JACQUES LALMAND
ActiveThe computed 12-month bankruptcy probability of JACQUES LALMAND is 2.6% (moderate). The 2025 annual accounts show equity of €309k and a net result of €142k. Equity is growing by ~71.1% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.4 against 2.25 in 2024; short-term debt: 15.8% and cash: 35.5% of total assets), and 16.7% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
83.3%
Return on assets
38.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-12-2025, 50 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
50 d early
2024
44 d early
2023
41 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€309k▲ 84.6%
2024 · €168k
2023: €71k
2024: €168k
2023 → 2025
Total assets
€371k▲ 47.4%
2024 · €252k
2023: €119k
2024: €252k
2023 → 2025
Net result
€142k▲ 46.9%
2024 · €97k
2023: €66k
2024: €97k
2023 → 2025
Working capital
€259k▲ 158%
2024 · €100k
2023: €22k
2024: €100k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€71k-€168k▲ 136%€309k▲ 84.6%
Operating result€98k-€140k▲ 43.1%€195k▲ 40.1%
Net result€66k-€97k▲ 46.1%€142k▲ 46.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €371k
Fixed assets
€54k▼ 25.1%
Current assets
€318k▲ 76.3%
Equity and liabilities €371k
Equity
€309k▲ 84.6%
Debt
€62k▼ 26.5%
The debt ratio falls from 33.5% to 16.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€213k▲
2024 · €155k
Cash flow
€160k▲
2024 · €112k
Solvency
83.3%▲
2024 · 66.5%
Current ratio
5.40▲
2024 · 2.25
Quick ratio
5.40▲
2024 · 2.25
Debt / equity
0.20▼
2024 · 0.50
ROE
45.8%▼
2024 · 57.6%
ROA
38.2%▼
2024 · 38.3%
Interest coverage
61.47▲
2024 · 32.64
Debt
€62k▼
2024 · €84k
Debt ≤ 1 year
€59k▼
2024 · €80k
Income taxes
€61k▲
2024 · €39k
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€252k€371k▲
Fixed assets21/28€72k€54k▼
Tangible fixed assets22/27€72k€54k▼
Plant, machinery and equipment23€582€232▼
Furniture and vehicles24€71k€54k▼
Current assets29/58€180k€318k▲
Amounts receivable within one year40/41€35k€72▼
Other amounts receivable41€35k€72▼
Current investments50/53€115k€184k▲
Cash at bank and in hand54/58€28k€132k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€252k€371k▲
Equity10/15€168k€309k▲
Contributions10/11€5k€5k=
Reserves13€163k€304k▲
Distributable reserves133€163k€304k▲
Amounts payable17/49€84k€62k▼
Amounts payable within one year42/48€80k€59k▼
Trade debts44€340-
Suppliers440/4€340-
Taxes, remuneration and social security45€39k€23k▼
Taxes450/3€39k€23k▼
Other amounts payable47/48€41k€36k▼
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€18k▲
Other operating charges640/8€180€180=
Gross operating margin9900€155k€214k▲
Operating profit (loss)9901€140k€195k▲
Financial income75/76B€1k€11k▲
Recurring financial income75€1k€11k▲
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€136k€202k▲
Income taxes67/77€39k€61k▲
Profit (loss) for the period9904€97k€142k▲
Profit (loss) for the period to be appropriated9905€97k€142k▲
Appropriation of the result
Profit (loss) to be appropriated9906€97k€142k▲
Transfer to equity691/2€97k€142k▲
To other reserves6921€97k€142k▲
The notes to these accounts (5 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
2025
12-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2023net €142k ▲46.9%
Operating result €195k, net result €142k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 5.40
Current ratio from 2.25 to 5.40; short-term debt falls from €80k to €59k.
30-06
Financial
Equity above €200kEq €309k ▲84.6%
3 profitable years in a row build equity to €309k.
2024
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Equity above €150kEq €168k ▲136%
2 profitable years in a row build equity to €168k.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Seneffe
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.
Chaussée de Nivelles 1337181 SeneffeGround area
934 m²
Building footprint
307 m²
Parcel 52003B0377/00G000, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52003B0377/00G000 | Wallonia | 934 m² | 1 · 307 m² | - |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2022
Fiscal year end30-06
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.