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LAMAGY

Active
Private limited companyfounded 20242 yrs activeRue Fréson 31, 4130 Esneux, BelgiumKBO/BCE: BE 1005.823.880
Summary

The computed 12-month bankruptcy probability of LAMAGY is 2.5% (moderate). The 2025 annual accounts show equity of €102,795 and a net result of €55,594. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78
Track record82
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days only on tighter terms
Liquidity ample (current ratio 8.39 against 4.25 in 2024; short-term debt: 11.9% and cash: 84.6% of total assets), and 12.2% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
87.8%
Return on assets
47.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 27-07-2026, 4 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
4 d early
2024
8 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 2 accounts on average 6 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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.
Companies Code · seven months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

LAMAGY was incorporated on 9 February 2024 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€102,795▲ 114%
2024 · €48,035
Total assets
€117,057▲ 86.4%
2024 · €62,807
Net result
€55,594▲ 18.6%
2024 · €46,894
Working capital
€103,110▲ 115%
2024 · €48,035
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€65,776-€77,312▲ 17.5%
Net result€46,894-€55,594▲ 18.6%
Equity€48,035-€102,795▲ 114%
Total assets€62,807-€117,057▲ 86.4%
Debt€14,772-€14,262▼ 3.5%
Working capital€48,035-€103,110▲ 115%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000€60,000€80,000Operating result 2024: €65,776€65,776Net result 2024: €46,894€46,894Operating result 2025: €77,312€77,312Net result 2025: €55,594€55,59420242025€0€20,000€40,000€60,000€80,000Operating result 2024: €65,776€65,800Net result 2024: €46,894€46,900Operating result 2025: €77,312€77,300Net result 2025: €55,594€55,60020242025
The operating result rises in 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €117,057
Equity €102,795 ▲ 114%
Debt €14,262 ▼ 3.5%
Debt's share of the balance-sheet total falls from 23.5% to 12.2%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
Current ratio
8.39▲
2024 · 4.25
Debt to equity
0.14▼
2024 · 0.31
ROE
54.1%▼
2024 · 97.6%
ROA
47.5%▼
2024 · 74.7%
Debt ≤ 1 year
€13,947▼
2024 · €14,772
Income taxes
€21,375▲
2024 · €18,545
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.5% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

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 39,275 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 32 lines
Balance sheet Code20242025
Assets
Total assets20/58€62,807€117,057▲
Current assets29/58€62,807€117,057▲
Cash at bank and in hand54/58€50,283€98,979▲
Deferred charges and accrued income490/1€12,524€18,078▲
Equity and liabilities
Total equity and liabilities10/49€62,807€117,057▲
Equity10/15€48,035€102,795▲
Contributions10/11€2,000€2,000=
Reserves13€46,035€100,795▲
Distributable reserves133€46,035€100,795▲
Amounts payable17/49€14,772€14,262▼
Amounts payable within one year42/48€14,772€13,947▼
Trade debts44€468€253▼
Suppliers440/4€468€253▼
Taxes, remuneration and social security45€5,091€6,015▲
Taxes450/3€4,795€5,719▲
Remuneration and social security454/9€296€296=
Other amounts payable47/48€9,214€7,679▼
Accrued charges and deferred income492/3-€314
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,980-
Gross operating margin9900€68,756€77,312▲
Operating profit (loss)9901€65,776€77,312▲
Financial charges65/66B€337€343▲
Recurring financial charges65€337€343▲
Profit (loss) for the period before taxes9903€65,438€76,968▲
Income taxes67/77€18,545€21,375▲
Profit (loss) for the period9904€46,894€55,594▲
Profit (loss) for the period to be appropriated9905€46,894€55,594▲
Appropriation of the result
Profit (loss) to be appropriated9906€46,894€55,594▲
Transfer to equity691/2€46,035€54,761▲
To other reserves6921€46,035€54,761▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,980--
Gross operating margin9900€68,756€77,312▲ 12.4%
Operating profit (loss)9901€65,776€77,312▲ 17.5%
Financial charges65/66B€337€343▲ 1.7%
Recurring financial charges65€337€343▲ 1.7%
Profit (loss) for the period before taxes9903€65,438€76,968▲ 17.6%
Income taxes67/77€18,545€21,375▲ 15.3%
Profit (loss) for the period9904€46,894€55,594▲ 18.6%
Profit (loss) for the period to be appropriated9905€46,894€55,594▲ 18.6%
Line20242025Change
Assets
Total assets20/58€62,807€117,057▲ 86.4%
Current assets29/58€62,807€117,057▲ 86.4%
Cash at bank and in hand54/58€50,283€98,979▲ 96.8%
Deferred charges and accrued income490/1€12,524€18,078▲ 44.4%
Equity and liabilities
Total equity and liabilities10/49€62,807€117,057▲ 86.4%
Equity10/15€48,035€102,795▲ 114%
Contributions10/11€2,000€2,000=
Reserves13€46,035€100,795▲ 119%
Distributable reserves133€46,035€100,795▲ 119%
Amounts payable17/49€14,772€14,262▼ 3.5%
Amounts payable within one year42/48€14,772€13,947▼ 5.6%
Trade debts44€468€253▼ 45.9%
Suppliers440/4€468€253▼ 45.9%
Taxes, remuneration and social security45€5,091€6,015▲ 18.2%
Taxes450/3€4,795€5,719▲ 19.3%
Remuneration and social security454/9€296€296=
Other amounts payable47/48€9,214€7,679▼ 16.7%
Accrued charges and deferred income492/3-€314-
Line20242025Change
Profit (loss) for the period9904€46,894€55,594▲ 18.6%
+ Depreciation and write-downs630€2,980--
Operating cash flow (approximation)€49,874€55,594▲ 11.5%
Change in cash-€48,696-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
27-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Equity above €100,000Eq €102,795 ▲114%
2 profitable years in a row build equity to €102,795.
23-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Esneux · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
591 m²
Building footprint
146 m²
Volume, LiDAR
764 m³
2 parcels, Wallonia · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Rue Walthère Jamar 279 b, 4430 Ans
Specialist medical practice
since 20242.356.554.325
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62101D0466/00S011 Wallonia 355 m² 1 · 73 m² -
62332B0272/00F003 Wallonia 236 m² 1 · 73 m² 12.3 m · 3 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded09-02-2024
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.