LACREMI
ActiveSummary
The computed 12-month bankruptcy probability of LACREMI is 3.2% (moderate). The 2025 annual accounts show equity of €203,896 and a net result of €34,340. Equity is growing by ~44% per year across the filed fiscal years. Its solvency ranks better than 74% of 3833 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-13
Solvency80▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.19 in 2024; short-term debt: 45% and cash: 29.8% of total assets), and 45% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
55%
Return on assets
9.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 6 filingsDeviation from the deadline
2025
30 d late
2024
22 d late
2023
23 d late
2022
3 d late
2021
29 d late
2020
3 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 18 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% 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 24 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#5 company by equity in Blegny, Accommodation and food service sector#9 company by total assets in Blegny, Accommodation and food service sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€34,340▼ 62.6%
2024 · €91,909
Working capital
€1,140▼ 96.8%
2024 · €36,033
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€112,022▲ 429%€64,206▼ 42.7%€137,036▲ 113%€151,321▲ 10.4%€58,751▼ 61.2%
Net result€78,424above the sector's middle half▲ 368%€50,394above the sector's middle half▼ 35.7%€85,579above the sector's middle half▲ 69.8%€91,909above the sector's middle half▲ 7.4%€34,340within the sector's middle half▼ 62.6%
Equity€101,674above the sector's middle half▲ 337%€142,068above the sector's middle half▲ 39.7%€212,648within the sector's middle half▲ 49.7%€294,557above the sector's middle half▲ 38.5%€203,896within the sector's middle half▼ 30.8%
Total assets€309,457above the sector's middle half▲ 76.1%€419,744above the sector's middle half▲ 35.6%€421,405within the sector's middle half▲ 0.4%€483,552within the sector's middle half▲ 14.7%€370,604within the sector's middle half▼ 23.4%
Debt€207,782▲ 36.3%€277,675▲ 33.6%€208,757▼ 24.8%€188,996▼ 9.5%€166,708▼ 11.8%
Working capital€11,293within the sector's middle half-€96,800below the sector's middle half-€58,797within the sector's middle half▲ 39.3%€36,033within the sector's middle half€1,140within the sector's middle half▼ 96.8%
Solvency32.9%within the sector's middle half▲ 19.6pp33.8%within the sector's middle half▲ 1.0pp50.5%above the sector's middle half▲ 16.6pp60.9%above the sector's middle half▲ 10.5pp55.0%within the sector's middle half▼ 5.9pp
Current ratio1.07within the sector's middle half▲ 0.680.53within the sector's middle half▼ 0.540.67within the sector's middle half▲ 0.151.19within the sector's middle half▲ 0.521.01within the sector's middle half▼ 0.18
Return on assets (ROA)25.3%above the sector's middle half▲ 15.8pp12.0%within the sector's middle half▼ 13.3pp20.3%above the sector's middle half▲ 8.3pp19.0%above the sector's middle half▼ 1.3pp9.3%within the sector's middle half▼ 9.7pp
Staff (FTE)11.8▲ 53.2%14.8▲ 25.4%16within the sector's middle half▲ 8.1%16.8within the sector's middle half▲ 5.0%15.3above the sector's middle half▼ 8.9%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 61% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €370,604
Fixed assets
€202,756 ▼ 21.6%
Current assets
€167,848 ▼ 25.4%
Equity and liabilities €370,604
Equity
€203,896 ▼ 30.8%
Debt
€166,708 ▼ 11.8%
Debt's share of the balance-sheet total rises from 39.1% to 45.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€129,235▼
2024 · €221,572
Cash flow
€104,824▼
2024 · €162,159
Quick ratio
0.93▼
2024 · 1.17
Debt to equity
0.82▲
2024 · 0.64
ROE
16.8%▼
2024 · 31.2%
Interest coverage
15.05▼
2024 · 20.59
Debt ≤ 1 year
€166,708▼
2024 · €188,996
Income taxes
€15,825▼
2024 · €48,650
Staff costs
€542,583▼
2024 · €567,159
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,781 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
2.7%
stopped otherwise
97%
still going
For this company itself Checked computes a higher bankruptcy probability: 3.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,781 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €263,392 | €400,983 | €549,723 | €567,159 | €542,583 | ▼ 4.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,907 | €17,925 | €60,259 | €70,250 | €70,484 | ▲ 0.3% |
| Other operating charges640/8 | €1,128 | €1,961 | €7,615 | €1,832 | €4,039 | ▲ 121% |
| Non-recurring operating charges66A | - | - | €4,925 | - | - | - |
| Gross operating margin9900 | €393,449 | €485,075 | €759,559 | €790,562 | €675,858 | ▼ 14.5% |
| Operating profit (loss)9901 | €112,022 | €64,206 | €137,036 | €151,321 | €58,751 | ▼ 61.2% |
| Financial income75/76B | - | €102 | - | €0 | - | - |
| Recurring financial income75 | - | €102 | - | €0 | - | - |
| Financial charges65/66B | €612 | €3,710 | €9,449 | €10,762 | €8,586 | ▼ 20.2% |
| Recurring financial charges65 | €612 | €3,710 | €9,449 | €10,762 | €8,586 | ▼ 20.2% |
| Profit (loss) for the period before taxes9903 | €111,410 | €60,598 | €127,586 | €140,559 | €50,165 | ▼ 64.3% |
| Income taxes67/77 | €32,986 | €10,204 | €42,007 | €48,650 | €15,825 | ▼ 67.5% |
| Profit (loss) for the period9904 | €78,424 | €50,394 | €85,579 | €91,909 | €34,340 | ▼ 62.6% |
| Profit (loss) for the period to be appropriated9905 | €78,424 | €50,394 | €85,579 | €91,909 | €34,340 | ▼ 62.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €309,457 | €419,744 | €421,405 | €483,552 | €370,604 | ▼ 23.4% |
| Fixed assets21/28 | €132,381 | €311,868 | €299,444 | €258,524 | €202,756 | ▼ 21.6% |
| Intangible fixed assets21 | €124,000 | €109,000 | €94,000 | €79,000 | €64,000 | ▼ 19.0% |
| Tangible fixed assets22/27 | €8,131 | €202,868 | €198,604 | €169,264 | €128,496 | ▼ 24.1% |
| Plant, machinery and equipment23 | €1,613 | €178,345 | €165,652 | €143,430 | €104,895 | ▼ 26.9% |
| Furniture and vehicles24 | €6,518 | €24,523 | €32,952 | €25,833 | €23,602 | ▼ 8.6% |
| Financial fixed assets28 | €250 | - | €6,840 | €10,260 | €10,260 | = |
| Current assets29/58 | €177,076 | €107,876 | €121,960 | €225,028 | €167,848 | ▼ 25.4% |
| Stocks and contracts in progress3 | €4,895 | €9,875 | €6,457 | €4,583 | €12,452 | ▲ 172% |
| Stocks30/36 | €4,895 | €9,875 | €6,457 | €4,583 | €12,452 | ▲ 172% |
| Amounts receivable within one year40/41 | €2,879 | €18,840 | €12,048 | €26,010 | €40,462 | ▲ 55.6% |
| Trade receivables40 | €2,879 | €18,840 | €12,048 | €25,507 | €21,862 | ▼ 14.3% |
| Other amounts receivable41 | - | - | - | €503 | €18,600 | ▲ 3,596% |
| Cash at bank and in hand54/58 | €168,877 | €76,236 | €103,455 | €194,436 | €110,391 | ▼ 43.2% |
| Deferred charges and accrued income490/1 | €424 | €2,925 | - | - | €4,542 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €309,457 | €419,744 | €421,405 | €483,552 | €370,604 | ▼ 23.4% |
| Equity10/15 | €101,674 | €142,068 | €212,648 | €294,557 | €203,896 | ▼ 30.8% |
| Contributions10/11 | €6,500 | €6,500 | €6,500 | €6,500 | €6,500 | = |
| Reserves13 | €95,000 | €135,000 | €205,000 | €286,000 | €195,000 | ▼ 31.8% |
| Distributable reserves133 | €95,000 | €135,000 | €205,000 | €286,000 | €195,000 | ▼ 31.8% |
| Profit (loss) carried forward14 | €174 | €568 | €1,148 | €2,057 | €2,396 | ▲ 16.5% |
| Amounts payable17/49 | €207,782 | €277,675 | €208,757 | €188,996 | €166,708 | ▼ 11.8% |
| Amounts payable after more than one year17 | €42,000 | €73,000 | €28,000 | - | - | - |
| Financial debts170/4 | €42,000 | €73,000 | €28,000 | - | - | - |
| Amounts payable within one year42/48 | €165,782 | €204,675 | €180,757 | €188,996 | €166,708 | ▼ 11.8% |
| Current portion of amounts payable after more than one year42 | €39,000 | €72,000 | €45,000 | €28,000 | - | - |
| Trade debts44 | €48,829 | €55,789 | €62,610 | €62,257 | €85,050 | ▲ 36.6% |
| Suppliers440/4 | €48,829 | €55,789 | €62,610 | €62,257 | €85,050 | ▲ 36.6% |
| Taxes, remuneration and social security45 | €70,386 | €74,618 | €70,191 | €98,503 | €64,075 | ▼ 35.0% |
| Taxes450/3 | €55,594 | €53,189 | €65,796 | €93,483 | €58,949 | ▼ 36.9% |
| Remuneration and social security454/9 | €14,792 | €21,429 | €4,396 | €5,021 | €5,126 | ▲ 2.1% |
| Other amounts payable47/48 | €7,567 | €2,268 | €2,955 | €235 | €17,583 | ▲ 7,370% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €78,424 | €50,394 | €85,579 | €91,909 | €34,340 | ▼ 62.6% |
| + Depreciation and write-downs630 | €16,907 | €17,925 | €60,259 | €70,250 | €70,484 | ▲ 0.3% |
| Operating cash flow (approximation) | €95,331 | €68,319 | €145,839 | €162,159 | €104,824 | ▼ 35.4% |
| Investment in fixed assets (approximation) | - | -€197,412 | -€47,836 | -€29,330 | -€14,717 | ▲ 49.8% |
| Change in cash | - | -€92,641 | €27,219 | €90,981 | -€84,045 | ▼ 192% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
31-12
Financial
Highest result since 2020net €91,909 ▲7.4%
Operating result €151,321, net result €91,909, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 23 days late
2023
31-12
Financial
Equity above €200,000Eq €212,648 ▲49.7%
4 profitable years in a row build equity to €212,648.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 1.07
Current ratio from 0.38 to 1.07.
31-12
Financial
Equity above €100,000Eq €101,674 ▲337%
2 profitable years in a row build equity to €101,674.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Blégny · 1 establishment unit since 2019
Ground area
708 m²
Building footprint
147 m²
Volume, LiDAR
757 m³
Parcel 62010A0142/03S000, Wallonia · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
LE FORTIN
since 20192.294.566.969
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62010A0142/03S000 | Wallonia | 708 m² | 1 · 147 m² | 6.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBlégny2.294.566.969
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Of 20,500 companies in this sector we hold annual accounts for 11,468. 8,524 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded04-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0735734310
Also
9925:BE0735734310
Registered
19-05-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.