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LAUMAT

Active
Private limited company (pre-2019)founded 1982active for 44 yearsFotografielaan 26, 2610 Antwerpen, BelgiumKBO/BCE: BE 0422.451.925
Summary

The computed 12-month bankruptcy probability of LAUMAT is 5.7% (elevated). The 2024 annual accounts show negative equity (-€50,775) and a net result of -€10,931. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 15,490 sector peers (NACE 46, financial year 2024). The company has been active since 1982 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Wholesale trade
NACE 46841
1 site
Size
€79,433total assets 2024
Equity
-€50,775
Loss
-€10,931
Turnover not published (micro format)
Financial health
34 Weak Checked score 2024
Bankruptcy probabilitywithin 12 months
5.7%
Structure
Accounts 74 days overdue0 of 4 deeds read
Why 34raises risk1 financial year not filed after the legal deadline; latest accounts 385 days late; 3 of the last 3 lateLiquidity: current ratio 0.61, cash €22lowers riskFounded in 1982Size: total assets €79,433Show the evidence

Checked score

Score 2024
34 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 9% of its sector peers (NACE 46, micro)
Financial strength · tick = 2023
Weak
Solvency 0=
equity -63.9% of total assets
Liquidity 0=
short-term debt 163.9% · cash 0.0%
Profitability 3+3
return on assets -13.8%
Bankruptcy probability, 12 months
5.7% Elevated
0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,874 companies, NACE 46, micro)
Last 24 months 11-2024: 4.5%lowest value 12-2024: 5.3%▲ +0.8 percentage points vs 11-2024 01-2025: 8.3%▲ +3.0 percentage points vs 12-2024 02-2025: 8.3%● unchanged vs 01-2025 03-2025: 8.9%▲ +0.6 percentage points vs 02-2025 04-2025: 8.2%▼ -0.7 percentage points vs 03-2025 05-2025: 8.2%● unchanged vs 04-2025 06-2025: 8.2%● unchanged vs 05-2025 07-2025: 8.2%● unchanged vs 06-2025 08-2025: 10.7%▲ +2.5 percentage points vs 07-2025 09-2025: 10.7%● unchanged vs 08-2025 10-2025: 10.7%● unchanged vs 09-2025 11-2025: 10.7%● unchanged vs 10-2025 12-2025: 10.7%● unchanged vs 11-2025 01-2026: 11.1%▲ +0.4 percentage points vs 12-2025 02-2026: 11.1%● unchanged vs 01-2026 03-2026: 11.6%▲ +0.5 percentage points vs 02-2026 04-2026: 10.8%▼ -0.8 percentage points vs 03-2026 05-2026: 10.8%● unchanged vs 04-2026 06-2026: 10.8%● unchanged vs 05-2026 07-2026: 10.8%● unchanged vs 06-2026 08-2026: 13.2%▲ +2.4 percentage points vs 07-2026highest value 09-2026: 5.5%▼ -7.7 percentage points vs 08-2026 10-2026: 5.7%▲ +0.2 percentage points vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.61, compared with 0.7 in 2023, below 1; short-term debt: 163.9% and cash: 0% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 46, micro): better than 6% on solvency, 2% on liquidity, 13% on profitability and 16% on growth.

The bankruptcy probability was computed on 13-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises risk
raises risk · 1 financial year not filed after the legal deadline; latest accounts 385 days late; 3 of the last 3 late
NBB · filings
lowers risk · Founded in 1982
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Liquidity: current ratio 0.61, cash €22
NBB · annual accounts
lowers risk · Size: total assets €79,433
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year -€50,775
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 74 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline13-10-2026 today
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 20-08-2026, 385 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
385 days late
2023
508 days late
2022
413 days late
2021
768 days late
2020
67 days early
2019
32 days early
← 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 329 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Annual accounts filedfinancial year 2023 · micro…
  3. Annual accounts filedfinancial year 2022 · micro…

Key points

  • Risk: Negative equityfinancial year 2024: debts exceed assets -€50,775 View
  • Risk: 4 loss-making years in a rowloss financial year 2024 -€10,931 View
  • Caution: Among the weakest 10% on equitysector median €56,300 · 15,526 companies -€50,775 View
  • Caution: Accounts not fileddeadline was 31-07-2026 74 days late View

By topic

Financials

Financial year
2024
Total assets
€79,433
Loss
-€10,931
Solvency
-63.9%
Total assets▼ 13.6%
Net result
20182024
Go to Financials

Timeline

Events
36
Since
1983
  1. 06-09-2024Annual accounts filed
  2. 31-12-2023Weakest financial year
  3. 25-05-2021Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Wholesale tradeNACE 46841
Founded
08-03-1982
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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