LUC LAMY
ActiveLUC LAMY has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.51M and a net result of €121k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 87% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+4
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 8.95 against 8.95 in 2024; short-term debt: 7.4% and cash: 3.3% of total assets), and 11.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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 2025Solvency, return and age of the figures
Solvency
88.1%
Return on assets
4.2%
Age of the figures
9 mo
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
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
50 d early
2023
63 d early
2022
41 d early
2021
3 d late
2020
2 d early
2019
18 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€121k▲ 171%
2024 · €45k
2018: €213k
2019: €116k
2020: €278k
2021: €316k
2022: €540k
2023: €1.79M
2024: €45k
2018 → 2025
Working capital
€1.67M▼ 29.8%
2024 · €2.38M
2018: €-113k
2019: €47k
2020: €72k
2021: €160k
2022: €785k
2023: €2.89M
2024: €2.38M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.39M-€1.84M▲ 32.4%€3.58M▲ 94.2%€3.10M▼ 13.4%€2.51M▼ 19.0%
Operating result€484k-€406k▼ 16.1%€278k▼ 31.5%€71k▼ 74.3%€16k▼ 77.7%
Net result€316k-€540k▲ 70.8%€1.79M▲ 232%€45k▼ 97.5%€121k▲ 171%
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 78% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.85M
Fixed assets
€967k▲ 0.7%
Current assets
€1.88M▼ 29.8%
Equity and liabilities €2.85M
Equity
€2.51M▼ 19.0%
Debt
€338k▼ 37.7%
The debt ratio falls from 14.9% to 11.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€68k▼
2024 · €112k
Cash flow
€173k▲
2024 · €86k
Solvency
88.1%▲
2024 · 85.1%
Current ratio
8.95=
2024 · 8.95
Quick ratio
8.95=
2024 · 8.95
Debt / equity
0.13▼
2024 · 0.17
ROE
4.8%▲
2024 · 1.4%
ROA
4.2%▲
2024 · 1.2%
Interest coverage
8.18▼
2024 · 13.34
Debt
€338k▼
2024 · €543k
Debt ≤ 1 year
€211k▼
2024 · €300k
Debt > 1 year
€128k▼
2024 · €243k
Income taxes
€56k▲
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.64M€2.85M▼
Fixed assets21/28€960k€967k▲
Tangible fixed assets22/27€959k€966k▲
Land and buildings22€946k€910k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€9k€53k▲
Financial fixed assets28€975€975=
Current assets29/58€2.68M€1.88M▼
Amounts receivable within one year40/41€203k€599k▲
Trade receivables40€103k€21k▼
Other amounts receivable41€100k€578k▲
Current investments50/53€2.25M€1.18M▼
Cash at bank and in hand54/58€221k€93k▼
Deferred charges and accrued income490/1€11k€12k▲
Equity and liabilities
Total equity and liabilities10/49€3.64M€2.85M▼
Equity10/15€3.10M€2.51M▼
Contributions10/11€12k€12k=
Reserves13€3.09M€2.50M▼
Distributable reserves133€3.09M€2.50M▼
Amounts payable17/49€543k€338k▼
Amounts payable after more than one year17€243k€128k▼
Financial debts170/4€243k€128k▼
Amounts payable within one year42/48€300k€211k▼
Current portion of amounts payable after more than one year42€118k€115k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€179k€94k▼
Taxes450/3€179k€94k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€52k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€117k€72k▼
Operating profit (loss)9901€71k€16k▼
Financial income75/76B€3k€170k▲
Recurring financial income75€3k€170k▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€66k€178k▲
Income taxes67/77€21k€56k▲
Profit (loss) for the period9904€45k€121k▲
Profit (loss) for the period to be appropriated9905€45k€121k▲
Appropriation of the result
Profit (loss) to be appropriated9906€370k€121k▼
Profit (loss) brought forward from the previous period14P€325k-
Transfer from equity791/2€200k€710k▲
Transfer to equity691/2€45k€121k▲
To other reserves6921€45k€121k▲
Profit to be distributed694/7€525k€710k▲
Return on contributions (dividend)694€525k€710k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €45k ▼97.5%
Net result drops to €45k, the lowest in the series; recovery starts the following year.
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €1.79M ▲232%
Net result €1.79M, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 10.67
Current ratio from 3.43 to 10.67; short-term debt falls from €323k to €299k.
31-12
Financial
Equity above €2MEq €3.58M ▲94.2%
6 profitable years in a row build equity to €3.58M.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 3.43
Current ratio from 1.56 to 3.43.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €1MEq €1.18M ▲17.8%
3 profitable years in a row build equity to €1.18M.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Rixensart · 1 establishment unit since 2009
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Avenue Gevaert 1651332 RixensartGround area
377 m²
Building footprint
205 m²
Volume, LiDAR
1,523 m³
2 parcels, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Luc Lamy
since 20092.178.342.361
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25033C0752/00A000 | Wallonia | 229 m² | 1 · 49 m² | 9.6 m · 3 fl. |
| 25033B0012/00D000 | Wallonia | 148 m² | 1 · 156 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
699400C27VZUA9UF5G47
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,639. 2,600 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2009
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.