LAMRO GROUP
ActiveSummary
The computed 12-month bankruptcy probability of LAMRO GROUP is 1.6% (moderate). The 2024 annual accounts show equity of €258,924 and a net result of €91,312. Equity is growing by ~54% per year across the filed fiscal years. Its solvency ranks better than 94% of 3543 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days only on tighter terms
Liquidity ample (current ratio 4.56 against 5.95 in 2023; short-term debt: 10.1% and cash: 30.3% of total assets), and 10.1% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
89.9%
Return on assets
31.7%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-11-2025, 97 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
97 d late
2023
61 d late
2022
23 d early
2021
90 d late
2020
53 d late
2019
80 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 60 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)
History
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Financials · fiscal year 2024, micro schema
Equity
€258,924▲ 54.5%
2023 · €167,612
Total assets
€287,913▲ 47.8%
2023 · €194,757
Net result
€91,312▼ 0.2%
2023 · €91,470
Working capital
€103,338▼ 23.1%
2023 · €134,413
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€24,758▼ 10.3%€16,146▼ 34.8%€35,294▲ 119%€124,750▲ 253%€129,838▲ 4.1%
Net result€17,873within the sector's middle half▲ 2.8%€13,454within the sector's middle half▼ 24.7%€25,022above the sector's middle half▲ 86.0%€91,470above the sector's middle half▲ 266%€91,312above the sector's middle half▼ 0.2%
Equity€47,666within the sector's middle half▲ 60.0%€61,120within the sector's middle half▲ 28.2%€86,142within the sector's middle half▲ 40.9%€167,612above the sector's middle half▲ 94.6%€258,924above the sector's middle half▲ 54.5%
Total assets€78,836within the sector's middle half▲ 68.7%€94,688within the sector's middle half▲ 20.1%€107,375within the sector's middle half▲ 13.4%€194,757within the sector's middle half▲ 81.4%€287,913within the sector's middle half▲ 47.8%
Debt€31,170▲ 83.9%€33,568▲ 7.7%€21,233▼ 36.7%€27,145▲ 27.8%€28,989▲ 6.8%
Working capital€12,091within the sector's middle half▼ 34.3%€31,240within the sector's middle half▲ 158%€63,145within the sector's middle half▲ 102%€134,413above the sector's middle half▲ 113%€103,338above the sector's middle half▼ 23.1%
Solvency60.5%within the sector's middle half▼ 3.3pp64.5%above the sector's middle half▲ 4.1pp80.2%above the sector's middle half▲ 15.7pp86.1%above the sector's middle half▲ 5.8pp89.9%above the sector's middle half▲ 3.9pp
Current ratio1.49within the sector's middle half▼ 0.591.99within the sector's middle half▲ 0.494.07above the sector's middle half▲ 2.085.95above the sector's middle half▲ 1.884.56above the sector's middle half▼ 1.39
Return on assets (ROA)22.7%above the sector's middle half▼ 14.5pp14.2%above the sector's middle half▼ 8.5pp23.3%above the sector's middle half▲ 9.1pp47.0%above the sector's middle half▲ 23.7pp31.7%above the sector's middle half▼ 15.3pp
Staff (FTE)0.5
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro 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 4% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €287,913
Fixed assets
€155,587 ▲ 369%
Current assets
€132,327 ▼ 18.1%
Equity and liabilities €287,913
Equity
€258,924 ▲ 54.5%
Debt
€28,989 ▲ 6.8%
Debt's share of the balance-sheet total falls from 13.9% to 10.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€149,251▲
2023 · €138,588
Cash flow
€110,725▲
2023 · €105,308
Debt to equity
0.11▼
2023 · 0.16
ROE
35.3%▼
2023 · 54.6%
Interest coverage
68.16▼
2023 · 122.32
Debt ≤ 1 year
€28,989▲
2023 · €27,145
Income taxes
€37,092▲
2023 · €32,292
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 26,975 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €37,380 | €19,863 | -€1,289 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,473 | €12,208 | €12,103 | €13,838 | €19,412 | ▲ 40.3% |
| Other operating charges640/8 | - | €5,355 | €365 | €824 | €1,928 | ▲ 134% |
| Gross operating margin9900 | €34,810 | €71,089 | €67,625 | €138,123 | €151,178 | ▲ 9.5% |
| Operating profit (loss)9901 | €24,758 | €16,146 | €35,294 | €124,750 | €129,838 | ▲ 4.1% |
| Financial income75/76B | - | €805 | €44 | €145 | €756 | ▲ 421% |
| Recurring financial income75 | €181 | €805 | €44 | €145 | €756 | ▲ 421% |
| Financial charges65/66B | - | €304 | €808 | €1,133 | €2,190 | ▲ 93.3% |
| Recurring financial charges65 | €627 | €304 | €808 | €1,133 | €2,190 | ▲ 93.3% |
| Profit (loss) for the period before taxes9903 | €24,312 | €16,647 | €34,530 | €123,762 | €128,404 | ▲ 3.8% |
| Income taxes67/77 | €6,439 | €3,193 | €9,508 | €32,292 | €37,092 | ▲ 14.9% |
| Profit (loss) for the period9904 | €17,873 | €13,454 | €25,022 | €91,470 | €91,312 | ▼ 0.2% |
| Profit (loss) for the period to be appropriated9905 | €17,873 | €13,454 | €25,022 | €91,470 | €91,312 | ▼ 0.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €78,836 | €94,688 | €107,375 | €194,757 | €287,913 | ▲ 47.8% |
| Fixed assets21/28 | €42,262 | €31,847 | €23,654 | €33,199 | €155,587 | ▲ 369% |
| Intangible fixed assets21 | - | - | - | - | €34,417 | - |
| Tangible fixed assets22/27 | €42,262 | €31,847 | €23,654 | €33,199 | €121,170 | ▲ 265% |
| Plant, machinery and equipment23 | - | €1,801 | €4,650 | €3,509 | €12,676 | ▲ 261% |
| Furniture and vehicles24 | - | €30,046 | €19,004 | €29,690 | €108,494 | ▲ 265% |
| Current assets29/58 | €36,574 | €62,841 | €83,721 | €161,558 | €132,327 | ▼ 18.1% |
| Amounts receivable within one year40/41 | €4,768 | €11,588 | €6,868 | €8,215 | €38,657 | ▲ 371% |
| Trade receivables40 | - | €10,178 | €5,800 | €8,082 | €20,224 | ▲ 150% |
| Other amounts receivable41 | - | €1,410 | €1,068 | €133 | €18,434 | ▲ 13,760% |
| Cash at bank and in hand54/58 | €30,961 | €49,547 | €74,275 | €151,954 | €87,122 | ▼ 42.7% |
| Deferred charges and accrued income490/1 | - | €1,706 | €2,578 | €1,389 | €6,547 | ▲ 371% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €78,836 | €94,688 | €107,375 | €194,757 | €287,913 | ▲ 47.8% |
| Equity10/15 | €47,666 | €61,120 | €86,142 | €167,612 | €258,924 | ▲ 54.5% |
| Contributions10/11 | - | €12,400 | €12,400 | €13,270 | €13,270 | = |
| Reserves13 | €34,870 | €34,870 | €58,870 | €139,000 | €230,000 | ▲ 65.5% |
| Non-distributable reserves130/1 | - | €870 | €870 | - | - | - |
| Reserves not available under the articles1311 | - | €870 | €870 | - | - | - |
| Distributable reserves133 | - | €34,000 | €58,000 | €139,000 | €230,000 | ▲ 65.5% |
| Profit (loss) carried forward14 | €396 | €13,850 | €14,872 | €15,342 | €15,654 | ▲ 2.0% |
| Amounts payable17/49 | €31,170 | €33,568 | €21,233 | €27,145 | €28,989 | ▲ 6.8% |
| Amounts payable after more than one year17 | €6,687 | €1,967 | - | - | - | - |
| Financial debts170/4 | - | €1,967 | - | - | - | - |
| Amounts payable within one year42/48 | €24,483 | €31,601 | €20,576 | €27,145 | €28,989 | ▲ 6.8% |
| Current portion of amounts payable after more than one year42 | - | €4,720 | €1,967 | - | - | - |
| Trade debts44 | €2,400 | €11,835 | €4,544 | €1,532 | €13,362 | ▲ 772% |
| Suppliers440/4 | - | €11,205 | €3,914 | €1,532 | €13,362 | ▲ 772% |
| Bills of exchange payable441 | - | €630 | €630 | - | - | - |
| Taxes, remuneration and social security45 | - | €5,431 | €4,344 | €13,379 | €246 | ▼ 98.2% |
| Taxes450/3 | - | €3,483 | €4,109 | €13,144 | €11 | ▼ 99.9% |
| Remuneration and social security454/9 | - | €1,948 | €235 | €235 | €235 | = |
| Other amounts payable47/48 | - | €9,615 | €9,721 | €12,234 | €15,381 | ▲ 25.7% |
| Accrued charges and deferred income492/3 | - | - | €657 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,873 | €13,454 | €25,022 | €91,470 | €91,312 | ▼ 0.2% |
| + Depreciation and write-downs630 | €6,473 | €12,208 | €12,103 | €13,838 | €19,412 | ▲ 40.3% |
| Operating cash flow (approximation) | €24,346 | €25,662 | €37,125 | €105,308 | €110,725 | ▲ 5.1% |
| Investment in fixed assets (approximation) | - | -€1,793 | -€3,910 | -€23,383 | -€141,800 | ▼ 506% |
| Change in cash | - | €18,586 | €24,728 | €77,679 | -€64,832 | ▼ 183% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
05-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 97 days late
2024
31-12
Financial
Equity above €200,000Eq €258,924 ▲54.5%
6 profitable years in a row build equity to €258,924.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2019net €91,470 ▲266%
Net result €91,470, the highest in the series.
31-12
Financial
Equity above €150,000Eq €167,612 ▲94.6%
5 profitable years in a row build equity to €167,612.
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 4.07
Current ratio from 1.99 to 4.07; short-term debt falls from €31,601 to €20,576.
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 90 days late
2021
31-12
Financial
Weakest financial yearnet €13,454 ▼24.7%
Net result drops to €13,454, the lowest in the series; recovery starts the following year.
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 53 days late
2020
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 80 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Schaarbeek · 1 establishment unit since 2018
Ground area
258 m²
Building footprint
151 m²
Volume, LiDAR
1,538 m³
Parcel 21904B0421/00Y003, Brussels · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Janssens Serrurier
since 20182.290.934.320
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0421/00Y003 | Brussels | 258 m² | 1 · 151 m² | 16.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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 2,545 companies in sector 95290 we hold annual accounts for 419. 292 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
95290Repair and maintenance of other personal and household goods
43221Plumbing work
Contact
Website
www.janssensserrurier.beSchaarbeek
E-mail
janssensserrurier@gmail.comSchaarbeek
Phone
0496755510Schaarbeek
E-invoicing
Reachable via Peppol
Peppol ID
0208:0712625742
Registered
05-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.