TRESOR SAINT-LAMBERT
ActiveTRESOR SAINT-LAMBERT has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €399k and a net result of €522. Equity is shrinking by ~26.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 56% of 94 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability69▲+10
Solvency85▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.7 against 5.56 in 2023; short-term debt: 2.7% and cash: 3.9% of total assets), and 40.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 91
Relative position
BE, all sectors
reference
Sector 91
lower
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-08-2025, 19 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
19 d late
2023
23 d late
2022
39 d early
2021
30 d late
2020
18 d late
2019
70 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€37k
EBIT margin
88.7%
Net result
€522
2023 · €-60k
2019: €-65k
2020: €33k
2021: €38k
2022: €-10k
2023: €-60k
2019 → 2024
Working capital
€67k▼ 23.9%
2023 · €88k
2019: €18k
2020: €83k
2021: €102k
2022: €96k
2023: €88k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€37k-
Equity€1.17M-€938k▼ 19.8%€706k▼ 24.7%€463k▼ 34.4%€399k▼ 13.9%
Operating result€33k-€38k▲ 14.7%€-10k€-59k▼ 499%€943
Net result€33k-€38k▲ 14.9%€-10k€-60k▼ 494%€522
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €943 after a loss of €59k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €666k
Fixed assets
€581k▼ 10.3%
Current assets
€85k▼ 20.7%
Equity and liabilities €666k
Equity
€399k▼ 13.9%
Provisions
€93k▼ 11.1%
Debt
€174k▼ 7.0%
The debt ratio rises from 24.8% to 26.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€83k▼
2023 · €199k
Cash flow
€82k▼
2023 · €198k
Solvency
59.9%▼
2023 · 61.3%
Current ratio
4.70▼
2023 · 5.56
Quick ratio
1.53▼
2023 · 2.20
Debt / equity
0.44▲
2023 · 0.40
ROE
0.1%▲
2023 · -12.9%
ROA
0.1%▲
2023 · -7.9%
Interest coverage
179.31▼
2023 · 402.25
Debt
€174k▼
2023 · €187k
Debt ≤ 1 year
€18k▼
2023 · €19k
Debt > 1 year
€156k▼
2023 · €168k
Staff costs
€121k▲
2023 · €114k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€754k€666k▼
Fixed assets21/28€648k€581k▼
Tangible fixed assets22/27€646k€579k▼
Plant, machinery and equipment23€324€15k▲
Other tangible fixed assets26€645k€564k▼
Financial fixed assets28€2k€2k=
Current assets29/58€107k€85k▼
Stocks and contracts in progress3€65k€57k▼
Stocks30/36€65k€57k▼
Amounts receivable within one year40/41€0€988▲
Trade receivables40€0€988▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€42k€26k▼
Deferred charges and accrued income490/1€148€421▲
Equity and liabilities
Total equity and liabilities10/49€754k€666k▼
Equity10/15€463k€399k▼
Profit (loss) carried forward14€-22k€-22k▲
Investment grants15€485k€420k▼
Provisions and deferred taxes16€104k€93k▼
Provisions for liabilities and charges160/5€104k€93k▼
Major repairs and maintenance162€104k€93k▼
Amounts payable17/49€187k€174k▼
Amounts payable after more than one year17€168k€156k▼
Financial debts170/4€168k€156k▼
Amounts payable within one year42/48€19k€18k▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€971€682▼
Remuneration and social security454/9€15k€14k▼
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€103k€116k▲
Remuneration, social security and pensions62€114k€121k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€258k€82k▼
Other operating charges640/8€726€180▼
Gross operating margin9900€302k€192k▼
Operating profit (loss)9901€-59k€943▲
Financial income75/76B€40€41▲
Recurring financial income75€40€41▲
Financial charges65/66B€494€461▼
Recurring financial charges65€494€461▼
Profit (loss) for the period before taxes9903€-60k€522▲
Profit (loss) for the period9904€-60k€522▲
Profit (loss) for the period to be appropriated9905€-60k€522▲
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-22k▲
Profit (loss) brought forward from the previous period14P€38k€-22k▼
Social balance
Average headcount (FTE)908718.0-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Back to profitnet €522
Net result €522 after 2 loss-making years.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 23 days late
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Highest result since 2019net €38k ▲14.9%
Operating result €38k, net result €38k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 18 days late
2020
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 5.04
Current ratio from 1.70 to 5.04; short-term debt falls from €26k to €21k.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Liège · 1 establishment unit since 2008
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 Bonne-Fortune 64000 LiègeGround area
5,083 m²
Building footprint
1,798 m²
Volume, LiDAR
20,793 m³
Parcel 62803A1536/00C000, Wallonia · tallest building 35.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
TRESOR SAINT-LAMBERT
since 20082.198.141.348
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62803A1536/00C000 ProtectedMonument · Site or landscape |
Wallonia | 5,083 m² | 1 · 1,798 m² | 35.7 m · 4 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).
Public money · subsidies and aid
Wallonia-Brussels Federation
2023 to 2025 · 12 entries · 83,840 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 9 | 46,890 EUR |
| 2024 | 1 | 29,750 EUR |
| 2023 | 2 | 7,200 EUR |
Budget allocations
Conventions et contrats programmes indexés dans le domaine des patrimoines culturels
Aides ponctuelles dans le domaine transversal
Aides ponctuelles dans le domaine des musiques
Similar companies · same sector, comparable size
ERFGOED NOORDERKEMPEN
BE 0863.327.714
Turnhout · Eq €401k
Monumentenwacht Vlaanderen
BE 0445.321.852
Antwerpen · Eq €412k
GHENT ARCHAEOLOGICAL TEAM
BE 0822.216.837
Bredene · Eq €377k
KARRENMUSEUM ESSEN
BE 0872.101.165
Essen · Eq €356k
BATAILLE DES ARDENNES
BE 0440.097.017
La Roche-en-Ardenne · Eq €352k
Of 275 companies in sector 91220 we hold annual accounts for 107. 85 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded23-10-1992
Fiscal year end31-12
Activities, NACEBEL
91030Libraries, archives, museums and other cultural activities
91220Libraries, archives, museums and other cultural activities
92520
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.