LAMA
ActiveLAMA has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.46M and a net result of €997k. Equity is growing by ~78.2% per year across the filed fiscal years. Its solvency ranks better than 42% of 9692 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency42▲+12
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 1.26 in 2023), and 76.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Sector 68
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 2024Solvency, return and age of the figures
Solvency
23.6%
Return on assets
9.6%
Age of the figures
20 mo
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 11-07-2025, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
20 d early
2023
8 d early
2022
4 d early
2021
31 d early
2020
75 d early
2019
73 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€2.46M▲ 68.2%
2023 · €1.46M
2018: €77k
2019: €84k
2020: €342k
2021: €532k
2022: €734k
2023: €1.46M
2018 → 2024
Total assets
€10.42M▲ 35.1%
2023 · €7.71M
2018: €4.19M
2019: €4.19M
2020: €5.60M
2021: €6.07M
2022: €6.15M
2023: €7.71M
2018 → 2024
Net result
€997k▲ 37.0%
2023 · €727k
2018: €60k
2019: €7k
2020: €258k
2021: €190k
2022: €202k
2023: €727k
2018 → 2024
Working capital
€2.64M▲ 66.7%
2023 · €1.58M
2018: €77k
2019: €77k
2020: €519k
2021: €702k
2022: €769k
2023: €1.58M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€342k-€532k▲ 55.7%€734k▲ 38.0%€1.46M▲ 99.1%€2.46M▲ 68.2%
Operating result€359k-€267k▼ 25.7%€279k▲ 4.5%€975k▲ 250%€1.32M▲ 35.3%
Net result€258k-€190k▼ 26.2%€202k▲ 6.1%€727k▲ 260%€997k▲ 37.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 35% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €10.42M
Equity
€2.46M▲ 68.2%
Debt
€7.96M▲ 27.4%
The debt ratio falls from 81.1% to 76.4%: equity grows faster than debt.
Key figures and ratios
Solvency
23.6%▲
2023 · 18.9%
Current ratio
1.34▲
2023 · 1.26
Quick ratio
0.40▼
2023 · 0.50
Debt / equity
3.24▼
2023 · 4.28
ROE
40.6%▼
2023 · 49.8%
ROA
9.6%▲
2023 · 9.4%
Debt
€7.96M▲
2023 · €6.25M
Debt ≤ 1 year
€7.78M▲
2023 · €6.12M
Income taxes
€332k▲
2023 · €256k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€7.71M€10.42M▲
Current assets29/58€7.71M€10.42M▲
Stocks and contracts in progress3€4.62M€7.28M▲
Stocks30/36€4.62M€7.28M▲
Amounts receivable within one year40/41€2.65M€2.98M▲
Trade receivables40€352k€0▼
Other amounts receivable41€2.30M€2.98M▲
Cash at bank and in hand54/58€397k€98k▼
Deferred charges and accrued income490/1€36k€59k▲
Equity and liabilities
Total equity and liabilities10/49€7.71M€10.42M▲
Equity10/15€1.46M€2.46M▲
Contributions10/11€12k€12k=
Reserves13€1.45M€2.44M▲
Non-distributable reserves130/1-€2k
Reserves not available under the articles1311-€2k
Distributable reserves133€1.45M€2.44M▲
Amounts payable17/49€6.25M€7.96M▲
Amounts payable within one year42/48€6.12M€7.78M▲
Current portion of amounts payable after more than one year42€52k€0▼
Financial debts43€3.71M€5.75M▲
Credit institutions430/8€3.71M€5.75M▲
Trade debts44€10k€7k▼
Suppliers440/4€10k€7k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€170k€38k▼
Taxes450/3€170k€38k▼
Other amounts payable47/48€2.18M€1.98M▼
Accrued charges and deferred income492/3€123k€184k▲
Income statement
Code20232024
Other operating charges640/8€3k€4k▲
Gross operating margin9900€979k€1.32M▲
Operating profit (loss)9901€975k€1.32M▲
Financial income75/76B€19k€24k▲
Recurring financial income75€19k€24k▲
Financial charges65/66B€11k€15k▲
Recurring financial charges65€11k€15k▲
Profit (loss) for the period before taxes9903€983k€1.33M▲
Income taxes67/77€256k€332k▲
Profit (loss) for the period9904€727k€997k▲
Profit (loss) for the period to be appropriated9905€727k€997k▲
Appropriation of the result
Profit (loss) to be appropriated9906€727k€997k▲
Transfer to equity691/2€727k€997k▲
To other reserves6921€727k€997k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €997k ▲37%
Operating result €1.32M, net result €997k, both a record.
31-12
Financial
Equity above €2MEq €2.46M ▲68.2%
7 profitable years in a row build equity to €2.46M.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.46M ▲99.1%
6 profitable years in a row build equity to €1.46M.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €532k ▲55.7%
4 profitable years in a row build equity to €532k.
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €342k ▲308%
3 profitable years in a row build equity to €342k.
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €7k ▼88.4%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 20 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 58 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 59 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Peer · 1 establishment unit since 2006
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.
Markt 473990 PeerGround area
494 m²
Building footprint
349 m²
Volume, LiDAR
1,465 m³
Parcel 72030F0313/00H000, Flanders · tallest building 11.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LAMA
since 20062.154.533.514
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72030F0313/00H000 | Flanders | 494 m² | 1 · 349 m² | 11.5 m · 1 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
NOEMAT
BE 0549.791.446
Lessines · Eq €2.46M
DEBIFIN
BE 0447.144.264
Kruisem · Eq €2.46M
SASW
BE 0713.428.961
Nieuwpoort · Eq €2.46M
Ufficio 2.0 BE
BE 0632.721.102
Houthalen-Helchteren · Eq €2.47M
IMMPACT ONTWIKKELING
BE 0860.682.582
Antwerpen · Eq €2.45M
Of 9,635 companies in sector 68121 we hold annual accounts for 7,327. 2,696 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2006
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.