Equity
€37,796 from €68,585 in 2023
Equity fell by 45% in 2 years.
LAMTO
Lifetime
17 annual accounts with figures on one time axis, 28 filings since 1998peak €127,629 (2024)
€77,062▼ 39.6%
lowest -€11,860 (2025)
-€11,860▼ €15,830
peak €68,585 (2023)
€37,796▼ 23.9%
€32,901▼ 29.4%
peak 1.6 FTE (2015)
-not published
Board2 names since 2024
1 directorPHAM THI Hien
Documentsfilings and deeds
28-07-20263 days before the deadline
2025micro format
Gross margin from €127,629 to €77,062Loss of €11,860Resignation: DUONG Hon Long (manager) 14-05Equity from €49,656 to €37,796Debts from €46,603 to €32,901Cash from €66,683 to €36,975
Key points
from the 2025 annual accountsTurnover
≈ €290,000 estimated
The micro format states no turnover.
Staff
2 employees on 31-12-2025
In 2025, 1 person joined and 2 left.
Filings
28 annual accounts since 1998
Nine of the last ten came late. The 2019 accounts came latest: 290 days after the end of the period.
At the same address
10 companies
Position in the sector
-€11,860
Lower net result than 81% of companies in food and beverage service. Sector median €4,887 · 17,129 companies.
Checked score
81
Excellent
Financially stronger than 46% of micro companies in food and beverage service (NACE 56)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.5%▼ -0.1 percentage points vs 05-2025
07-2025: 0.6%▲ +0.1 percentage points vs 06-2025
08-2025: 0.8%▲ +0.2 percentage points vs 07-2025highest value
09-2025: 0.3%▼ -0.5 percentage points vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.2%▼ -0.1 percentage points vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026lowest value
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.3 percentage points vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Loss of €11,860 (financial year 2025)
lowers risk
Liquidity: current ratio 1.74, cash €36,975
Equity €37,796 (53.5% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 71% of them on solvency, 80% on liquidity, 8% on profitability and 23% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as LAMTO has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of LAMTO itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for LAMTO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.74 (1.74 in 2024), above the usual 1.5. Short-term debt is 46.5% and cash 52.3% of total assets. 46.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 days early
2024
25 days late
2023
25 days late
2022
31 days late
2021
122 days late
2020
31 days late
2019
290 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 74 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% 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 26 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0445112808
Resignation: DUONG Hon Long (manager)
Appointment: PHAM THI Hien (director) · Director discharge: DUONG Hon Long · General meeting of 09-05-2025 · Gazette deed
First establishment
LA BAIE D'HA-LONG, Stevinstraat 180, Brussels
Incorporation
published on 08-10-1991 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LAMTO Brussels | €70,697 | €77,062 | 53.5% | - |
| BE COOL Namur | €72,697 | €82,990 | -29.4% | - |
| AU P'TIT CREUX Waimes | €76,508 | €79,371 | 22.9% | - |
| L'ALLECHANTE Herve | €76,158 | €70,877 | 75.0% | - |
| FRITERIE DU PONT Namur | €66,032 | €82,936 | 66.9% | - |
| MAT & CO Charleroi | €71,294 | €67,348 | 69.4% | - |
| C.MEGAMA'S Brussels | €64,665 | €83,068 | 70.0% | - |
These companies have the same main activity as LAMTO: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €64,700 and €76,500, founded between 1993 and 1998.
Official details
Source: KBO- Status
- Active since 20-09-1991Normal situation
- Registered office
- 11 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112and 1 other
- Establishment unit
- 2.056.317.8461000 Brussels, since 21-02-1992
- Financial year end
- 31 December
- Peppol
- Reachable since 05-02-2026
Annual accounts 2025
- €70,697▼ 26.6%
- Employeeson 31-12-2025
- 2▼ 33.3%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on LAMTO
LAMTO files the micro format. That format states no turnover. The gross margin rose from €38,562 in 2009 to €77,062 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LAMTO
- What is the company number of LAMTO?
- The company number of LAMTO is 0445.112.808. The VAT number is the same number with BE in front: BE 0445.112.808.
- Where is LAMTO based?
- The registered office is at Stevinstraat 180, 1000 Brussels.Company details
- What does LAMTO do?
- According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
- What is the legal form of LAMTO?
- LAMTO is a private limited company (BV).
- When was LAMTO founded?
- LAMTO was founded on 20-09-1991.
- Is LAMTO still active?
- Yes, LAMTO is an active enterprise in the KBO register.
- How many employees does LAMTO have?
- LAMTO had an average of 2.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of LAMTO?
- The turnover in financial year 2025 is ≈ €290,000. This figure is estimated from the gross margin of €77,062 and 90 comparable companies (NACE 56112). It probably lies between €210,000 and €340,000. In financial year 2019 turnover was €220,045.
- Is LAMTO profitable?
- In financial year 2025, LAMTO made a loss of €11,860.
- Where can I find the annual accounts of LAMTO?
- LAMTO filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LAMTO due?
- LAMTO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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