LAMTO
ActiveSummary
The computed 12-month bankruptcy probability of LAMTO is 2.3% (moderate). The 2025 annual accounts show equity of €38k and a net result of €-12k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 70% of 13417 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-74
Solvency78▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.74 against 1.74 in 2024; short-term debt: 46.5% and cash: 52.3% of total assets), and 46.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
53.5%
Return on assets
-16.8%
Age of the figures
9 mo
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 d early
2024
25 d late
2023
25 d late
2022
31 d late
2021
122 d late
2020
31 d late
2019
290 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▼ 23.9%
2024 · €50k
2021: €23klowest in 5 years
2022: €33k▲ +44.4% vs 2021
2023: €69k▲ +110% vs 2022highest in 5 years
2024: €50k▼ -27.6% vs 2023
2025: €38k▼ -23.9% vs 2024
2021 → 2025
Total assets
€71k▼ 26.6%
2024 · €96k
2021: €153khighest in 5 years
2022: €132k▼ -13.8% vs 2021
2023: €106k▼ -19.2% vs 2022
2024: €96k▼ -9.5% vs 2023
2025: €71k▼ -26.6% vs 2024lowest in 5 years
2021 → 2025
Net result
€-12k
2024 · €4k
2021: €22khighest in 5 years
2022: €10k▼ -53.9% vs 2021
2023: €-2k▼ -121% vs 2022
2024: €4k▲ +285% vs 2023
2025: €-12k▼ -399% vs 2024lowest in 5 years
2021 → 2025
Working capital
€24k▼ 28.6%
2024 · €34k
2021: €-13klowest in 5 years
2022: €7k▲ +153% vs 2021
2023: €48k▲ +602% vs 2022highest in 5 years
2024: €34k▼ -28.5% vs 2023
2025: €24k▼ -28.6% vs 2024
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€33k▲ 44.4%€69k▲ 110%€50k▼ 27.6%€38k▼ 23.9%
2021: €23klowest in 5 years
2022: €33k▲ +44.4% vs 2021
2023: €69k▲ +110% vs 2022highest in 5 years
2024: €50k▼ -27.6% vs 2023
2025: €38k▼ -23.9% vs 2024
Operating result€31k-€23k▼ 26.8%€-663€27k€-9k
2021: €31khighest in 5 years
2022: €23k▼ -26.8% vs 2021
2023: €-663▼ -103% vs 2022
2024: €27k▲ +4219% vs 2023
2025: €-9k▼ -132% vs 2024lowest in 5 years
Net result€22k-€10k▼ 53.9%€-2k€4k€-12k
2021: €22khighest in 5 years
2022: €10k▼ -53.9% vs 2021
2023: €-2k▼ -121% vs 2022
2024: €4k▲ +285% vs 2023
2025: €-12k▼ -399% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €27k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€13k ▼ 13.4%
Current assets
€57k ▼ 29.1%
Equity and liabilities €71k
Equity
€38k ▼ 23.9%
Debt
€33k ▼ 29.4%
Debt's share of the balance-sheet total falls from 48.4% to 46.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €33k
Cash flow
€-7k▼
2024 · €9k
Current ratio
1.74▲
2024 · 1.74
Quick ratio
1.54▲
2024 · 1.52
Debt to equity
0.87▼
2024 · 0.94
ROE
-31.4%▼
2024 · 8.0%
ROA
-16.8%▼
2024 · 4.1%
Interest coverage
-1.17▼
2024 · 10.31
Debt ≤ 1 year
€33k▼
2024 · €47k
Income taxes
€115▼
2024 · €20k
Staff costs
€80k▼
2024 · €94k
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 · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€96k€71k▼
Fixed assets21/28€15k€13k▼
Tangible fixed assets22/27€7k€5k▼
Furniture and vehicles24€7k€5k▼
Other tangible fixed assets26€189€0▼
Financial fixed assets28€9k€9k=
Current assets29/58€81k€57k▼
Stocks and contracts in progress3€10k€7k▼
Stocks30/36€10k€7k▼
Amounts receivable within one year40/41€2k€10k▲
Trade receivables40€690€5k▲
Other amounts receivable41€1k€5k▲
Cash at bank and in hand54/58€67k€37k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€96k€71k▼
Equity10/15€50k€38k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€31k€19k▼
Amounts payable17/49€47k€33k▼
Amounts payable within one year42/48€47k€33k▼
Trade debts44€14k€23k▲
Suppliers440/4€14k€23k▲
Taxes, remuneration and social security45€17k€9k▼
Taxes450/3€10k€4k▼
Remuneration and social security454/9€7k€6k▼
Other amounts payable47/48€16k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€94k€80k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€964€251▼
Gross operating margin9900€128k€77k▼
Operating profit (loss)9901€27k€-9k▼
Financial income75/76B€98€157▲
Recurring financial income75€98€157▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€24k€-12k▼
Income taxes67/77€20k€115▼
Profit (loss) for the period9904€4k€-12k▼
Profit (loss) for the period to be appropriated9905€4k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€19k▼
Profit (loss) brought forward from the previous period14P€50k€31k▼
Shareholders' contribution to the loss794€0-
Profit to be distributed694/7€23k€0▼
Return on contributions (dividend)694€23k€0▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €848 | €0 | - | - | - |
| Remuneration, social security and pensions62 | €24k | €40k | €78k | €94k | €80k | ▼ 14.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €11k | €5k | €5k | €5k | ▼ 2.8% |
| Other operating charges640/8 | €2k | €1k | €1k | €964 | €251 | ▼ 74.0% |
| Gross operating margin9900 | €67k | €75k | €84k | €128k | €77k | ▼ 39.6% |
| Operating profit (loss)9901 | €31k | €23k | €-663 | €27k | €-9k | ▼ 132% |
| Financial income75/76B | €5 | €23 | €0 | €98 | €157 | ▲ 60.5% |
| Recurring financial income75 | €5 | €23 | €0 | €98 | €157 | ▲ 60.5% |
| Financial charges65/66B | €2k | €3k | €3k | €3k | €3k | ▼ 1.0% |
| Recurring financial charges65 | €2k | €3k | €3k | €3k | €3k | ▼ 1.0% |
| Profit (loss) for the period before taxes9903 | €29k | €20k | €-4k | €24k | €-12k | ▼ 148% |
| Income taxes67/77 | €7k | €10k | €-1k | €20k | €115 | ▼ 99.4% |
| Profit (loss) for the period9904 | €22k | €10k | €-2k | €4k | €-12k | ▼ 399% |
| Profit (loss) for the period to be appropriated9905 | €22k | €10k | €-2k | €4k | €-12k | ▼ 399% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €153k | €132k | €106k | €96k | €71k | ▼ 26.6% |
| Fixed assets21/28 | €36k | €26k | €21k | €15k | €13k | ▼ 13.4% |
| Tangible fixed assets22/27 | €27k | €17k | €12k | €7k | €5k | ▼ 30.3% |
| Furniture and vehicles24 | €26k | €16k | €11k | €7k | €5k | ▼ 28.3% |
| Other tangible fixed assets26 | €820 | €1k | €682 | €189 | €0 | ▼ 100% |
| Financial fixed assets28 | €9k | €9k | €9k | €9k | €9k | = |
| Current assets29/58 | €117k | €106k | €86k | €81k | €57k | ▼ 29.1% |
| Stocks and contracts in progress3 | €1k | €2k | €6k | €10k | €7k | ▼ 34.6% |
| Stocks30/36 | €1k | €2k | €6k | €10k | €7k | ▼ 34.6% |
| Amounts receivable within one year40/41 | €49k | €28k | €25k | €2k | €10k | ▲ 488% |
| Trade receivables40 | €48k | €21k | €24k | €690 | €5k | ▲ 690% |
| Other amounts receivable41 | €979 | €8k | €1k | €1k | €5k | ▲ 360% |
| Cash at bank and in hand54/58 | €67k | €73k | €50k | €67k | €37k | ▼ 44.6% |
| Deferred charges and accrued income490/1 | - | €2k | €5k | €2k | €3k | ▲ 48.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €153k | €132k | €106k | €96k | €71k | ▼ 26.6% |
| Equity10/15 | €23k | €33k | €69k | €50k | €38k | ▼ 23.9% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Profit (loss) carried forward14 | €4k | €14k | €50k | €31k | €19k | ▼ 38.2% |
| Amounts payable17/49 | €130k | €99k | €38k | €47k | €33k | ▼ 29.4% |
| Amounts payable within one year42/48 | €130k | €99k | €38k | €47k | €33k | ▼ 29.4% |
| Trade debts44 | €75k | €37k | €32k | €14k | €23k | ▲ 68.8% |
| Suppliers440/4 | €75k | €37k | €32k | €14k | €23k | ▲ 68.8% |
| Taxes, remuneration and social security45 | €15k | €9k | €6k | €17k | €9k | ▼ 43.4% |
| Taxes450/3 | €13k | €9k | €0 | €10k | €4k | ▼ 61.8% |
| Remuneration and social security454/9 | €2k | €0 | €6k | €7k | €6k | ▼ 16.8% |
| Other amounts payable47/48 | €39k | €53k | €0 | €16k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22k | €10k | €-2k | €4k | €-12k | ▼ 399% |
| + Depreciation and write-downs630 | €10k | €11k | €5k | €5k | €5k | ▼ 2.8% |
| Operating cash flow (approximation) | €32k | €21k | €3k | €9k | €-7k | ▼ 173% |
| Investment in fixed assets (approximation) | - | €-848 | €0 | €0 | €-3k | - |
| Change in cash | - | €6k | €-22k | €16k | €-30k | ▼ 283% |
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
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 25 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 2.27
Current ratio from 1.07 to 2.27; short-term debt falls from €99k to €38k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
17-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 290 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 91 days late
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 122 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Brussel · 1 establishment unit since 1992
Ground area
80 m²
Building footprint
79 m²
Volume, LiDAR
753 m³
Parcel 21806F0292/00E009, Brussels · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
LA BAIE D'HA-LONG
since 19922.056.317.846
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0292/00E009 | Brussels | 80 m² | 1 · 79 m² | 16.4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.056.317.846
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,776. 8,459 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
Founded20-09-1991
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Scores and ratios are computed by Checked and are not a credit decision.