Summary
LAMENCO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €47k and a net result of €75. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 10% of 9863 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 9863 sector peers (2024).
NBB · sector comparisonPosition among 9863 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
14 d early
2022
87 d late
2021
29 d late
2020
31 d late
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€47k▲ 0.2%
2023 · €47k
2018: €22k
2019: €28k
2020: €29k
2021: €31k
2022: €33k
2023: €47k
2018 → 2024
Net result
€75▼ 99.5%
2023 · €14k
2018: €13k
2019: €6k
2020: €1k
2021: €3k
2022: €2k
2023: €14k
2018 → 2024
Total assets
€1.40M▲ 8.7%
2023 · €1.28M
2018: €435k
2019: €664k
2020: €673k
2021: €649k
2022: €922k
2023: €1.28M
2018 → 2024
Solvency
3.4%▼ 0.3pp
2023 · 3.7%
2018: 5.0%
2019: 4.2%
2020: 4.3%
2021: 4.8%
2022: 3.6%
2023: 3.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€29k-€31k▲ 9.1%€33k▲ 5.3%€47k▲ 42.5%€47k▲ 0.2%
Operating result€-4k-€9k€23k▲ 151%€43k▲ 87.9%€32k▼ 24.5%
Net result€1k-€3k▲ 134%€2k▼ 36.1%€14k▲ 741%€75▼ 99.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 24% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.40M
Fixed assets
€244k ▲ 3.7%
Current assets
€1.15M ▲ 9.8%
Equity and liabilities €1.40M
Equity
€47k ▲ 0.2%
Debt
€1.35M ▲ 9.0%
Debt's share of the balance-sheet total rises from 96.3% to 96.6%. Equity and debt are higher.
Key figures and ratios
ROE
0.2%▼
2023 · 29.8%
ROA
0.0%▼
2023 · 1.1%
Debt ≤ 1 year
€47k▲
2023 · €35k
Debt > 1 year
€1.30M▲
2023 · €1.20M
Income taxes
€10k▼
2023 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.28M€1.40M▲
Fixed assets21/28€236k€244k▲
Tangible fixed assets22/27€56k€64k▲
Land and buildings22€19k€10k▼
Plant, machinery and equipment23€0€1k▲
Furniture and vehicles24€6k€18k▲
Other tangible fixed assets26€31k€35k▲
Financial fixed assets28€180k€180k=
Current assets29/58€1.05M€1.15M▲
Amounts receivable after more than one year29€979k€1.08M▲
Other amounts receivable291€979k€1.08M▲
Amounts receivable within one year40/41€29k€55k▲
Trade receivables40€17k€54k▲
Other amounts receivable41€12k€265▼
Current investments50/53-€10k
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€36k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.28M€1.40M▲
Equity10/15€47k€47k▲
Contributions10/11€6k€6k=
Reserves13€41k€41k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€41k€41k▲
Amounts payable17/49€1.24M€1.35M▲
Amounts payable after more than one year17€1.20M€1.30M▲
Other amounts payable178/9€1.20M€1.30M▲
Amounts payable within one year42/48€35k€47k▲
Trade debts44€18k€22k▲
Suppliers440/4€18k€22k▲
Taxes, remuneration and social security45€14k€24k▲
Taxes450/3€14k€24k▲
Other amounts payable47/48€4k€994▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€2k€4k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€56k€48k▼
Operating profit (loss)9901€43k€32k▼
Financial income75/76B€34k€41k▲
Recurring financial income75€34k€41k▲
Financial charges65/66B€52k€64k▲
Recurring financial charges65€52k€64k▲
Profit (loss) for the period before taxes9903€24k€10k▼
Income taxes67/77€10k€10k▼
Profit (loss) for the period9904€14k€75▼
Profit (loss) for the period to be appropriated9905€14k€75▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€75▼
Transfer to equity691/2€14k€75▼
To other reserves6921€14k€75▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €75 ▼99.5%
Net result drops to €75, the lowest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €14k ▲741%
Operating result €43k, net result €14k, both a record.
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 87 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 8.97
Current ratio from 2.76 to 8.97; short-term debt falls from €64k to €47k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pelt · 1 establishment unit since 2016
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.
Hockeylaan 73910 PeltGround area
4,762 m²
Building footprint
327 m²
Volume, LiDAR
1,617 m³
Parcel 72025B1227/00C010, Flanders · tallest building 15.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LAMENCO
since 20162.260.181.756
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72025B1227/00C010 | Flanders | 4,762 m² | 1 · 327 m² | 15.4 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 10,255 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bart@lns.be
Phone:011/805599