Séverine Lampin
ActiveThe computed 12-month bankruptcy probability of Séverine Lampin is 3.0% (moderate). The 2025 annual accounts show equity of €71k and a net result of €7k. Equity is growing by ~24.4% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-41
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 7.31 against 4.9 in 2024; short-term debt: 13.7% and cash: 0.5% of total assets), and 13.7% 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 · 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
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
86.3%
Return on assets
8.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-12-2025, 45 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
45 d early
2024
44 d early
2023
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▲ 11.3%
2024 · €64k
2023: €40k
2024: €64k
2023 → 2025
Total assets
€82k▲ 2.6%
2024 · €80k
2023: €56k
2024: €80k
2023 → 2025
Net result
€7k▼ 69.9%
2024 · €24k
2023: €35k
2024: €24k
2023 → 2025
Working capital
€71k▲ 11.3%
2024 · €64k
2023: €40k
2024: €64k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€40k-€64k▲ 60.2%€71k▲ 11.3%
Operating result€46k-€33k▼ 28.8%€13k▼ 60.6%
Net result€35k-€24k▼ 31.1%€7k▼ 69.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 61% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €82k
Equity
€71k▲ 11.3%
Debt
€11k▼ 31.2%
The debt ratio falls from 20.4% to 13.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
86.3%▲
2024 · 79.6%
Current ratio
7.31▲
2024 · 4.90
Quick ratio
7.31▲
2024 · 4.90
Debt / equity
0.16▼
2024 · 0.26
ROE
10.2%▼
2024 · 37.6%
ROA
8.8%▼
2024 · 29.9%
Debt
€11k▼
2024 · €16k
Debt ≤ 1 year
€11k▼
2024 · €16k
Income taxes
€8k▼
2024 · €9k
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€80k€82k▲
Current assets29/58€80k€82k▲
Amounts receivable within one year40/41€71k€77k▲
Trade receivables40€8k-
Other amounts receivable41€63k€77k▲
Cash at bank and in hand54/58€5k€390▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€80k€82k▲
Equity10/15€64k€71k▲
Contributions10/11€5k€5k=
Reserves13€59k€66k▲
Distributable reserves133€59k€66k▲
Amounts payable17/49€16k€11k▼
Amounts payable within one year42/48€16k€11k▼
Trade debts44-€74
Suppliers440/4-€74
Taxes, remuneration and social security45€16k€11k▼
Taxes450/3€16k€11k▼
Income statement
Code20242025
Other operating charges640/8-€2k
Gross operating margin9900€33k€14k▼
Operating profit (loss)9901€33k€13k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€33k€15k▼
Income taxes67/77€9k€8k▼
Profit (loss) for the period9904€24k€7k▼
Profit (loss) for the period to be appropriated9905€24k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€7k▼
Transfer to equity691/2€24k€7k▼
To other reserves6921€24k€7k▼
The notes to these accounts (2 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
2025
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €7k ▼69.9%
Net result drops to €7k, the lowest in the series.
2024
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
26-01
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.
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, Comines-Warneton · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Oude Plaatsstraat(NW) 867784 Comines-WarnetonGround area
1,098 m²
Building footprint
121 m²
Volume, LiDAR
759 m³
Parcel 54001B0025/00Y003, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Séverine Lampin
since 20222.342.941.661
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54001B0025/00Y003 | Wallonia | 1,098 m² | 1 · 121 m² | 8.1 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2022
Fiscal year end30-06
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.