Cycles Lampo
ActiveSummary
Cycles Lampo has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €310k and a net result of €77k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 28% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▲+19
Solvency47▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 1.33 in 2024; short-term debt: 19.6% and cash: 1.5% of total assets), and 77.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
22.1%
Return on assets
5.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
33 d early
2022
31 d late
2021
29 d late
2020
11 d late
2019
90 d late
← 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 monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€310k▲ 17.0%
2024 · €265k
2018: €7klowest in 8 years
2019: €58k▲ +764% vs 2018
2020: €209k▲ +262% vs 2019
2021: €210k▲ +0.7% vs 2020
2022: €333k▲ +58.3% vs 2021
2023: €456k▲ +37.1% vs 2022highest in 8 years
2024: €265k▼ -42.0% vs 2023
2025: €310k▲ +17.0% vs 2024
2018 → 2025
Total assets
€1.40M▼ 5.8%
2024 · €1.49M
2018: €222klowest in 8 years
2019: €264k▲ +18.6% vs 2018
2020: €398k▲ +51.0% vs 2019
2021: €1.52M▲ +283% vs 2020
2022: €1.57M▲ +3.3% vs 2021
2023: €1.70M▲ +7.8% vs 2022highest in 8 years
2024: €1.49M▼ -12.3% vs 2023
2025: €1.40M▼ -5.8% vs 2024
2018 → 2025
Net result
€77k▲ 77.0%
2024 · €44k
2018: €12k
2019: €51k▲ +339% vs 2018
2020: €151k▲ +196% vs 2019highest in 8 years
2021: €1k▼ -99.0% vs 2020lowest in 8 years
2022: €110k▲ +7543% vs 2021
2023: €123k▲ +11.9% vs 2022
2024: €44k▼ -64.7% vs 2023
2025: €77k▲ +77.0% vs 2024
2018 → 2025
Working capital
€92k▼ 12.5%
2024 · €105k
2018: €-62klowest in 8 years
2019: €50k▲ +180% vs 2018
2020: €201k▲ +301% vs 2019highest in 8 years
2021: €-5k▼ -103% vs 2020
2022: €75k▲ +1506% vs 2021
2023: €177k▲ +136% vs 2022
2024: €105k▼ -40.4% vs 2023
2025: €92k▼ -12.5% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€210k-€333k▲ 58.3%€456k▲ 37.1%€265k▼ 42.0%€310k▲ 17.0%
2021: €210klowest in 5 years
2022: €333k▲ +58.3% vs 2021
2023: €456k▲ +37.1% vs 2022highest in 5 years
2024: €265k▼ -42.0% vs 2023
2025: €310k▲ +17.0% vs 2024
Operating result€3k-€154k▲ 5,810%€186k▲ 20.3%€75k▼ 59.6%€133k▲ 76.4%
2021: €3klowest in 5 years
2022: €154k▲ +5810% vs 2021
2023: €186k▲ +20.3% vs 2022highest in 5 years
2024: €75k▼ -59.6% vs 2023
2025: €133k▲ +76.4% vs 2024
Net result€1k-€110k▲ 7,543%€123k▲ 11.9%€44k▼ 64.7%€77k▲ 77.0%
2021: €1klowest in 5 years
2022: €110k▲ +7543% vs 2021
2023: €123k▲ +11.9% vs 2022highest in 5 years
2024: €44k▼ -64.7% vs 2023
2025: €77k▲ +77.0% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 76% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.40M
Fixed assets
€1.03M ▼ 2.5%
Current assets
€367k ▼ 13.9%
Equity and liabilities €1.40M
Equity
€310k ▲ 17.0%
Debt
€1.09M ▼ 10.7%
Debt's share of the balance-sheet total falls from 82.2% to 77.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€170k▲
2024 · €113k
Cash flow
€115k▲
2024 · €81k
Current ratio
1.34▲
2024 · 1.33
Quick ratio
0.16▲
2024 · 0.11
Debt to equity
3.52▼
2024 · 4.62
ROE
24.9%▲
2024 · 16.4%
ROA
5.5%▲
2024 · 2.9%
Interest coverage
8.08▲
2024 · 4.16
Debt ≤ 1 year
€274k▼
2024 · €320k
Debt > 1 year
€816k▼
2024 · €901k
Income taxes
€42k▲
2024 · €15k
Staff costs
€245k▲
2024 · €194k
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 · 62 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.49M€1.40M▼
Fixed assets21/28€1.06M€1.03M▼
Tangible fixed assets22/27€1.06M€1.03M▼
Land and buildings22€1.04M€1.02M▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€7k€5k▼
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€1k€5k▲
Current assets29/58€426k€367k▼
Stocks and contracts in progress3€390k€324k▼
Stocks30/36€390k€324k▼
Amounts receivable within one year40/41€6k€6k▼
Trade receivables40€6k€566▼
Other amounts receivable41€140€5k▲
Cash at bank and in hand54/58€18k€20k▲
Deferred charges and accrued income490/1€12k€17k▲
Equity and liabilities
Total equity and liabilities10/49€1.49M€1.40M▼
Equity10/15€265k€310k▲
Contributions10/11€19k€19k=
Reserves13€246k€291k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€246k€291k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.22M€1.09M▼
Amounts payable after more than one year17€901k€816k▼
Financial debts170/4€901k€816k▼
Amounts payable within one year42/48€320k€274k▼
Current portion of amounts payable after more than one year42€96k€95k▼
Financial debts43€50k€30k▼
Credit institutions430/8€50k€30k▼
Trade debts44€86k€52k▼
Suppliers440/4€86k€52k▼
Advances received on contracts in progress46€12k€451▼
Taxes, remuneration and social security45€71k€65k▼
Taxes450/3€57k€44k▼
Remuneration and social security454/9€14k€22k▲
Other amounts payable47/48€6k€32k▲
Accrued charges and deferred income492/3€639€112▼
Income statement
Code20242025
Non-recurring operating income76A€14k€22k▲
Remuneration, social security and pensions62€194k€245k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€38k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€0▼
Other operating charges640/8€8k€10k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€318k€426k▲
Operating profit (loss)9901€75k€133k▲
Financial income75/76B€10k€7k▼
Recurring financial income75€10k€7k▼
Financial charges65/66B€27k€21k▼
Recurring financial charges65€27k€21k▼
Profit (loss) for the period before taxes9903€58k€119k▲
Income taxes67/77€15k€42k▲
Profit (loss) for the period9904€44k€77k▲
Profit (loss) for the period to be appropriated9905€44k€77k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€77k▲
Transfer from equity791/2€235k€32k▼
Transfer to equity691/2€44k€77k▲
To other reserves6921€44k€77k▲
Profit to be distributed694/7€235k€32k▼
Return on contributions (dividend)694€235k€32k▼
Social balance
Average headcount (FTE)90873.54.2▲
The notes to these accounts (24 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | - | - | €14k | €22k | ▲ 50.8% |
| Remuneration, social security and pensions62 | €112k | €135k | €163k | €194k | €245k | ▲ 26.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €156k | €62k | €41k | €38k | €38k | ▲ 0.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €171 | €1k | €-2k | €3k | €0 | ▼ 100% |
| Other operating charges640/8 | €7k | €8k | €9k | €8k | €10k | ▲ 20.0% |
| Non-recurring operating charges66A | - | - | €7k | €0 | - | - |
| Gross operating margin9900 | €278k | €361k | €403k | €318k | €426k | ▲ 33.8% |
| Operating profit (loss)9901 | €3k | €154k | €186k | €75k | €133k | ▲ 76.4% |
| Financial income75/76B | €13k | €13k | €10k | €10k | €7k | ▼ 27.6% |
| Recurring financial income75 | €13k | €13k | €10k | €10k | €7k | ▼ 27.6% |
| Financial charges65/66B | €14k | €16k | €25k | €27k | €21k | ▼ 22.1% |
| Recurring financial charges65 | €14k | €16k | €25k | €27k | €21k | ▼ 22.1% |
| Profit (loss) for the period before taxes9903 | €2k | €151k | €171k | €58k | €119k | ▲ 104% |
| Income taxes67/77 | €731 | €40k | €48k | €15k | €42k | ▲ 182% |
| Profit (loss) for the period9904 | €1k | €110k | €123k | €44k | €77k | ▲ 77.0% |
| Profit (loss) for the period to be appropriated9905 | €1k | €110k | €123k | €44k | €77k | ▲ 77.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.52M | €1.57M | €1.70M | €1.49M | €1.40M | ▼ 5.8% |
| Fixed assets21/28 | €1.17M | €1.20M | €1.17M | €1.06M | €1.03M | ▼ 2.5% |
| Tangible fixed assets22/27 | €1.16M | €1.20M | €1.16M | €1.06M | €1.03M | ▼ 2.9% |
| Land and buildings22 | €1.13M | €1.17M | €1.14M | €1.04M | €1.02M | ▼ 2.5% |
| Plant, machinery and equipment23 | €7k | €8k | €5k | €4k | €2k | ▼ 43.6% |
| Furniture and vehicles24 | €22k | €14k | €11k | €7k | €5k | ▼ 25.5% |
| Other tangible fixed assets26 | €8k | €7k | €6k | €4k | €3k | ▼ 28.6% |
| Financial fixed assets28 | €3k | €1k | €3k | €1k | €5k | ▲ 276% |
| Current assets29/58 | €356k | €369k | €528k | €426k | €367k | ▼ 13.9% |
| Stocks and contracts in progress3 | €279k | €313k | €461k | €390k | €324k | ▼ 16.9% |
| Stocks30/36 | €279k | €313k | €461k | €390k | €324k | ▼ 16.9% |
| Amounts receivable within one year40/41 | €37k | €29k | €21k | €6k | €6k | ▼ 8.3% |
| Trade receivables40 | €22k | €23k | €21k | €6k | €566 | ▼ 90.5% |
| Other amounts receivable41 | €15k | €5k | €235 | €140 | €5k | ▲ 3,484% |
| Cash at bank and in hand54/58 | €35k | €23k | €38k | €18k | €20k | ▲ 15.4% |
| Deferred charges and accrued income490/1 | €5k | €4k | €9k | €12k | €17k | ▲ 38.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.52M | €1.57M | €1.70M | €1.49M | €1.40M | ▼ 5.8% |
| Equity10/15 | €210k | €333k | €456k | €265k | €310k | ▲ 17.0% |
| Contributions10/11 | €6k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €204k | €314k | €438k | €246k | €291k | ▲ 18.3% |
| Non-distributable reserves130/1 | €24 | €24 | €24 | €0 | - | - |
| Reserves not available under the articles1311 | €24 | €24 | €24 | €0 | - | - |
| Distributable reserves133 | €204k | €314k | €438k | €246k | €291k | ▲ 18.3% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €1.31M | €1.24M | €1.24M | €1.22M | €1.09M | ▼ 10.7% |
| Amounts payable after more than one year17 | €951k | €946k | €887k | €901k | €816k | ▼ 9.4% |
| Financial debts170/4 | €951k | €946k | €887k | €901k | €816k | ▼ 9.4% |
| Amounts payable within one year42/48 | €361k | €294k | €352k | €320k | €274k | ▼ 14.3% |
| Current portion of amounts payable after more than one year42 | €59k | €67k | €64k | €96k | €95k | ▼ 1.1% |
| Financial debts43 | €120k | €57k | €65k | €50k | €30k | ▼ 40.0% |
| Credit institutions430/8 | €120k | €57k | €65k | €50k | €30k | ▼ 40.0% |
| Trade debts44 | €75k | €46k | €101k | €86k | €52k | ▼ 39.6% |
| Suppliers440/4 | €75k | €46k | €101k | €86k | €52k | ▼ 39.6% |
| Advances received on contracts in progress46 | €8k | €8k | €8k | €12k | €451 | ▼ 96.2% |
| Taxes, remuneration and social security45 | €29k | €49k | €75k | €71k | €65k | ▼ 8.2% |
| Taxes450/3 | €27k | €31k | €52k | €57k | €44k | ▼ 23.4% |
| Remuneration and social security454/9 | €2k | €18k | €23k | €14k | €22k | ▲ 54.2% |
| Other amounts payable47/48 | €71k | €66k | €38k | €6k | €32k | ▲ 474% |
| Accrued charges and deferred income492/3 | €0 | - | - | €639 | €112 | ▼ 82.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1k | €110k | €123k | €44k | €77k | ▲ 77.0% |
| + Depreciation and write-downs630 | €156k | €62k | €41k | €38k | €38k | ▲ 0.6% |
| Operating cash flow (approximation) | €157k | €172k | €164k | €81k | €115k | ▲ 41.6% |
| Investment in fixed assets (approximation) | - | €-99k | €-4k | €69k | €-11k | ▼ 116% |
| Change in cash | - | €-12k | €15k | €-20k | €3k | ▲ 113% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €1k ▼99%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Highest result since 2018net €151k ▲196%
Operating result €193k, net result €151k, both a record.
31-12
Financial
Equity above €200kEq €209k ▲262%
3 profitable years in a row build equity to €209k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
27-07
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Knokke-Heist · 1 establishment unit since 2015
Ground area
447 m²
Building footprint
414 m²
Volume, LiDAR
4,922 m³
Parcel 31334B0366/00A000, Flanders · tallest building 20.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Cycles Lampo
since 20152.239.627.753
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31334B0366/00A000 | Flanders | 446 m² | 1 · 414 m² | 20.1 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Dual-learning approval
3 endedFietshersteller (vwo)
Fietshersteller duaal (so)
Fietsmecanicien (so)
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Of 207 companies in sector 46495 we hold annual accounts for 108. 83 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
46495Wholesale trade
47632Retail sale of bicycles
47830Retail sale of motorcycles and motorcycle parts and accessories
70200Business and other management consultancy
95290Repair and maintenance of other personal and household goods
Scores and ratios are computed by Checked and are not a credit decision.