Foto Lama

Active

Private limited companyfounded 20242 yrs activeAmbachtenlaan 40, 3001 Leuven, BelgiumKBO/BCE: BE 1009.016.467

Foto Lama has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €4k. Its solvency ranks better than 88% of 1987 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2025

90 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability94

Solvency100

Growth-

Track record67

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity ample (current ratio 6.27; short-term debt: 11.3% and cash: 35.3% of total assets), and 11.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 90

Relative position

BE, all sectors

reference

Sector 90

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

88.7%

Return on assets

20.1%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 1 filing

Deviation from the deadline

2025

28 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€16k

Total assets

€17k

Net result

€4k

Working capital

€10k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €17k

29.0%

71.0%

Fixed assets €5k

Current assets €12k

Equity and liabilities €17k

88.7%

11%

Equity €16k

Debt €2k

Debt finances 11.3% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€5k

Cash flow

€4k

Solvency

88.7%

Current ratio

6.27

Quick ratio

6.27

Debt / equity

0.13

ROE

22.6%

ROA

20.1%

Interest coverage

40.85

Debt

€2k

Debt ≤ 1 year

€2k

Income taxes

€733

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€17k

Fixed assets21/28€5k

Tangible fixed assets22/27€5k

Plant, machinery and equipment23€771

Furniture and vehicles24€4k

Current assets29/58€12k

Amounts receivable within one year40/41€6k

Trade receivables40€3k

Other amounts receivable41€3k

Cash at bank and in hand54/58€6k

Equity and liabilities

Total equity and liabilities10/49€17k

Equity10/15€16k

Contributions10/11€12k

Reserves13€4k

Distributable reserves133€4k

Amounts payable17/49€2k

Amounts payable within one year42/48€2k

Taxes, remuneration and social security45€2k

Taxes450/3€2k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€726

Gross operating margin9900€5k

Operating profit (loss)9901€4k

Financial income75/76B€2

Recurring financial income75€2

Financial charges65/66B€125

Recurring financial charges65€125

Profit (loss) for the period before taxes9903€4k

Income taxes67/77€733

Profit (loss) for the period9904€4k

Profit (loss) for the period to be appropriated9905€4k

Appropriation of the result

Profit (loss) to be appropriated9906€4k

Transfer to equity691/2€4k

To other reserves6921€4k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Gazette 1Filings 1

2026

07-09

State Gazette act Resignations & appointments

General meeting · Director resignation2 facts ▸

General meeting, 2026-08-27
Director resignation, Martijn Sermeus (bestuurder)

28-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 28 days late

State Gazette actNBB filing

Directors · office · real estate

Directors

no sitting director, no change since 2026

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

27-08-2026 Resigned as Director

Location & real-estate footprint

Registered office, Leuven · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Ambachtenlaan 403001 Leuven

Ground area

4,603 m²

Building footprint

2,046 m²

Volume, LiDAR