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A&M Lommel

Active
Private limited companyfounded 200620 years activeGerard Mercatorstraat 1, 3920 Lommel, BelgiumKBO/BCE: BE 0881.374.464
Summary

A&M Lommel has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30,090 and a net result of €33,828. Equity is shrinking by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 13% of 4,922 sector peers (NACE 47, fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811
#10 employer in Lommel, Wholesale and retail trade sector2 sites
Size
€28.7mturnover 2025
Staff
21.2 FTE
Equity
€30,090
Profit
€33,828
Financial health
62 Healthy Checked score 2025
Bankruptcy probability, 12 months
1.3%
Structure
Parent
Holding A&M Group · 100%
Accounts 29 days early1 of 16 deeds read
Why 62- Equity €30,090 (0.9% of total assets)- Liquidity: current ratio 0.88, cash €7,872, halved- Sector Retail trade (NACE 47)+ Founded in 2006Show the evidence

Checked score

Score 2025
62 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 11% of its sector peers (NACE 47, small)
Financial strength · tick = 2024
Weak
Solvency 26-12
equity 0.9% of total assets
Liquidity 0-8
short-term debt 94.5% · cash 0.2%
Profitability 33+10
return on assets 1.0%
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,686 companies)
Last 24 months 11-2024: 0.7%lowest value 12-2024: 0.7%● unchanged vs 11-2024lowest value 01-2025: 0.7%● unchanged vs 12-2024lowest value 02-2025: 0.7%● unchanged vs 01-2025 03-2025: 0.8%▲ +0.1 percentage points vs 02-2025 04-2025: 0.8%● unchanged vs 03-2025 05-2025: 0.8%● unchanged vs 04-2025 06-2025: 0.8%● unchanged vs 05-2025 07-2025: 1.1%▲ +0.3 percentage points vs 06-2025 08-2025: 1.6%▲ +0.5 percentage points vs 07-2025highest value 09-2025: 1.2%▼ -0.4 percentage points vs 08-2025 10-2025: 1.2%● unchanged vs 09-2025 11-2025: 1.2%● unchanged vs 10-2025 12-2025: 1.2%● unchanged vs 11-2025 01-2026: 1.4%▲ +0.2 percentage points vs 12-2025 02-2026: 1.4%● unchanged vs 01-2026 03-2026: 1.4%● unchanged vs 02-2026 04-2026: 1.4%● unchanged vs 03-2026 05-2026: 1.4%● unchanged vs 04-2026 06-2026: 1.5%▲ +0.1 percentage points vs 05-2026 07-2026: 1.6%▲ +0.1 percentage points vs 06-2026 08-2026: 1.3%▼ -0.3 percentage points vs 07-2026 09-2026: 1.3%● unchanged vs 08-2026 10-2026: 1.3%● unchanged vs 09-2026
Credit up to €1,500 at 30 days acceptable
Liquidity short (current ratio 0.88 against 1.1 in 2024; short-term debt: 94.5% and cash: 0.2% of total assets), and 99.1% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small): better than 11% on solvency, 1% on liquidity, 18% on profitability and 15% on growth.

The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
−lowers risk+raises risk○neutral
raises risk · Equity €30,090 (0.9% of total assets)
NBB · annual accounts
raises risk · Liquidity: current ratio 0.88, cash €7,872, halved
NBB · annual accounts
lowers risk · Founded in 2006
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Sector Retail trade (NACE 47)
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 4922 sector peers (2025).
NBB · sector comparison
Position among 4922 sector peers
Solvency
better than 13%
← weakest strongest →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
29 days early
2024
on the day
2023
20 days early
2022
24 days early
2021
10 days late
2020
3 days early
2019
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 5 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 12 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Capital & shares · Statutes amendment…Permanent representatives: Peter Guelinckx and…
  3. Back to profitnet €33,828

Key points

  • Caution: Equity fell in 2025from €907,627 to €30,090 ▼ 96.7% View
  • Caution: Among the weakest 14% on solvencysector median 36.2% · 4,922 companies 0.9% View
  • Controlled by Holding A&M Groupultimately: AUTOMOTIVE & MOBILITY INVEST 100% View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

By topic

Financials

Fiscal year
2025
Turnover
€28.7m
Profit
€33,828
Solvency
0.9%
Turnover▼ 6.1%
Net result
20192025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 31-07-2025Annual accounts filed
  2. 31-12-2024Weakest financial year
  3. 11-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
17-05-2006
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
2
Annual meeting
Last Monday of June at 09:00
Purpose
Groothandel in nieuwe en gebruikte auto's voor personenvervoer, inclusief die voor…
Go to Articles of association

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