Summary
LAM Insurance is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €125,657 and a net result of €44,625. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 23% of 3,058 sector peers (NACE 66, financial year 2025). The company has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
Source: KBO- Status
- Active since 12-02-2008 Normal situation
- Activity
- Insurance agents and brokers NACE 66220
- Joint committee
- 307 Paritair Comité voor de makelarij en verzekeringsagentschappen · annual accounts 2025
- Establishment units
- 2.168.786.673 1910 Kampenhout, since 26-02-2008
- 2.337.161.847 1853 Grimbergen, since 31-10-2022and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 18-02-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €44,625
- ▲ 31.9%
- Equity
- €125,657
- ▲ 51.9%
- Total assets
- €762,704
- ▼ 9.6%
- Employees on 31-12-2025
- 1
- =
- 2025 accounts filed 31 days after the deadline
Signalsraises riskWeak solvency compared with the sector2025 accounts filed 31 days latelowers riskGrowing equityShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
Three signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 3058 sector peers (2025).
NBB · sector comparisonPosition among 3058 sector peers
Solvency
better than 23%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €125,657
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
31 days late
2023
27 days late
2022
21 days late
2021
31 days late
2020
31 days late
2019
21 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 28 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
- Positive: 8 profitable years in a rowprofit 2025: €44,625 8 years View
Recent changes
- · Gazette deed Company renamed from VS BUSINESS CONSULT to LAM InsuranceReappointments: PIRLOTTE Corinne (director) and SOYEZ Vincent (director)
- · Gazette deed Incorporation
Comparable companies
These companies have the same main activity as LAM Insurance: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €693,000 and €810,000, founded between 2006 and 2010.
| Company | Total assets | Gross margin |
|---|---|---|
| LAM Insurance Grimbergen | €762,704 | €216,757 |
| BURO GINKGO Lochristi | €692,854 | €218,839 |
| Alliver Verzekeringen Wijnegem | €794,765 | €245,404 |
| BLYGEDACHT Hasselt | €707,653 | €218,233 |
| ASSURANCES MICHEZ Tournai | €809,560 | €209,969 |
| WIM DOCX Putte | €754,595 | €227,023 |
| B-INSURED Aalst | €731,990 | €182,117 |
Key facts about LAM Insurance
- What is the company number of LAM Insurance?
- The company number of LAM Insurance is 0895.912.190. The VAT number is the same number with BE in front: BE 0895.912.190.
- Where is LAM Insurance based?
- The registered office is at Sint-Amandsplein 21, 1853 Grimbergen.Company details
- What does LAM Insurance do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of LAM Insurance?
- The legal form of LAM Insurance is Private limited company (BV).
- When was LAM Insurance founded?
- LAM Insurance was founded on 12-02-2008.
- Is LAM Insurance still active?
- Yes, LAM Insurance is an active enterprise in the KBO register.
- How many employees does LAM Insurance have?
- LAM Insurance had an average of 0.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does LAM Insurance fall under?
- In its 2025 annual accounts, LAM Insurance states joint committee 307 (Paritair Comité voor de makelarij en verzekeringsagentschappen).
- What is the turnover of LAM Insurance?
- The turnover in financial year 2025 is ≈ €410,000. This figure is estimated from the gross margin of €216,757 and 31 comparable companies (NACE 66220). It probably lies between €340,000 and €550,000.
- Is LAM Insurance profitable?
- In financial year 2025, LAM Insurance made a profit of €44,625.
- Where can I find the annual accounts of LAM Insurance?
- LAM Insurance filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LAM Insurance due?
- LAM Insurance must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check
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