BOUWONDERNEMING LAMERS
ActiveBOUWONDERNEMING LAMERS has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.46M and a net result of €776k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 67% of 830 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+9
Solvency75▲+11
Growth53▲+5
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 2.2 in 2024; short-term debt: 27.6% and cash: 2.1% of total assets), but 50.4% 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
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
49.6%
Return on assets
5.2%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
34 d early
2023
20 d early
2022
29 d late
2021
29 d late
2020
31 d late
2019
17 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€27.65M▲ 37.1%
2024 · €20.17M
2018: €18.40M
2019: €21.76M
2020: €13.93M
2021: €14.49M
2022: €28.33M
2023: €20.39M
2024: €20.17M
2018 → 2025
EBIT margin
4.6%▲ 0.9pp
2024 · 3.6%
2018: 7.1%
2019: -0.5%
2020: -0.3%
2021: -0.7%
2022: 5.2%
2023: 5.3%
2024: 3.6%
2018 → 2025
Net result
€776k▲ 59.7%
2024 · €486k
2018: €997k
2019: €28k
2020: €34k
2021: €38k
2022: €1.14M
2023: €856k
2024: €486k
2018 → 2025
Working capital
€6.59M▼ 3.7%
2024 · €6.85M
2018: €3.00M
2019: €3.47M
2020: €3.53M
2021: €3.49M
2022: €4.14M
2023: €6.04M
2024: €6.85M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€14.49M-€28.33M▲ 95.5%€20.39M▼ 28.0%€20.17M▼ 1.1%€27.65M▲ 37.1%
Equity€4.55M-€5.34M▲ 17.3%€6.20M▲ 16.0%€6.68M▲ 7.8%€7.46M▲ 11.6%
Operating result€-108k-€1.47M€1.08M▼ 26.2%€731k▼ 32.5%€1.26M▲ 72.5%
Net result€38k-€1.14M▲ 2,880%€856k▼ 25.3%€486k▼ 43.2%€776k▲ 59.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 72% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15.04M
Fixed assets
€4.30M▼ 6.8%
Current assets
€10.74M▼ 14.5%
Equity and liabilities €15.04M
Equity
€7.46M▲ 11.6%
Provisions
€95k
Debt
€7.48M▼ 28.7%
The debt ratio falls from 61.1% to 49.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.71M▲
2024 · €1.10M
Cash flow
€1.23M▲
2024 · €858k
Solvency
49.6%▲
2024 · 38.9%
Current ratio
2.59▲
2024 · 2.20
Quick ratio
1.34▲
2024 · 0.99
Debt / equity
1.00▼
2024 · 1.57
ROE
10.4%▲
2024 · 7.3%
ROA
5.2%▲
2024 · 2.8%
Interest coverage
6.53▲
2024 · 4.84
Debt
€7.48M▼
2024 · €10.49M
Debt ≤ 1 year
€4.15M▼
2024 · €5.71M
Debt > 1 year
€3.34M▼
2024 · €4.78M
Income taxes
€258k▲
2024 · €163k
Staff costs
€2.82M▲
2024 · €2.80M
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€17.17M€15.04M▼
Fixed assets21/28€4.61M€4.30M▼
Intangible fixed assets21€45k€12k▼
Tangible fixed assets22/27€4.03M€3.75M▼
Land and buildings22€3.01M€2.93M▼
Plant, machinery and equipment23€285k€229k▼
Furniture and vehicles24€737k€594k▼
Assets under construction and advance payments27€0-
Financial fixed assets28€536k€533k▼
Affiliated companies280/1€200k€200k=
Participating interests280€200k€200k=
Other financial fixed assets284/8€336k€333k▼
Amounts receivable and cash guarantees285/8€336k€333k▼
Current assets29/58€12.56M€10.74M▼
Amounts receivable after more than one year29€2.35M€1.61M▼
Other amounts receivable291€2.35M€1.61M▼
Stocks and contracts in progress3€6.92M€5.20M▼
Stocks30/36€6.92M€39k▼
Raw materials and consumables30/31€41k€39k▼
Work in progress32€6.88M€0▼
Contracts in progress37-€5.16M
Amounts receivable within one year40/41€2.83M€3.57M▲
Trade receivables40€2.57M€3.36M▲
Other amounts receivable41€261k€211k▼
Cash at bank and in hand54/58€425k€316k▼
Deferred charges and accrued income490/1€33k€42k▲
Equity and liabilities
Total equity and liabilities10/49€17.17M€15.04M▼
Equity10/15€6.68M€7.46M▲
Contributions10/11€372k€372k=
Capital10€372k€372k=
Issued capital100€372k€372k=
Reserves13€6.31M€7.09M▲
Non-distributable reserves130/1€37k€37k=
Legal reserve130€37k€37k=
Distributable reserves133€6.27M€7.05M▲
Provisions and deferred taxes16-€95k
Provisions for liabilities and charges160/5-€95k
Other liabilities and charges164/5-€95k
Amounts payable17/49€10.49M€7.48M▼
Amounts payable after more than one year17€4.78M€3.34M▼
Financial debts170/4€4.22M€3.34M▼
Credit institutions173€2.66M€2.43M▼
Other loans174€1.57M€907k▼
Other amounts payable178/9€556k€0▼
Amounts payable within one year42/48€5.71M€4.15M▼
Current portion of amounts payable after more than one year42€649k€887k▲
Financial debts43€1.00M€0▼
Credit institutions430/8€1.00M€0▼
Trade debts44€3.70M€3.00M▼
Suppliers440/4€3.70M€3.00M▼
Taxes, remuneration and social security45€358k€256k▼
Taxes450/3€92k€62k▼
Remuneration and social security454/9€266k€194k▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3-€818
Income statement
Code20242025
Operating income70/76A€26.67M€26.26M▼
Turnover70€20.17M€27.65M▲
Change in stocks of work in progress, finished goods and contracts in progress71€4.29M€-1.71M▼
Own construction capitalised72€2.01M€69k▼
Other operating income74€187k€244k▲
Non-recurring operating income76A€12k€8k▼
Operating charges60/66A€25.94M€25.00M▼
Goods for resale, raw materials and consumables60€21.62M€20.48M▼
Purchases600/8€21.62M€20.48M▼
Change in stocks: decrease (increase)609€3k€2k▼
Services and other goods61€1.11M€1.09M▼
Remuneration, social security and pensions62€2.80M€2.82M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€372k€453k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€95k
Other operating charges640/8€32k€30k▼
Non-recurring operating charges66A€4k€28k▲
Operating profit (loss)9901€731k€1.26M▲
Financial income75/76B€158k€68k▼
Recurring financial income75€158k€68k▼
Income from current assets751€143k€56k▼
Other financial income752/9€15k€12k▼
Financial charges65/66B€240k€295k▲
Recurring financial charges65€240k€273k▲
Debt charges650€228k€262k▲
Other financial charges652/9€12k€10k▼
Non-recurring financial charges66B-€22k
Profit (loss) for the period before taxes9903€649k€1.03M▲
Income taxes67/77€163k€258k▲
Taxes670/3€163k€258k▲
Profit (loss) for the period9904€486k€776k▲
Profit (loss) for the period to be appropriated9905€486k€776k▲
Appropriation of the result
Profit (loss) to be appropriated9906€486k€776k▲
Transfer to equity691/2€486k€776k▲
To other reserves6921€486k€776k▲
Social balance
Average headcount (FTE)908751.548.3▼
The notes to these accounts (93 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €1.14M ▲2880%
Operating result €1.47M, net result €1.14M, both a record.
31-12
Financial
Equity above €5MEq €5.34M ▲17.3%
5 profitable years in a row build equity to €5.34M.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €28k ▼97.2%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-07
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.
Directors · office · real estate
Directors
10 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, Hamont-Achel · 1 establishment unit since 1976
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.
Bosstraat 189A3930 Hamont-AchelGround area
5,844 m²
Building footprint
3,199 m²
Volume, LiDAR
23,884 m³
2 parcels, Flanders · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BOUWONDERNEMING LAMERS
since 19762.012.841.456
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72012D0512/00H008 | Flanders | 5,060 m² | 1 · 2,415 m² | 9.6 m · 3 fl. |
| 72012D0512/00D008 | Flanders | 784 m² | 1 · 784 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 19 entries · 141,748 EUR awarded · 112,014 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 6 | 46,468 EUR | 66,504 EUR |
| 2024 | 3 | 10,500 EUR | 10,675 EUR |
| 2023 | 6 | 69,777 EUR | 21,456 EUR |
| 2022 | 4 | 15,003 EUR | 13,379 EUR |
Schemes
Ecologiepremie+
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
Show 3 more
Premie kwalificerend werkplekleren
Vlaams opleidingsverlof (VOV)
Stagebonus (stopgezet)
Recognitions · licences · registrations
Recognised contractor
12 categoriesBOUWONDERNEMING LAMERS NV04451
Dual-learning approval
4 live approvals · 3 endedMedewerker ruwbouw (vwo)
Medewerker ruwbouw duaal (so)
Metselaar (vwo)
Ruwbouw duaal (so)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 1,353 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-10-1976
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43320Joinery installation
45421
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.