M. Lamers
ActiveM. Lamers has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €-6k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
62
/ 100
Healthy▼ -23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-60
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 6.87 against 6.19 in 2024), and 14.6% of the assets are financed with debt.
Credit advice 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
85.4%
Return on assets
-8.4%
Age of the figures
8 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 02-07-2026, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
29 d early
2024
37 d early
2023
35 d early
2022
28 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▼ 8.9%
2024 · €72k
2022: €35k
2023: €64k
2024: €72k
2022 → 2025
Total assets
€77k▼ 10.7%
2024 · €86k
2022: €45k
2023: €86k
2024: €86k
2022 → 2025
Net result
€-6k
2024 · €9k
2022: €32k
2023: €29k
2024: €9k
2022 → 2025
Working capital
€66k▼ 8.9%
2024 · €72k
2022: €35k
2023: €64k
2024: €72k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€35k-€64k▲ 82.3%€72k▲ 13.8%€66k▼ 8.9%
Operating result€45k-€40k▼ 11.3%€12k▼ 69.4%€-6k
Net result€32k-€29k▼ 11.4%€9k▼ 69.5%€-6k
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 €6k after €12k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €77k
Equity
€66k▼ 8.9%
Debt
€11k▼ 19.5%
The debt ratio falls from 16.2% to 14.6%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
85.4%▲
2024 · 83.8%
Current ratio
6.87▲
2024 · 6.19
Quick ratio
6.87▲
2024 · 6.19
Debt / equity
0.17▼
2024 · 0.19
ROE
-9.8%▼
2024 · 12.1%
ROA
-8.4%▼
2024 · 10.1%
Debt
€11k▼
2024 · €14k
Debt ≤ 1 year
€11k▼
2024 · €14k
Income taxes
€0▼
2024 · €3k
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€86k€77k▼
Current assets29/58€86k€77k▼
Amounts receivable within one year40/41€18k€550▼
Trade receivables40€18k€0▼
Other amounts receivable41€215€550▲
Cash at bank and in hand54/58€68k€77k▲
Equity and liabilities
Total equity and liabilities10/49€86k€77k▼
Equity10/15€72k€66k▼
Contributions10/11€3k€3k=
Reserves13€70k€70k=
Distributable reserves133€70k€70k=
Profit (loss) carried forward14-€-6k
Amounts payable17/49€14k€11k▼
Amounts payable within one year42/48€14k€11k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€6k€0▼
Taxes450/3€6k€0▼
Other amounts payable47/48€6k€8k▲
Income statement
Code20242025
Other operating charges640/8€562€527▼
Gross operating margin9900€13k€-6k▼
Operating profit (loss)9901€12k€-6k▼
Financial charges65/66B€46€55▲
Recurring financial charges65€46€55▲
Profit (loss) for the period before taxes9903€12k€-6k▼
Income taxes67/77€3k€0▼
Profit (loss) for the period9904€9k€-6k▼
Profit (loss) for the period to be appropriated9905€9k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-6k▼
Transfer to equity691/2€9k€0▼
To other reserves6921€9k€0▼
The notes to these accounts (1 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-6k ▼174%
Net result drops to €-6k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hamont-Achel · 1 establishment unit since 2021
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.
Heerstraat 93930 Hamont-AchelGround area
1,122 m²
Building footprint
171 m²
Volume, LiDAR
857 m³
Parcel 72012A1130/00G002, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M. Lamers
since 20212.324.208.486
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72012A1130/00G002 | Flanders | 1,122 m² | 1 · 171 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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DAILY PLANET
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BIRDS MANAGEMENT
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 39,291 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70100Activities of head offices
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.