LACAMI
ActiveLACAMI has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €481k and a net result of €69k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 46% of 8636 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+1
Solvency73▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 20.16 against 26.96 in 2024; short-term debt: 1.7% and cash: 13.9% of total assets), but 51.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
48.3%
Return on assets
6.9%
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
49 d early
2023
28 d early
2022
20 d early
2021
24 d early
2020
54 d late
2019
41 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€481k▲ 16.7%
2024 · €413k
2018: €264k
2019: €263k
2020: €284k
2021: €297k
2022: €300k
2023: €356k
2024: €413k
2018 → 2025
Total assets
€998k▲ 7.1%
2024 · €931k
2018: €315k
2019: €313k
2020: €634k
2021: €844k
2022: €839k
2023: €884k
2024: €931k
2018 → 2025
Net result
€69k▲ 20.8%
2024 · €57k
2018: €16k
2019: €-316
2020: €21k
2021: €13k
2022: €3k
2023: €56k
2024: €57k
2018 → 2025
Working capital
€323k▲ 30.9%
2024 · €247k
2018: €311k
2020: €181k
2021: €209k
2022: €116k
2023: €183k
2024: €247k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€297k-€300k▲ 0.9%€356k▲ 18.6%€413k▲ 16.0%€481k▲ 16.7%
Operating result€24k-€11k▼ 56.4%€75k▲ 610%€78k▲ 4.3%€101k▲ 29.0%
Net result€13k-€3k▼ 80.9%€56k▲ 2,097%€57k▲ 1.9%€69k▲ 20.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 29% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €998k
Fixed assets
€657k▼ 2.6%
Current assets
€340k▲ 32.7%
Equity and liabilities €998k
Equity
€481k▲ 16.7%
Provisions
€42k▼ 3.4%
Debt
€474k▼ 0.2%
The debt ratio falls from 51.0% to 47.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€118k▲
2024 · €95k
Cash flow
€86k▲
2024 · €74k
Solvency
48.3%▲
2024 · 44.3%
Current ratio
20.16▼
2024 · 26.96
Quick ratio
20.16▼
2024 · 26.96
Debt / equity
0.98▼
2024 · 1.15
ROE
14.3%▲
2024 · 13.8%
ROA
6.9%▲
2024 · 6.1%
Interest coverage
16.14▲
2024 · 12.86
Debt
€474k▼
2024 · €475k
Debt ≤ 1 year
€17k▲
2024 · €10k
Debt > 1 year
€457k▼
2024 · €465k
Income taxes
€33k▲
2024 · €20k
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€931k€998k▲
Fixed assets21/28€675k€657k▼
Tangible fixed assets22/27€675k€657k▼
Land and buildings22€675k€657k▼
Current assets29/58€257k€340k▲
Amounts receivable within one year40/41€4k€2k▼
Other amounts receivable41€4k€2k▼
Current investments50/53€200k€200k=
Cash at bank and in hand54/58€53k€138k▲
Equity and liabilities
Total equity and liabilities10/49€931k€998k▲
Equity10/15€413k€481k▲
Contributions10/11€20k€20k=
Reserves13€393k€461k▲
Non-distributable reserves130/1-€72k
Other1319-€72k
Tax-exempt reserves132€85k€82k▼
Distributable reserves133€307k€307k=
Provisions and deferred taxes16€44k€42k▼
Deferred taxes168€44k€42k▼
Amounts payable17/49€475k€474k▼
Amounts payable after more than one year17€465k€457k▼
Financial debts170/4€465k€457k▼
Amounts payable within one year42/48€10k€17k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Taxes, remuneration and social security45€1k€9k▲
Taxes450/3€1k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k=
Other operating charges640/8€12k€13k▲
Gross operating margin9900€107k€131k▲
Operating profit (loss)9901€78k€101k▲
Financial income75/76B€5k€7k▲
Recurring financial income75€5k€7k▲
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€75k€101k▲
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€20k€33k▲
Profit (loss) for the period9904€57k€69k▲
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€60k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€72k▲
Transfer to equity691/2€60k€72k▲
To other reserves6921€60k€72k▲
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €69k ▲20.8%
Operating result €101k, net result €69k, both a record.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity times 15current ratio 24.68
Current ratio from 1.60 to 24.68; short-term debt falls from €300k to €9k.
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 54 days late
2020
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 41 days late
2019
31-12
Financial
Weakest financial yearnet €-316 ▼102%
Net result drops to €-316, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 12 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Koksijde · 1 establishment unit since 2007
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.
La Charitéstraat(Odk) 13/A0008670 KoksijdeGround area
291 m²
Building footprint
56 m²
Volume, LiDAR
357 m³
Parcel 38502G0232/00A000, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Lacami
since 20072.165.080.976
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502G0232/00A000 | Flanders | 291 m² | 1 · 56 m² | 10.9 m · 3 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.
Similar companies · same sector, comparable size
2B CONSULTING
BE 0474.950.404
Manage · Eq €481k
VABOD
BE 0773.994.771
Kortrijk · Eq €481k
GEO-DESIGN
BE 0832.513.881
Gooik · Eq €481k
THE TALENT BOX
BE 0878.963.025
Watermaal-Bosvoorde · Eq €482k
B&W MANAGEMENT
BE 0819.100.959
Zulte · Eq €482k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 34,948 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2007
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:056/420038