GARAGE LAMPECCO
ActiveGARAGE LAMPECCO has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.45M and a net result of €56k. Equity is shrinking by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 4123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+20
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 6.81 against 5.51 in 2024; short-term debt: 9.4% and cash: 16.3% of total assets), and 12.9% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
87.1%
Return on assets
3.3%
Age of the figures
12 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 15-05-2026, 15 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
15 d late
2024
1 d early
2023
33 d early
2022
31 d early
2021
32 d early
2020
39 d early
2019
26 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€56k
2024 · €-76k
2018: €2.13M
2019: €7k
2020: €-15k
2021: €11k
2022: €-87k
2023: €-78k
2024: €-76k
2018 → 2025
Working capital
€916k▲ 10.1%
2024 · €832k
2018: €738k
2019: €787k
2020: €848k
2021: €894k
2022: €871k
2023: €847k
2024: €832k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.64M-€1.55M▼ 5.3%€1.47M▼ 5.0%€1.40M▼ 5.1%€1.45M▲ 4.0%
Operating result€15k-€-83k€-76k▲ 8.7%€-75k▲ 1.4%€74k
Net result€11k-€-87k€-78k▲ 10.3%€-76k▲ 2.8%€56k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €74k after a loss of €75k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.67M
Fixed assets
€597k▼ 9.7%
Current assets
€1.07M▲ 5.6%
Equity and liabilities €1.67M
Equity
€1.45M▲ 4.0%
Debt
€216k▼ 22.7%
The debt ratio falls from 16.6% to 12.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€158k▲
2024 · €20k
Cash flow
€140k▲
2024 · €19k
Solvency
87.1%▲
2024 · 83.4%
Current ratio
6.81▲
2024 · 5.51
Quick ratio
1.98▼
2024 · 2.48
Debt / equity
0.15▼
2024 · 0.20
ROE
3.8%▲
2024 · -5.4%
ROA
3.3%▲
2024 · -4.5%
Interest coverage
24.76▲
2024 · 4.82
Debt
€216k▼
2024 · €279k
Debt ≤ 1 year
€158k▼
2024 · €185k
Debt > 1 year
€58k▼
2024 · €95k
Staff costs
€315k▲
2024 · €314k
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€1.68M€1.67M▼
Fixed assets21/28€661k€597k▼
Tangible fixed assets22/27€661k€597k▼
Land and buildings22€653k€591k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€1k€2k▲
Assets under construction and advance payments27€1k-
Current assets29/58€1.02M€1.07M▲
Stocks and contracts in progress3€559k€761k▲
Stocks30/36€559k€761k▲
Amounts receivable within one year40/41€103k€39k▼
Trade receivables40€103k€39k▼
Other amounts receivable41€172€213▲
Cash at bank and in hand54/58€355k€273k▼
Equity and liabilities
Total equity and liabilities10/49€1.68M€1.67M▼
Equity10/15€1.40M€1.45M▲
Contributions10/11€25k€25k=
Reserves13€511k€511k=
Distributable reserves133€511k€511k=
Profit (loss) carried forward14€863k€918k▲
Amounts payable17/49€279k€216k▼
Amounts payable after more than one year17€95k€58k▼
Financial debts170/4€95k€58k▼
Amounts payable within one year42/48€185k€158k▼
Current portion of amounts payable after more than one year42-€36k
Financial debts43€36k-
Other loans439€36k-
Trade debts44€64k€56k▼
Suppliers440/4€64k€56k▼
Taxes, remuneration and social security45€84k€66k▼
Taxes450/3€52k€38k▼
Remuneration and social security454/9€33k€28k▼
Other amounts payable47/48€479-
Accrued charges and deferred income492/3-€88
Income statement
Code20242025
Remuneration, social security and pensions62€314k€315k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€95k€84k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€13k
Other operating charges640/8€18k€17k▼
Gross operating margin9900€352k€503k▲
Operating profit (loss)9901€-75k€74k▲
Financial income75/76B€4k€8k▲
Recurring financial income75€2k€7k▲
Non-recurring financial income76B€2k€1k▼
Financial charges65/66B€5k€26k▲
Recurring financial charges65€4k€6k▲
Non-recurring financial charges66B€530€20k▲
Profit (loss) for the period before taxes9903€-76k€56k▲
Profit (loss) for the period9904€-76k€56k▲
Profit (loss) for the period to be appropriated9905€-76k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€863k€918k▲
Profit (loss) brought forward from the previous period14P€939k€863k▼
Social balance
Average headcount (FTE)90876.26.0▼
The notes to these accounts (9 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
15-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 15 days late
2025
30-09
Financial
Back to profitnet €56k
Net result €56k after 3 loss-making years.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
Financial
Weakest financial yearnet €-87k ▼863%
Net result drops to €-87k, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 26 days late
2019
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-03
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
7 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, Dinant · 1 establishment unit since 1991
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.
Grand-Route-de-Ciney 415503 DinantGround area
4,086 m²
Building footprint
915 m²
Parcel 91122D0193/00R005, Wallonia. Linked by address, not a title deed.
1 establishment unit
Garage lampecco
since 19912.052.719.146
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91122D0193/00R005 | Wallonia | 4,086 m² | 1 · 915 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.
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TORHOUTSE BANDENCENTRALE PUYPE-VDK
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SLEMBROUCK AUTOMOTIVE
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Of 10,679 companies in sector 47811 we hold annual accounts for 5,225. 2,651 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-1991
Fiscal year end30-09
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
45192
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.