Financials
- Fiscal year
- 2024
- Total assets
- €278,562
- Profit
- €29,315
- Solvency
- 79.8%
Total assets▲ 6.9%
Net result
20182024
LAM BIJOUTERIE
ActiveSummary
LAM BIJOUTERIE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €222,416 and a net result of €29,315. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 26033 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Overview
Activity
Retail sale of watches and jewellery
NACE 47770
1 site
Size
€278,562total assets 2024
- Equity
- €222,416
- Profit
- €29,315
Turnover not published (abridged schema)
Structure
Accounts 64 d overdue0 of 4 deeds read
Why 67- Figures for FY 2024 (filed 30-07-2025)- Liquidity: current ratio 5.00, cash €7,655+ Founded in 2008+ Equity €222,416 (79.8% of total assets)Show the evidence
Checked score
Score 2024
67
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 70% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Strong
Solvency
100+1
equity 79.8% of total assets
Liquidity
47+3
short-term debt 19.6% · cash 2.7%
Profitability
82+4
return on assets 10.5%
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.3%
12-2024: 0.3%● 0.0% vs 11-2024
01-2025: 0.3%● 0.0% vs 12-2024
02-2025: 0.3%▲ +4.8% vs 01-2025
03-2025: 0.3%● 0.0% vs 02-2025
04-2025: 0.3%▲ +14.5% vs 03-2025
05-2025: 0.3%▼ -4.9% vs 04-2025
06-2025: 0.3%▼ -0.3% vs 05-2025
07-2025: 0.5%▲ +50.9% vs 06-2025
08-2025: 0.2%▼ -54.8% vs 07-2025
09-2025: 0.2%● 0.0% vs 08-2025
10-2025: 0.2%● 0.0% vs 09-2025
11-2025: 0.2%● 0.0% vs 10-2025
12-2025: 0.2%● 0.0% vs 11-2025
01-2026: 0.2%▼ -0.9% vs 12-2025lowest value
02-2026: 0.2%▲ +5.4% vs 01-2026
03-2026: 0.2%● 0.0% vs 02-2026
04-2026: 0.3%▲ +14.9% vs 03-2026
05-2026: 0.3%▼ -1.5% vs 04-2026
06-2026: 0.3%▲ +1.1% vs 05-2026
07-2026: 0.3%▲ +5.6% vs 06-2026
08-2026: 0.6%▲ +105% vs 07-2026
09-2026: 0.7%▲ +24.3% vs 08-2026
10-2026: 1.1%▲ +58.0% vs 09-2026highest value
- Figures for FY 2024 (filed 30-07-2025) raises the probability
- Founded in 2008 lowers the probability for this profile
- Equity €222,416 (79.8% of total assets) lowers the probability
- Liquidity: current ratio 5.00, cash €7,655 raises the probability
Credit up to €14,000 at 30 days acceptable
Liquidity ample (current ratio 5.0 against 3.8 in 2023; short-term debt: 19.6% and cash: 2.7% of total assets), and 20.2% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 47%, profitability 75%, growth against the median 67%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
29 d late
2022
30 d late
2021
19 d early
2020
61 d late
2019
21 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 20 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Equity above €200,000Eq €222,416 ▲15.2%
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2016
- 30-07-2025Annual accounts filed
- 31-12-2024Equity above €200,000
- 29-08-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Retail sale of watches and jewelleryNACE 47770
- Founded
- 08-07-2008
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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