STEFAN LAMBERT
ActiveSTEFAN LAMBERT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €4k. Its solvency ranks better than 95% of 2267 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+11
Growth52
Stability82
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 7.81 against 1.63 in 2024), and 8.4% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← 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
91.6%
Return on assets
23.7%
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 10-06-2026, 51 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
51 d early
2024
50 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▲ 34.9%
2024 · €10k
2024: €10k
2024 → 2025
Total assets
€15k▼ 15.8%
2024 · €18k
2024: €18k
2024 → 2025
Net result
€4k▼ 50.9%
2024 · €7k
2024: €7k
2024 → 2025
Working capital
€9k▲ 78.5%
2024 · €5k
2024: €5k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€10k-€14k▲ 34.9%
Operating result€9k-€5k▼ 49.1%
Net result€7k-€4k▼ 50.9%
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 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15k
Fixed assets
€5k▼ 3.8%
Current assets
€10k▼ 21.0%
Equity and liabilities €15k
Equity
€14k▲ 34.9%
Debt
€1k▼ 83.5%
The debt ratio falls from 42.8% to 8.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€6k▼
2024 · €10k
Cash flow
€5k▼
2024 · €8k
Solvency
91.6%▲
2024 · 57.2%
Current ratio
7.81▲
2024 · 1.63
Quick ratio
7.81▲
2024 · 1.63
Debt / equity
0.09▼
2024 · 0.75
ROE
25.9%▼
2024 · 71.1%
ROA
23.7%▼
2024 · 40.6%
Interest coverage
65.85▼
2024 · 719.80
Debt
€1k▼
2024 · €8k
Debt ≤ 1 year
€1k▼
2024 · €8k
Income taxes
€1k▼
2024 · €2k
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€18k€15k▼
Fixed assets21/28€5k€5k▼
Tangible fixed assets22/27€5k€5k▼
Plant, machinery and equipment23-€432
Furniture and vehicles24€5k€5k▼
Current assets29/58€13k€10k▼
Amounts receivable within one year40/41€3k€2k▼
Trade receivables40€3k€580▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€9k€8k▼
Deferred charges and accrued income490/1€203€207▲
Equity and liabilities
Total equity and liabilities10/49€18k€15k▼
Equity10/15€10k€14k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€7k€11k▲
Amounts payable17/49€8k€1k▼
Amounts payable within one year42/48€8k€1k▼
Trade debts44€5k€888▼
Suppliers440/4€5k€888▼
Taxes, remuneration and social security45€3k€390▼
Taxes450/3€3k€390▼
Other amounts payable47/48€153€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€422€2k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€10k€7k▼
Operating profit (loss)9901€9k€5k▼
Financial charges65/66B€14€97▲
Recurring financial charges65€14€97▲
Profit (loss) for the period before taxes9903€9k€5k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€7k€4k▼
Profit (loss) for the period to be appropriated9905€7k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€11k▲
Profit (loss) brought forward from the previous period14P-€7k
The notes to these accounts (15 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 5current ratio 7.81
Current ratio from 1.63 to 7.81; short-term debt falls from €8k to €1k.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · 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, Anhée · 1 establishment unit since 2024
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.
Rue du Rivage, Annevoie 25537 AnhéeGround area
350 m²
Building footprint
136 m²
Volume, LiDAR
668 m³
Parcel 91006B0068/00P003, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEFAN LAMBERT
since 20242.355.954.509
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91006B0068/00P003 | Wallonia | 350 m² | 1 · 136 m² | 9.0 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.
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Of 3,868 companies in sector 93199 we hold annual accounts for 602. 376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2023
Fiscal year end31-12
Activities, NACEBEL
93199Other sports activities
71113Urban planning and landscape architecture
77110Renting and leasing of cars and light motor vehicles
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:stefan.lambert@hotmail.com
Phone:+32475204813