LAMY CONSTRUCTION
ActiveSummary
LAMY CONSTRUCTION has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €4.64M and a net result of €96k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 32% of 1290 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability32=
Solvency44▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.06 in 2023; short-term debt: 80.7% and cash: 0.6% of total assets), and 81.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more 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
18.8%
Return on assets
0.4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
67 d late
2022
60 d late
2021
78 d late
2020
31 d late
2019
122 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
€8.36M
EBIT margin
5.4%
Net result
€96k▲ 17.2%
2023 · €82k
Working capital
€1.17M▲ 8.8%
2023 · €1.07M
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
Line20202021202220232024
Turnover
Operating result€318k▲ 41.5%€366k▲ 15.0%€653k▲ 78.6%€604k▼ 7.6%€746k▲ 23.6%
Net result€91k▲ 19.6%€100k▲ 10.4%€204k▲ 104%€82k▼ 59.7%€96k▲ 17.2%
EBIT margin
Equity€4.15M▲ 2.2%€4.25M▲ 2.4%€4.46M▲ 4.8%€4.54M▲ 1.8%€4.64M▲ 2.1%
Total assets€20.03M▼ 0.2%€21.94M▲ 9.5%€23.36M▲ 6.5%€21.55M▼ 7.8%€24.72M▲ 14.7%
Debt€15.88M▼ 0.9%€17.69M▲ 11.4%€18.91M▲ 6.9%€17.01M▼ 10.0%€20.08M▲ 18.1%
Working capital€853k▼ 54.9%€861k▲ 1.0%€1.14M▲ 32.5%€1.07M▼ 6.1%€1.17M▲ 8.8%
Staff (FTE)11.3▼ 31.5%6.4▼ 43.4%5.8▼ 9.4%3.8▼ 34.5%5▲ 31.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 24% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €24.72M
Fixed assets
€3.61M ▼ 1.7%
Current assets
€21.11M ▲ 18.1%
Equity and liabilities €24.72M
Equity
€4.64M ▲ 2.1%
Debt
€20.08M ▲ 18.1%
Debt's share of the balance-sheet total rises from 78.9% to 81.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.01M▲
2023 · €882k
Cash flow
€365k▲
2023 · €360k
Current ratio
1.06▼
2023 · 1.06
Quick ratio
0.67▼
2023 · 0.77
Debt to equity
4.33▲
2023 · 3.75
ROE
2.1%▲
2023 · 1.8%
ROA
0.4%▲
2023 · 0.4%
Interest coverage
1.50▼
2023 · 1.59
Debt ≤ 1 year
€19.94M▲
2023 · €16.80M
Debt > 1 year
€102k▼
2023 · €176k
Income taxes
€49k▲
2023 · €33k
Staff costs
€271k▲
2023 · €217k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €216k | €242k | €217k | €271k | ▲ 25.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €209k | €231k | €247k | €278k | €268k | ▼ 3.4% |
| Other operating charges640/8 | - | €38k | €47k | €21k | €16k | ▼ 24.4% |
| Non-recurring operating charges66A | - | €344k | €495 | - | - | - |
| Gross operating margin9900 | €1.09M | €1.19M | €1.19M | €1.12M | €1.30M | ▲ 16.3% |
| Operating profit (loss)9901 | €318k | €366k | €653k | €604k | €746k | ▲ 23.6% |
| Financial income75/76B | - | €19k | €23k | €66k | €77k | ▲ 16.8% |
| Recurring financial income75 | €27k | €19k | €23k | €66k | €77k | ▲ 16.8% |
| Non-recurring financial income76B | - | €0 | - | - | - | - |
| Financial charges65/66B | - | €240k | €399k | €555k | €678k | ▲ 22.3% |
| Recurring financial charges65 | €207k | €240k | €399k | €555k | €678k | ▲ 22.3% |
| Profit (loss) for the period before taxes9903 | €138k | €145k | €277k | €115k | €145k | ▲ 26.1% |
| Income taxes67/77 | €48k | €45k | €73k | €33k | €49k | ▲ 48.2% |
| Profit (loss) for the period9904 | €91k | €100k | €204k | €82k | €96k | ▲ 17.2% |
| Profit (loss) for the period to be appropriated9905 | €91k | €100k | €204k | €82k | €96k | ▲ 17.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €20.03M | €21.94M | €23.36M | €21.55M | €24.72M | ▲ 14.7% |
| Fixed assets21/28 | €3.63M | €3.67M | €3.61M | €3.67M | €3.61M | ▼ 1.7% |
| Tangible fixed assets22/27 | €3.58M | €3.61M | €3.55M | €3.60M | €3.55M | ▼ 1.4% |
| Land and buildings22 | - | €3.36M | €3.19M | €3.01M | €2.85M | ▼ 5.4% |
| Plant, machinery and equipment23 | - | €64k | €218k | €233k | €184k | ▼ 21.2% |
| Furniture and vehicles24 | - | €86k | €90k | €61k | €80k | ▲ 32.3% |
| Other tangible fixed assets26 | - | €100k | €53k | €293k | €434k | ▲ 48.0% |
| Financial fixed assets28 | €59k | €59k | €59k | €71k | €58k | ▼ 17.5% |
| Current assets29/58 | €16.40M | €18.27M | €19.75M | €17.88M | €21.11M | ▲ 18.1% |
| Amounts receivable after more than one year29 | - | - | - | - | €2.40M | - |
| Trade receivables290 | - | - | - | - | €2.40M | - |
| Stocks and contracts in progress3 | €6.26M | €6.01M | €6.50M | €4.95M | €7.72M | ▲ 56.1% |
| Stocks30/36 | - | €6.01M | €6.50M | €4.95M | €7.72M | ▲ 56.1% |
| Amounts receivable within one year40/41 | €6.77M | €9.68M | €11.01M | €11.07M | €9.22M | ▼ 16.7% |
| Trade receivables40 | - | €4.24M | €5.09M | €4.37M | €2.74M | ▼ 37.2% |
| Other amounts receivable41 | - | €5.44M | €5.92M | €6.70M | €6.48M | ▼ 3.3% |
| Cash at bank and in hand54/58 | €624k | €88k | €122k | €125k | €137k | ▲ 9.2% |
| Deferred charges and accrued income490/1 | - | €2.49M | €2.12M | €1.74M | €1.63M | ▼ 6.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €20.03M | €21.94M | €23.36M | €21.55M | €24.72M | ▲ 14.7% |
| Equity10/15 | €4.15M | €4.25M | €4.46M | €4.54M | €4.64M | ▲ 2.1% |
| Contributions10/11 | €800k | €800k | €800k | €800k | €800k | = |
| Capital10 | - | €800k | €800k | €800k | €800k | = |
| Issued capital100 | - | €800k | €800k | €800k | €800k | = |
| Reserves13 | €3.26M | €3.26M | €3.26M | €3.26M | €3.26M | = |
| Non-distributable reserves130/1 | - | €80k | €80k | €80k | €80k | = |
| Legal reserve130 | - | €80k | €80k | €80k | €80k | = |
| Distributable reserves133 | - | €3.18M | €3.18M | €3.18M | €3.18M | = |
| Profit (loss) carried forward14 | €91k | €191k | €396k | €478k | €574k | ▲ 20.2% |
| Amounts payable17/49 | €15.88M | €17.69M | €18.91M | €17.01M | €20.08M | ▲ 18.1% |
| Amounts payable after more than one year17 | €323k | €253k | €239k | €176k | €102k | ▼ 41.9% |
| Financial debts170/4 | - | €253k | €239k | €176k | €102k | ▼ 41.9% |
| Amounts payable within one year42/48 | €15.55M | €17.41M | €18.61M | €16.80M | €19.94M | ▲ 18.7% |
| Current portion of amounts payable after more than one year42 | - | €256k | €274k | €277k | €152k | ▼ 45.3% |
| Financial debts43 | - | €11.29M | €10.53M | €10.82M | €12.10M | ▲ 11.8% |
| Credit institutions430/8 | - | €11.29M | €10.53M | €10.82M | €12.10M | ▲ 11.8% |
| Trade debts44 | €2.88M | €2.25M | €2.46M | €1.41M | €3.56M | ▲ 153% |
| Suppliers440/4 | - | €2.25M | €2.46M | €1.41M | €3.56M | ▲ 153% |
| Advances received on contracts in progress46 | - | €375k | €417k | €183k | €88k | ▼ 51.8% |
| Taxes, remuneration and social security45 | - | €314k | €601k | €338k | €372k | ▲ 10.3% |
| Taxes450/3 | - | €306k | €584k | €325k | €335k | ▲ 3.0% |
| Remuneration and social security454/9 | - | €8k | €17k | €13k | €38k | ▲ 197% |
| Other amounts payable47/48 | - | €2.92M | €4.33M | €3.78M | €3.67M | ▼ 2.9% |
| Accrued charges and deferred income492/3 | - | €27k | €56k | €28k | €37k | ▲ 30.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €91k | €100k | €204k | €82k | €96k | ▲ 17.2% |
| + Depreciation and write-downs630 | €209k | €231k | €247k | €278k | €268k | ▼ 3.4% |
| Operating cash flow (approximation) | €300k | €332k | €452k | €360k | €365k | ▲ 1.3% |
| Investment in fixed assets (approximation) | - | €-266k | €-188k | €-339k | €-206k | ▲ 39.4% |
| Change in cash | - | €-536k | €34k | €3k | €11k | ▲ 274% |
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
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 70 days late
2024
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 67 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 60 days late
2022
31-12
Financial
Highest result since 2018net €204k ▲104%
Net result €204k, the highest in the series.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 78 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €76k ▼60.9%
Net result drops to €76k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
11-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 164 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 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, Dison · 1 establishment unit since 1983
Ground area
2.8 ha
Building footprint
299 m²
Volume, LiDAR
2,206 m³
2 parcels, Wallonia · tallest building 11.5 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Rue Gomélevay 52, 4870 Trooz
since 19832.023.452.860
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63002A0099/00H000 | Wallonia | 2.1 ha | 1 · 176 m² | 7.9 m · 2 fl. |
| 62076B0007/00N002 ProtectedMonument |
Wallonia | 7,202 m² | 1 · 123 m² | 11.5 m · 4 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 2,075 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded04-11-1983
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
22240Manufacture of rubber and plastic products
68310Real estate agency activities
Contact
Scores and ratios are computed by Checked and are not a credit decision.