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LAMBERMONT ET FILS

Active
Public limited companyfounded 198936 yrs activeRue des Corettes SN, 6880 Bertrix, BelgiumKBO/BCE: BE 0439.131.074
Summary

LAMBERMONT ET FILS has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.66M and a net result of €-441k. Equity is shrinking by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 78% of 4178 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability7▲+7
Solvency90▼-3
Growth29▼-1
Track record100
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 1.77 against 1.88 in 2024; short-term debt: 35.1% and cash: 4.5% of total assets), and 35.1% of the assets are financed with debt.
Credit check for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 36 years 0 40 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
64.9%
Return on assets
-10.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year €-441k
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
11 d early
2024
13 d early
2023
6 d early
2022
12 d early
2021
12 d early
2020
11 d early
2019
16 d early
← before the deadline after the deadline →
Checked, nothing found (2)
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 months
Position in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
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

Financials · fiscal year 2025, full schema

Turnover
€8.96M▼ 6.8%
2024 · €9.61M
2018: €11.39M 2019: €12.18M▲ +7.0% vs 2018highest in 8 years 2020: €10.48M▼ -14.0% vs 2019 2021: €11.55M▲ +10.2% vs 2020 2022: €11.82M▲ +2.4% vs 2021 2023: €11.38M▼ -3.7% vs 2022 2024: €9.61M▼ -15.5% vs 2023 2025: €8.96M▼ -6.8% vs 2024lowest in 8 years
2018 → 2025
EBIT margin
-5.7%▲ 4.4pp
2024 · -10.0%
2018: -4.3% 2019: -3.1%▲ +26.4% vs 2018 2020: 5.6%▲ +279% vs 2019highest in 8 years 2021: 2.4%▼ -56.6% vs 2020 2022: -1.8%▼ -173% vs 2021 2023: -1.3%▲ +26.2% vs 2022 2024: -10.0%▼ -661% vs 2023lowest in 8 years 2025: -5.7%▲ +43.6% vs 2024
2018 → 2025
Net result
€-441k▲ 48.5%
2024 · €-855k
2018: €-414k 2019: €-193k▲ +53.4% vs 2018 2020: €697k▲ +461% vs 2019highest in 8 years 2021: €316k▼ -54.7% vs 2020 2022: €-92k▼ -129% vs 2021 2023: €-3k▲ +96.8% vs 2022 2024: €-855k▼ -29024% vs 2023lowest in 8 years 2025: €-441k▲ +48.5% vs 2024
2018 → 2025
Working capital
€1.11M▼ 15.2%
2024 · €1.31M
2018: €4.17M 2019: €3.92M▼ -5.9% vs 2018 2020: €4.48M▲ +14.4% vs 2019highest in 8 years 2021: €3.17M▼ -29.3% vs 2020 2022: €2.26M▼ -28.7% vs 2021 2023: €2.21M▼ -2.2% vs 2022 2024: €1.31M▼ -40.5% vs 2023 2025: €1.11M▼ -15.2% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Turnover€11.55M-€11.82M▲ 2.4%€11.38M▼ 3.7%€9.61M▼ 15.5%€8.96M▼ 6.8% 2021: €11.55M 2022: €11.82M▲ +2.4% vs 2021highest in 5 years 2023: €11.38M▼ -3.7% vs 2022 2024: €9.61M▼ -15.5% vs 2023 2025: €8.96M▼ -6.8% vs 2024lowest in 5 years
Equity€4.52M-€3.96M▼ 12.4%€3.96M▼ 0.1%€3.10M▼ 21.6%€2.66M▼ 14.2% 2021: €4.52Mhighest in 5 years 2022: €3.96M▼ -12.4% vs 2021 2023: €3.96M▼ -0.1% vs 2022 2024: €3.10M▼ -21.6% vs 2023 2025: €2.66M▼ -14.2% vs 2024lowest in 5 years
Operating result€282k-€-211k€-150k▲ 29.0%€-964k▼ 543%€-507k▲ 47.4% 2021: €282khighest in 5 years 2022: €-211k▼ -175% vs 2021 2023: €-150k▲ +29.0% vs 2022 2024: €-964k▼ -543% vs 2023lowest in 5 years 2025: €-507k▲ +47.4% vs 2024
Net result€316k-€-92k€-3k▲ 96.8%€-855k▼ 29,024%€-441k▲ 48.5% 2021: €316khighest in 5 years 2022: €-92k▼ -129% vs 2021 2023: €-3k▲ +96.8% vs 2022 2024: €-855k▼ -29024% vs 2023lowest in 5 years 2025: €-441k▲ +48.5% vs 2024
Result per fiscal year
Operating resultNet result
€-1.00M€-500k€0€500kOperating result 2021: €282k€282kNet result 2021: €316k€316kOperating result 2022: €-211k€-211kNet result 2022: €-92k€-92kOperating result 2023: €-150k€-150kNet result 2023: €-3k€-3kOperating result 2024: €-964k€-964kNet result 2024: €-855k€-855kOperating result 2025: €-507k€-507kNet result 2025: €-441k€-441k20212022202320242025€-1M€-750k€-500k€-250k€0Operating result 2023: €-150k€-150kNet result 2023: €-3k€-2.9kOperating result 2024: €-964k€-964kNet result 2024: €-855k€-855kOperating result 2025: €-507k€-507kNet result 2025: €-441k€-441k202320242025
The operating result stays negative: a loss of €507k in 2025 against €964k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.10M
Fixed assets €1.55M ▼ 13.5%
Current assets €2.55M ▼ 9.0%
Equity and liabilities €4.10M
Equity €2.66M ▼ 14.2%
Debt €1.44M ▼ 3.6%
Debt's share of the balance-sheet total rises from 32.5% to 35.1%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€-184k▲
2024 · €-598k
Cash flow
€-117k▲
2024 · €-489k
Current ratio
1.77▼
2024 · 1.88
Quick ratio
0.26▼
2024 · 0.42
Debt to equity
0.54▲
2024 · 0.48
ROE
-16.6%▲
2024 · -27.6%
ROA
-10.7%▲
2024 · -18.6%
Interest coverage
-6.91▲
2024 · -27.19
Debt ≤ 1 year
€1.44M▼
2024 · €1.49M
Income taxes
€822▲
2024 · €628
Staff costs
€2.04M▼
2024 · €2.18M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 81 lines
Balance sheet Code20242025
Assets
Total assets20/58€4.59M€4.10M▼
Fixed assets21/28€1.79M€1.55M▼
Intangible fixed assets21€26k€18k▼
Tangible fixed assets22/27€1.76M€1.53M▼
Land and buildings22€1.19M€1.05M▼
Plant, machinery and equipment23€352k€342k▼
Furniture and vehicles24€215k€133k▼
Financial fixed assets28€675€540▼
Other financial fixed assets284/8€675€540▼
Amounts receivable and cash guarantees285/8€675€540▼
Current assets29/58€2.81M€2.55M▼
Stocks and contracts in progress3€2.18M€2.17M▼
Stocks30/36€2.18M€2.17M▼
Goods purchased for resale34€2.18M€2.17M▼
Amounts receivable within one year40/41€260k€87k▼
Trade receivables40€65k€69k▲
Other amounts receivable41€195k€18k▼
Current investments50/53€96k€100k▲
Other investments51/53€96k€100k▲
Cash at bank and in hand54/58€264k€183k▼
Deferred charges and accrued income490/1€10k€11k▲
Equity and liabilities
Total equity and liabilities10/49€4.59M€4.10M▼
Equity10/15€3.10M€2.66M▼
Contributions10/11€2.55M€2.55M=
Capital10€2.50M€2.50M=
Issued capital100€2.50M€2.50M=
Outside capital11€49k€49k=
Share premium1100/10€49k€49k=
Reserves13€552k€250k▼
Non-distributable reserves130/1€250k€250k=
Legal reserve130€250k€250k=
Tax-exempt reserves132€0-
Distributable reserves133€302k€0▼
Profit (loss) carried forward14-€-138k
Provisions and deferred taxes16€0-
Deferred taxes168€0-
Amounts payable17/49€1.49M€1.44M▼
Amounts payable within one year42/48€1.49M€1.44M▼
Trade debts44€346k€476k▲
Suppliers440/4€346k€476k▲
Advances received on contracts in progress46€851k€706k▼
Taxes, remuneration and social security45€295k€257k▼
Taxes450/3€72k€64k▼
Remuneration and social security454/9€223k€193k▼
Accrued charges and deferred income492/3€774€0▼
Income statement Code20242025
Operating income70/76A€9.99M€9.51M▼
Turnover70€9.61M€8.96M▼
Other operating income74€379k€345k▼
Non-recurring operating income76A-€208k
Operating charges60/66A€10.96M€10.02M▼
Goods for resale, raw materials and consumables60€6.35M€5.72M▼
Purchases600/8€6.47M€5.72M▼
Change in stocks: decrease (increase)609€-117k€5k▲
Services and other goods61€1.86M€1.74M▼
Remuneration, social security and pensions62€2.18M€2.04M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€366k€323k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-891€0▲
Other operating charges640/8€196k€192k▼
Operating profit (loss)9901€-964k€-507k▲
Financial income75/76B€131k€94k▼
Recurring financial income75€131k€94k▼
Income from current assets751€29k€7k▼
Other financial income752/9€102k€87k▼
Financial charges65/66B€22k€27k▲
Recurring financial charges65€22k€27k▲
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€-5k€-4k▲
Other financial charges652/9€27k€31k▲
Profit (loss) for the period before taxes9903€-855k€-440k▲
Transfer from deferred taxes780€947€0▼
Income taxes67/77€628€822▲
Taxes670/3€628€822▲
Tax adjustments and reversals of tax provisions77€0-
Profit (loss) for the period9904€-855k€-441k▲
Transfer from tax-exempt reserves789€3k€0▼
Profit (loss) for the period to be appropriated9905€-852k€-441k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-852k€-441k▲
Transfer from equity791/2€852k€302k▼
From reserves792€852k€302k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)908735.331.5▼

The notes to these accounts (69 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement
Line20212022202320242025Change
Operating income70/76A€11.72M€11.97M€11.75M€9.99M€9.51M▼ 4.8%
Turnover70€11.55M€11.82M€11.38M€9.61M€8.96M▼ 6.8%
Other operating income74€174k€144k€367k€379k€345k▼ 8.9%
Non-recurring operating income76A€0€5k€0-€208k-
Operating charges60/66A€11.44M€12.18M€11.90M€10.96M€10.02M▼ 8.6%
Goods for resale, raw materials and consumables60€7.07M€7.53M€7.28M€6.35M€5.72M▼ 9.9%
Purchases600/8€7.34M€7.50M€6.96M€6.47M€5.72M▼ 11.6%
Change in stocks: decrease (increase)609€-270k€31k€326k€-117k€5k▲ 104%
Services and other goods61€1.69M€1.68M€1.64M€1.86M€1.74M▼ 6.5%
Remuneration, social security and pensions62€2.18M€2.45M€2.43M€2.18M€2.04M▼ 6.6%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€307k€324k€344k€366k€323k▼ 11.7%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0--€-891€0▲ 100%
Other operating charges640/8€190k€197k€202k€196k€192k▼ 2.1%
Non-recurring operating charges66A€3k€9k€0---
Operating profit (loss)9901€282k€-211k€-150k€-964k€-507k▲ 47.4%
Financial income75/76B€247k€229k€180k€131k€94k▼ 28.5%
Recurring financial income75€247k€229k€180k€131k€94k▼ 28.5%
Income from current assets751€47k€59k€22k€29k€7k▼ 75.5%
Other financial income752/9€200k€170k€158k€102k€87k▼ 15.0%
Financial charges65/66B€96k€102k€23k€22k€27k▲ 20.8%
Recurring financial charges65€96k€102k€23k€22k€27k▲ 20.8%
Debt charges650€66k€25k€0---
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€807€59k€-8k€-5k€-4k▲ 24.0%
Other financial charges652/9€29k€18k€30k€27k€31k▲ 12.2%
Profit (loss) for the period before taxes9903€432k€-84k€8k€-855k€-440k▲ 48.6%
Transfer from deferred taxes780€2k€2k€2k€947€0▼ 100%
Income taxes67/77€118k€9k€12k€628€822▲ 30.9%
Taxes670/3€118k€11k€15k€628€822▲ 30.9%
Tax adjustments and reversals of tax provisions77€0€2k€3k€0--
Profit (loss) for the period9904€316k€-92k€-3k€-855k€-441k▲ 48.5%
Transfer from tax-exempt reserves789€5k€5k€5k€3k€0▼ 100%
Profit (loss) for the period to be appropriated9905€320k€-87k€2k€-852k€-441k▲ 48.3%
Line20212022202320242025Change
Assets
Total assets20/58€7.66M€7.01M€5.40M€4.59M€4.10M▼ 10.8%
Fixed assets21/28€2.13M€2.00M€1.75M€1.79M€1.55M▼ 13.5%
Intangible fixed assets21€38k€37k€29k€26k€18k▼ 31.7%
Tangible fixed assets22/27€2.09M€1.96M€1.72M€1.76M€1.53M▼ 13.2%
Land and buildings22€1.85M€1.62M€1.41M€1.19M€1.05M▼ 11.7%
Plant, machinery and equipment23€52k€122k€128k€352k€342k▼ 3.0%
Furniture and vehicles24€188k€223k€184k€215k€133k▼ 38.3%
Financial fixed assets28€2k€810€675€675€540▼ 20.0%
Other financial fixed assets284/8€2k€810€675€675€540▼ 20.0%
Amounts receivable and cash guarantees285/8€2k€810€675€675€540▼ 20.0%
Current assets29/58€5.53M€5.01M€3.66M€2.81M€2.55M▼ 9.0%
Stocks and contracts in progress3€2.42M€2.39M€2.06M€2.18M€2.17M▼ 0.2%
Stocks30/36€2.42M€2.39M€2.06M€2.18M€2.17M▼ 0.2%
Goods purchased for resale34€2.42M€2.39M€2.06M€2.18M€2.17M▼ 0.2%
Amounts receivable within one year40/41€252k€415k€1.06M€260k€87k▼ 66.5%
Trade receivables40€169k€187k€93k€65k€69k▲ 5.2%
Other amounts receivable41€83k€227k€969k€195k€18k▼ 90.6%
Current investments50/53€2.12M€847k€91k€96k€100k▲ 4.2%
Other investments51/53€2.12M€847k€91k€96k€100k▲ 4.2%
Cash at bank and in hand54/58€695k€1.35M€360k€264k€183k▼ 30.6%
Deferred charges and accrued income490/1€40k€16k€85k€10k€11k▲ 2.1%
Equity and liabilities
Total equity and liabilities10/49€7.66M€7.01M€5.40M€4.59M€4.10M▼ 10.8%
Equity10/15€4.52M€3.96M€3.96M€3.10M€2.66M▼ 14.2%
Contributions10/11€2.55M€2.55M€2.55M€2.55M€2.55M=
Capital10€2.50M€2.50M€2.50M€2.50M€2.50M=
Issued capital100€2.50M€2.50M€2.50M€2.50M€2.50M=
Outside capital11€49k€49k€49k€49k€49k=
Share premium1100/10€49k€49k€49k€49k€49k=
Reserves13€1.97M€1.41M€1.41M€552k€250k▼ 54.7%
Non-distributable reserves130/1€250k€250k€250k€250k€250k=
Legal reserve130€250k€250k€250k€250k€250k=
Tax-exempt reserves132€87k€7k€3k€0--
Distributable reserves133€1.63M€1.15M€1.15M€302k€0▼ 100%
Profit (loss) carried forward14----€-138k-
Provisions and deferred taxes16€4k€2k€947€0--
Deferred taxes168€4k€2k€947€0--
Amounts payable17/49€3.13M€3.05M€1.45M€1.49M€1.44M▼ 3.6%
Amounts payable after more than one year17€775k€293k€0---
Financial debts170/4€775k€293k€0---
Other loans174€775k€293k€0---
Amounts payable within one year42/48€2.36M€2.75M€1.45M€1.49M€1.44M▼ 3.6%
Current portion of amounts payable after more than one year42€300k€300k€0---
Trade debts44€324k€404k€373k€346k€476k▲ 37.4%
Suppliers440/4€324k€404k€373k€346k€476k▲ 37.4%
Advances received on contracts in progress46€1.21M€988k€741k€851k€706k▼ 17.0%
Taxes, remuneration and social security45€422k€405k€335k€295k€257k▼ 12.9%
Taxes450/3€190k€142k€73k€72k€64k▼ 12.0%
Remuneration and social security454/9€233k€263k€262k€223k€193k▼ 13.2%
Other amounts payable47/48€100k€656k€0---
Accrued charges and deferred income492/3€66€6k€242€774€0▼ 100%
Line20212022202320242025Change
Profit (loss) for the period9904€316k€-92k€-3k€-855k€-441k▲ 48.5%
+ Depreciation and write-downs630€307k€324k€344k€366k€323k▼ 11.7%
Operating cash flow (approximation)€622k€232k€341k€-489k€-117k▲ 76.0%
Investment in fixed assets (approximation)-€-196k€-90k€-405k€-82k▲ 79.6%
Change in cash-€653k€-989k€-96k€-81k▲ 16.0%

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

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
20-07
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
18-07
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial Weakest financial yearnet €-855k
Net result drops to €-855k, the lowest in the series; recovery starts the following year.
25-07
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
19-07
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
19-07
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
20-07
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial Back to profitnet €697k
Net result €697k after 2 loss-making years.
15-07
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
11-07
NBB filing Annual accounts filed
fiscal year 2018 · full schema
2018
29-06
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2017
22-06
NBB filing Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts

We know of 12 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
12 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, Bertrix · 1 establishment unit since 1989
seat establishment approximate The establishment unit on the map
Ground area
4,417 m²
Building footprint
2,552 m²
Volume, LiDAR
10,434 m³
Parcel 84009B0264/00C000, Wallonia · tallest building 11.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Crack Bertrix
Rue des Corettes sn, 6880 BertrixNACE 52441
since 19892.046.229.450
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
84009B0264/00C000indicative Wallonia 4,417 m² 1 · 2,552 m² 11.4 m · 1 fl.
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Ownership & control

1 parent company
Control over this companyparent company per the LEI register1
Wervik · LEI lapsed
controls
LAMBERMONT ET FILSBE 0439.131.074

Recognitions · licences · registrations

Legal Entity Identifier

967600EEZKVT8XOAK825
live in the LEI register

Similar companies · same sector, comparable size

Of 2,607 companies in sector 47551 we hold annual accounts for 1,716. 654 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded20-12-1989
Fiscal year end31-12
Trade name FR Crack Bertrix
Trade name NL Crack Bertrix
Activities, NACEBEL 2025
47551Retail sale of household furniture
47540Retail sale of electrical household appliances

Scores and ratios are computed by Checked and are not a credit decision.