Bastogne Petit & Lambert SRL
since 20122.214.018.169
Fintro Arlon Petit & Lambert SRL
since 20222.390.963.589
Fintro Marche-en-Famenne Petit & Lambert SRL
since 20232.390.963.688
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83034A0830/00P004 | Wallonia | 1,587 m² | - | - |
| 82003E1126/00S005 | Wallonia | 615 m² | 1 · 581 m² | 14.9 m · 4 fl. |
| 81001A2000/00T005indicative | Wallonia | 380 m² | 1 · 62 m² | 11.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Part of the group
Insurance Investments International
11 companies
Group, risk and exposure
Owners and holdings
1 ownerChain of control
- Insurance Investments International
- Insurance Investments Group
- INSURANCE INVESTMENTS
- ALLIA INSURANCE BROKERS
- PETIT & LAMBERT
Highest known parent: Insurance Investments International. The sources do not say who stands above it.
Owners 1
-
100%
Holdings 0
The accounts to 31-12-2023 list no holdings, and no other source names one.
According to the 2023 annual accounts of PETIT & LAMBERT and those 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.
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 770 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
Founded12-10-2012
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0849900142
Registered
15-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.