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SAINT-LAMBERT

Active
Public limited companyfounded 199035 yrs activeBelgiëlei 176, 2018 Antwerpen, BelgiumKBO/BCE: BE 0442.841.028
Summary

SAINT-LAMBERT has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €539,146 and a net result of €4,954. Equity is growing by ~14.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability46▼-32
Solvency59▼-19
Growth52▼-26
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 ample (current ratio 5.21 against 5.79 in 2023; short-term debt: 5.5% and cash: 2.4% of total assets), but 65.8% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 35 years 0 40 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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 · 10 filings
Deviation from the deadline
2025
not confirmed
2024
26 d late
2023
8 d late
2022
52 d early
2021
29 d late
2020
19 d early
2019
7 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 3 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

SAINT-LAMBERT was incorporated on 19 December 1990.1 Total assets rose from EUR 1.1 million in 2018 to EUR 1.6 million in 2024 and headcount from 0.5 full-time equivalents in 2018 to 0.1 in 2021.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018, 2021 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€539,146▲ 0.9%
2023 · €534,192
Total assets
€1.6m▲ 56.4%
2023 · €1.0m
Net result
€4,954▼ 93.6%
2023 · €76,811
Working capital
€365,686▼ 5.7%
2023 · €387,971
Trend over the years
In euros
In full-time equivalents (FTE)
In euros
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.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result€467€69,936▲ 14,876%€139,169▲ 99.0%€2,871▼ 97.9%€20,423▲ 611%
Net result-€14,519▲ 16.4%€50,801€124,673▲ 145%€76,811▼ 38.4%€4,954▼ 93.6%
Equity€281,906▼ 4.9%€332,707▲ 18.0%€457,380▲ 37.5%€534,192▲ 16.8%€539,146▲ 0.9%
Total assets€1.0m▲ 0.8%€1.2m▲ 17.4%€1.1m▼ 3.8%€1.0m▼ 11.9%€1.6m▲ 56.4%
Debt€695,147▲ 3.4%€820,528▲ 18.0%€652,533▼ 20.5%€440,337▼ 32.5%€1.0m▲ 128%
Working capital€175,484▼ 28.9%€418,101▲ 138%€292,283▼ 30.1%€387,971▲ 32.7%€365,686▼ 5.7%
Staff (FTE)0.1
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€50,000€0€50,000€100,000€150,000Operating result 2020: €467€467Net result 2020: -€14,519-€14,519Operating result 2021: €69,936€69,936Net result 2021: €50,801€50,801Operating result 2022: €139,169€139,169Net result 2022: €124,673€124,673Operating result 2023: €2,871€2,871Net result 2023: €76,811€76,811Operating result 2024: €20,423€20,423Net result 2024: €4,954€4,95420202021202220232024€0€50,000€100,000€150,000Operating result 2022: €139,169€139,000Net result 2022: €124,673€125,000Operating result 2023: €2,871€2,870Net result 2023: €76,811€76,800Operating result 2024: €20,423€20,400Net result 2024: €4,954€4,950202220232024
The operating result recovers in 2024; 2024 is 611% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.6m
Fixed assets €1.1m ▲ 109%
Current assets €452,523 ▼ 3.5%
Equity and liabilities €1.6m
Equity €539,146 ▲ 0.9%
Provisions €31,435 ▼ 3.9%
Debt €1.0m ▲ 128%
Debt's share of the balance-sheet total rises from 43.7% to 63.8%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
EBITDA
€53,635▲
2023 · €31,331
Cash flow
€38,166▼
2023 · €105,271
Current ratio
5.21▼
2023 · 5.79
Quick ratio
0.57▼
2023 · 0.82
Debt to equity
1.86▲
2023 · 0.82
ROE
0.9%▼
2023 · 14.4%
ROA
0.3%▼
2023 · 7.6%
Interest coverage
3.19▼
2023 · 8.28
Debt ≤ 1 year
€86,837▲
2023 · €81,035
Debt > 1 year
€918,198▲
2023 · €359,302
Income taxes
-€67▼
2023 · €1,058
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.

  • Small
  • 20 years or older
  • solvency 30% or more
  • a profit under 5% of the balance sheet
0.2% went bankrupt
3.5% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

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 14,732 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 54 lines
Balance sheet Code20232024
Assets
Total assets20/58€1.0m€1.6m▲
Fixed assets21/28€538,240€1.1m▲
Tangible fixed assets22/27€521,240€1.1m▲
Land and buildings22€521,240€1.1m▲
Financial fixed assets28€17,000€17,000=
Current assets29/58€469,006€452,523▼
Stocks and contracts in progress3€402,808€402,808=
Stocks30/36€402,808€402,808=
Amounts receivable within one year40/41€9,521€11,829▲
Trade receivables40€700-
Other amounts receivable41€8,821€11,829▲
Cash at bank and in hand54/58€56,677€37,885▼
Equity and liabilities
Total equity and liabilities10/49€1.0m€1.6m▲
Equity10/15€534,192€539,146▲
Contributions10/11€72,000€72,000=
Capital10€72,000€72,000=
Issued capital100€72,000€72,000=
Reserves13€212,422€247,929▲
Non-distributable reserves130/1€7,200€7,200=
Legal reserve130€7,200€7,200=
Tax-exempt reserves132€77,950€74,957▼
Distributable reserves133€127,273€165,772▲
Profit (loss) carried forward14€249,769€219,217▼
Provisions and deferred taxes16€32,717€31,435▼
Deferred taxes168€32,717€31,435▼
Amounts payable17/49€440,337€1.0m▲
Amounts payable after more than one year17€359,302€918,198▲
Financial debts170/4€349,740€904,636▲
Other amounts payable178/9€9,562€13,562▲
Amounts payable within one year42/48€81,035€86,837▲
Current portion of amounts payable after more than one year42-€18,964
Trade debts44€13,777€10,686▼
Suppliers440/4€13,777€10,686▼
Taxes, remuneration and social security45€21,058-
Taxes450/3€21,058-
Other amounts payable47/48€46,200€57,188▲
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28,460€33,212▲
Other operating charges640/8€9,052€8,086▼
Gross operating margin9900€40,384€61,721▲
Operating profit (loss)9901€2,871€20,423▲
Financial income75/76B€77,500€0▼
Recurring financial income75€77,500€0▼
Financial charges65/66B€3,785€16,819▲
Recurring financial charges65€3,785€16,819▲
Profit (loss) for the period before taxes9903€76,587€3,604▼
Transfer from deferred taxes780€1,283€1,283=
Income taxes67/77€1,058-€67▼
Profit (loss) for the period9904€76,811€4,954▼
Transfer from tax-exempt reserves789€2,993€2,993=
Profit (loss) for the period to be appropriated9905€79,804€7,947▼
Appropriation of the result
Profit (loss) to be appropriated9906€249,769€257,716▲
Profit (loss) brought forward from the previous period14P€169,965€249,769▲
Transfer to equity691/2-€38,500
To other reserves6921-€38,500

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Remuneration, social security and pensions62-€6,321€144---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1,412€22,723€28,460€33,212▲ 16.7%
Other operating charges640/8-€5,194€6,372€9,052€8,086▼ 10.7%
Gross operating margin9900€4,207€82,863€168,408€40,384€61,721▲ 52.8%
Operating profit (loss)9901€467€69,936€139,169€2,871€20,423▲ 611%
Financial income75/76B--€51,088€77,500€0▼ 100.0%
Recurring financial income75--€51,088€77,500€0▼ 100.0%
Non-recurring financial income76B--€51,088---
Financial charges65/66B-€19,385€7,726€3,785€16,819▲ 344%
Recurring financial charges65€14,986€19,385€7,726€3,785€16,819▲ 344%
Profit (loss) for the period before taxes9903-€14,519€50,551€182,531€76,587€3,604▼ 95.3%
Transfer from deferred taxes780-€250€1,315€1,283€1,283=
Income taxes67/77--€59,173€1,058-€67▼ 106%
Profit (loss) for the period9904-€14,519€50,801€124,673€76,811€4,954▼ 93.6%
Transfer from tax-exempt reserves789-€595€3,132€2,993€2,993=
Profit (loss) for the period to be appropriated9905-€14,519€51,396€127,805€79,804€7,947▼ 90.0%
Line20202021202220232024Change
Assets
Total assets20/58€1.0m€1.2m€1.1m€1.0m€1.6m▲ 56.4%
Fixed assets21/28€342,025€556,776€571,075€538,240€1.1m▲ 109%
Tangible fixed assets22/27€325,025€539,776€554,075€521,240€1.1m▲ 112%
Land and buildings22-€539,776€554,075€521,240€1.1m▲ 112%
Financial fixed assets28€17,000€17,000€17,000€17,000€17,000=
Current assets29/58€670,593€631,774€572,838€469,006€452,523▼ 3.5%
Stocks and contracts in progress3€364,334€389,343€402,808€402,808€402,808=
Stocks30/36-€389,343€402,808€402,808€402,808=
Amounts receivable within one year40/41€291,402€222,894€106,177€9,521€11,829▲ 24.2%
Trade receivables40---€700--
Other amounts receivable41-€222,894€106,177€8,821€11,829▲ 34.1%
Cash at bank and in hand54/58€14,857€19,537€63,775€56,677€37,885▼ 33.2%
Deferred charges and accrued income490/1--€78---
Equity and liabilities
Total equity and liabilities10/49€1.0m€1.2m€1.1m€1.0m€1.6m▲ 56.4%
Equity10/15€281,906€332,707€457,380€534,192€539,146▲ 0.9%
Contributions10/11€72,000€72,000€72,000€72,000€72,000=
Capital10-€72,000€72,000€72,000€72,000=
Issued capital100-€72,000€72,000€72,000€72,000=
Reserves13€91,869€91,274€215,415€212,422€247,929▲ 16.7%
Non-distributable reserves130/1-€7,200€7,200€7,200€7,200=
Legal reserve130-€7,200€7,200€7,200€7,200=
Tax-exempt reserves132-€84,074€80,942€77,950€74,957▼ 3.8%
Distributable reserves133--€127,273€127,273€165,772▲ 30.2%
Profit (loss) carried forward14€118,037€169,433€169,965€249,769€219,217▼ 12.2%
Provisions and deferred taxes16€35,565€35,315€34,000€32,717€31,435▼ 3.9%
Deferred taxes168-€35,315€34,000€32,717€31,435▼ 3.9%
Amounts payable17/49€695,147€820,528€652,533€440,337€1.0m▲ 128%
Amounts payable after more than one year17€200,038€606,855€369,740€359,302€918,198▲ 156%
Financial debts170/4-€177,115-€349,740€904,636▲ 159%
Other amounts payable178/9-€429,740€369,740€9,562€13,562▲ 41.8%
Amounts payable within one year42/48€495,109€213,673€280,555€81,035€86,837▲ 7.2%
Current portion of amounts payable after more than one year42-€3,000€24,000-€18,964-
Trade debts44€1,478€11,968€10,706€13,777€10,686▼ 22.4%
Suppliers440/4-€11,968€10,706€13,777€10,686▼ 22.4%
Taxes, remuneration and social security45--€35,174€21,058--
Taxes450/3--€35,174€21,058--
Other amounts payable47/48-€198,705€210,675€46,200€57,188▲ 23.8%
Accrued charges and deferred income492/3--€2,238---
Line20202021202220232024Change
Profit (loss) for the period9904-€14,519€50,801€124,673€76,811€4,954▼ 93.6%
+ Depreciation and write-downs630-€1,412€22,723€28,460€33,212▲ 16.7%
Operating cash flow (approximation)-€14,519€52,213€147,396€105,271€38,166▼ 63.7%
Investment in fixed assets (approximation)--€216,163-€37,022€4,375-€618,065▼ 14,228%
Change in cash-€4,680€44,238-€7,098-€18,792▼ 165%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2025
26-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
08-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial Liquidity triplescurrent ratio 5.79
Current ratio from 2.04 to 5.79; short-term debt falls from €280,555 to €81,035.
31-12
Financial Equity above €500,000Eq €534,192 ▲16.8%
3 profitable years in a row build equity to €534,192.
09-06
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial Highest result since 2018net €124,673 ▲145%
Operating result €139,169, net result €124,673, both a record.
29-08
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-12
Financial Back to profitnet €50,801
Net result €50,801 after 2 loss-making years.
31-12
Financial Liquidity doublescurrent ratio 2.96
Current ratio from 1.35 to 2.96; short-term debt falls from €495,109 to €213,673.
12-07
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-07
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial Weakest financial yearnet -€17,369
Net result drops to -€17,369, the lowest in the series; recovery starts the following year.
Show earlier events
20-08
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 20 days late
2018
28-09
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
31-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Antwerpen · 1 establishment unit since 1991
seat establishment The establishment unit on the map
Ground area
321 m²
Building footprint
302 m²
Volume, LiDAR
8,351 m³
Parcel 11806F1389/00T009, Flanders · tallest building 31.0 m, ±9 floors. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
Belgiëlei 176, 2018 Antwerpen
NACE 70201
since 19912.051.154.080
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11806F1389/00T009 Flanders 321 m² 1 · 302 m² 31.0 m · 9 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.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2024 list no shareholders, and no other source names one.

Holdings 1

According to the 2024 annual accounts of SAINT-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.

Identification & contact

Identification
Legal formPublic limited company
Founded19-12-1990
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0442841028
Also 9925:BE0442841028
Registered 24-12-2025

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.