LAURENCE LAMBERT
ActiveLAURENCE LAMBERT has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-8k) and a net result of €1k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 14% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-2
Solvency0▼-4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.06 against 0.17 in 2024; short-term debt: 134.3% and cash: 8.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 dateAge against the risk zone
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-34.3%
Return on assets
4.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 18040 sector peers (2025).
NBB · sector comparisonPosition among 18040 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
23 d late
2023
23 d late
2022
28 d late
2021
11 d early
2020
31 d late
2019
61 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-8k▲ 10.9%
2024 · €-9k
2018: €6k
2019: €-22k
2020: €-22k
2021: €-20k
2022: €-15k
2023: €-12k
2024: €-9k
2018 → 2025
Total assets
€24k▼ 46.3%
2024 · €45k
2018: €223k
2019: €144k
2020: €125k
2021: €107k
2022: €89k
2023: €67k
2024: €45k
2018 → 2025
Net result
€1k▼ 59.5%
2024 · €3k
2018: €-77k
2019: €-28k
2020: €200
2021: €2k
2022: €5k
2023: €3k
2024: €3k
2018 → 2025
Working capital
€-31k▲ 19.8%
2024 · €-38k
2018: €4k
2019: €-22k
2020: €-25k
2021: €-27k
2022: €-31k
2023: €-35k
2024: €-38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-20k-€-15k▲ 26.8%€-12k▲ 19.2%€-9k▲ 21.1%€-8k▲ 10.9%
Operating result€6k-€9k▲ 53.9%€6k▼ 32.5%€5k▼ 11.8%€2k▼ 70.2%
Net result€2k-€5k▲ 211%€3k▼ 47.8%€3k▼ 10.8%€1k▼ 59.5%
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 three years in a row; 2025 is 70% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24k
Fixed assets
€22k▼ 40.8%
Current assets
€2k▼ 73.9%
Key figures and ratios
EBITDA
€17k▼
2024 · €23k
Cash flow
€16k▼
2024 · €20k
Solvency
-34.3%▼
2024 · -20.6%
Current ratio
0.06▼
2024 · 0.17
Quick ratio
0.06▲
2024 · 0.02
Debt / equity
-3.92▲
2024 · -5.84
ROA
4.2%▼
2024 · 5.5%
Interest coverage
30.13▼
2024 · 35.64
Debt
€33k▼
2024 · €55k
Debt ≤ 1 year
€33k▼
2024 · €46k
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€45k€24k▼
Fixed assets21/28€38k€22k▼
Tangible fixed assets22/27€37k€22k▼
Land and buildings22€34k€22k▼
Other tangible fixed assets26€3k-
Financial fixed assets28€522€522=
Current assets29/58€8k€2k▼
Stocks and contracts in progress3€7k-
Stocks30/36€7k-
Cash at bank and in hand54/58€593€2k▲
Deferred charges and accrued income490/1€129-
Equity and liabilities
Total equity and liabilities10/49€45k€24k▼
Equity10/15€-9k€-8k▲
Contributions10/11€6k€6k=
Reserves13€145k€145k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€143k€143k=
Profit (loss) carried forward14€-160k€-159k▲
Amounts payable17/49€55k€33k▼
Amounts payable after more than one year17€9k-
Financial debts170/4€9k-
Amounts payable within one year42/48€46k€33k▼
Current portion of amounts payable after more than one year42€24k€9k▼
Trade debts44-€2k
Suppliers440/4-€2k
Other amounts payable47/48€22k€22k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€15k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€7k
Other operating charges640/8-€2k
Gross operating margin9900€23k€26k▲
Operating profit (loss)9901€5k€2k▼
Financial charges65/66B€638€562▼
Recurring financial charges65€638€562▼
Profit (loss) for the period before taxes9903€5k€1k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€3k€1k▼
Profit (loss) for the period to be appropriated9905€3k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-160k€-159k▲
Profit (loss) brought forward from the previous period14P€-163k€-160k▲
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Highest result since 2018net €5k ▲211%
Operating result €9k, net result €5k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €200
Net result €200 after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
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, Saint-Ghislain · 1 establishment unit since 1995
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 Grande(SG) 217330 Saint-GhislainGround area
459 m²
Building footprint
86 m²
Volume, LiDAR
971 m³
Parcel 53070B0399/00R000, Wallonia · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CITRONNELLE
since 19952.072.751.230
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53070B0399/00R000 | Wallonia | 459 m² | 1 · 86 m² | 14.5 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.
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LE CORVIER
BE 0447.163.070
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DAWUD
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SEA SUN & SKY INVEST
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Of 1,272 companies in sector 47512 we hold annual accounts for 581. 181 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-08-1995
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
47784Retail sale of souvenirs and religious articles
47786Retail trade
52497
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.