VAN BORM LYDIA
ActiveVAN BORM LYDIA has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €147k and a net result of €13k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-2
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 17.12 against 23.52 in 2024; short-term debt: 5.8% and cash: 91% of total assets), and 5.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
94.2%
Return on assets
8.6%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
14 d early
2023
8 d late
2022
28 d late
2021
30 d late
2020
30 d early
2019
31 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€147k▼ 0.6%
2024 · €148k
2018: €68k
2019: €82k
2020: €99k
2021: €107k
2022: €115k
2023: €132k
2024: €148k
2018 → 2025
Total assets
€156k▲ 1.0%
2024 · €155k
2018: €78k
2019: €114k
2020: €128k
2021: €128k
2022: €132k
2023: €144k
2024: €155k
2018 → 2025
Net result
€13k▼ 14.3%
2024 · €16k
2018: €13k
2019: €14k
2020: €17k
2021: €8k
2022: €8k
2023: €17k
2024: €16k
2018 → 2025
Working capital
€146k▼ 0.9%
2024 · €147k
2018: €66k
2019: €59k
2020: €81k
2021: €92k
2022: €102k
2023: €124k
2024: €147k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€115k▲ 7.1%€132k▲ 15.2%€148k▲ 11.8%€147k▼ 0.6%
Operating result€13k-€12k▼ 8.2%€26k▲ 115%€23k▼ 12.1%€19k▼ 15.7%
Net result€8k-€8k▼ 6.8%€17k▲ 131%€16k▼ 10.6%€13k▼ 14.3%
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 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156k
Fixed assets
€1k▲ 40.9%
Current assets
€155k▲ 0.8%
Equity and liabilities €156k
Equity
€147k▼ 0.6%
Debt
€9k▲ 38.4%
The debt ratio rises from 4.2% to 5.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€20k▼
2024 · €30k
Cash flow
€14k▼
2024 · €23k
Solvency
94.2%▼
2024 · 95.8%
Current ratio
17.12▼
2024 · 23.52
Quick ratio
17.12▼
2024 · 23.52
Debt / equity
0.06▲
2024 · 0.04
ROE
9.1%▼
2024 · 10.6%
ROA
8.6%▼
2024 · 10.1%
Interest coverage
63.73▼
2024 · 81.10
Debt
€9k▲
2024 · €7k
Debt ≤ 1 year
€9k▲
2024 · €7k
Income taxes
€6k▼
2024 · €7k
Staff costs
€40
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€155k€156k▲
Fixed assets21/28€1k€1k▲
Tangible fixed assets22/27€1k€1k▲
Plant, machinery and equipment23-€841
Other tangible fixed assets26€1k€622▼
Current assets29/58€153k€155k▲
Amounts receivable within one year40/41€14k€12k▼
Trade receivables40€8k€8k▼
Other amounts receivable41€6k€4k▼
Cash at bank and in hand54/58€137k€142k▲
Deferred charges and accrued income490/1€2k€164▼
Equity and liabilities
Total equity and liabilities10/49€155k€156k▲
Equity10/15€148k€147k▼
Contributions10/11€12k€12k=
Reserves13€136k€135k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€134k€133k▼
Amounts payable17/49€7k€9k▲
Amounts payable within one year42/48€7k€9k▲
Trade debts44€539€3k▲
Suppliers440/4€539€3k▲
Taxes, remuneration and social security45€6k€6k▲
Taxes450/3€6k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€40
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€815▼
Other operating charges640/8€3k€674▼
Gross operating margin9900€33k€21k▼
Operating profit (loss)9901€23k€19k▼
Financial income75/76B€271€33▼
Recurring financial income75€271€33▼
Financial charges65/66B€369€316▼
Recurring financial charges65€369€316▼
Profit (loss) for the period before taxes9903€23k€19k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€16k€13k▼
Profit (loss) for the period to be appropriated9905€16k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€13k▼
Transfer from equity791/2-€14k
Transfer to equity691/2€16k€13k▼
To other reserves6921€16k€13k▼
Profit to be distributed694/7-€14k
Directors or managers695-€14k
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
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 23.52
Current ratio from 11.35 to 23.52; short-term debt falls from €12k to €7k.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Highest result since 2018net €17k ▲131%
Operating result €26k, net result €17k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €8k ▼6.8%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Equity above €100kEq €107k ▲8.2%
4 profitable years in a row build equity to €107k.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zemst · 1 establishment unit since 2013
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.
Cardijnstraat 351980 ZemstGround area
963 m²
Building footprint
168 m²
Volume, LiDAR
1,169 m³
Parcel 23020C0128/00S000, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Cardijnstraat 35, 1980 Zemst
since 20132.218.352.782
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23020C0128/00S000 | Flanders | 963 m² | 1 · 168 m² | 11.8 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 290 EUR awarded · 290 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 203 EUR | 203 EUR |
| 2023 | 1 | 87 EUR | 87 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,049 companies in sector 69101 we hold annual accounts for 9,048. 7,529 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2013
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.