MARI LAMY
ActiveThe computed 12-month bankruptcy probability of MARI LAMY is 1.6% (moderate). The 2024 annual accounts show negative equity (€-43k) and a net result of €7k. Equity is growing by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 10% of 26052 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
42
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▲+29
Solvency0=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.07 against 0.06 in 2023; short-term debt: 97.8% and cash: 2.4% of total assets), and equity is negative.
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
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 2024Solvency, return and age of the figures
Solvency
-83.1%
Return on assets
12.7%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 26052 sector peers (2024).
NBB · sector comparisonPosition among 26052 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
9 d early
2023
12 d early
2022
31 d late
2021
11 d early
2020
32 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-43k▲ 13.2%
2023 · €-50k
2018: €-51k
2019: €-51k
2020: €-48k
2021: €-47k
2022: €-51k
2023: €-50k
2018 → 2024
Total assets
€52k▼ 11.9%
2023 · €59k
2018: €97k
2019: €89k
2020: €81k
2021: €78k
2022: €65k
2023: €59k
2018 → 2024
Net result
€7k▲ 884%
2023 · €670
2018: €3k
2019: €461
2020: €3k
2021: €1k
2022: €-3k
2023: €670
2018 → 2024
Working capital
€-47k▲ 10.9%
2023 · €-53k
2018: €-56k
2019: €-54k
2020: €-50k
2021: €-49k
2022: €-53k
2023: €-53k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-48k-€-47k▲ 2.7%€-51k▼ 7.4%€-50k▲ 1.3%€-43k▲ 13.2%
Operating result€6k-€5k▼ 19.0%€-732€3k€9k▲ 198%
Net result€3k-€1k▼ 49.4%€-3k€670€7k▲ 884%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 198% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €52k
Fixed assets
€48k▼ 13.3%
Current assets
€4k▲ 12.1%
Key figures and ratios
EBITDA
€17k▲
2023 · €10k
Cash flow
€14k▲
2023 · €8k
Solvency
-83.1%▲
2023 · -84.4%
Current ratio
0.07▲
2023 · 0.06
Quick ratio
0.06▲
2023 · 0.05
Debt / equity
-2.20▼
2023 · -2.18
ROA
12.7%▲
2023 · 1.1%
Interest coverage
6.57▲
2023 · 4.34
Debt
€95k▼
2023 · €109k
Debt ≤ 1 year
€51k▼
2023 · €56k
Debt > 1 year
€44k▼
2023 · €53k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€59k€52k▼
Fixed assets21/28€56k€48k▼
Tangible fixed assets22/27€56k€48k▼
Land and buildings22€56k€48k▼
Financial fixed assets28€195€195=
Current assets29/58€3k€4k▲
Stocks and contracts in progress3€298€753▲
Stocks30/36€298€753▲
Amounts receivable within one year40/41€41€0▼
Trade receivables40€0-
Other amounts receivable41€41€0▼
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€59k€52k▼
Equity10/15€-50k€-43k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-69k€-62k▲
Amounts payable17/49€109k€95k▼
Amounts payable after more than one year17€53k€44k▼
Financial debts170/4€53k€44k▼
Amounts payable within one year42/48€56k€51k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€11k€7k▼
Suppliers440/4€11k€7k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€35k€33k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€2k€3k▲
Gross operating margin9900€13k€20k▲
Operating profit (loss)9901€3k€9k▲
Financial income75/76B€26€1▼
Recurring financial income75€26€1▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€670€7k▲
Profit (loss) for the period9904€670€7k▲
Profit (loss) for the period to be appropriated9905€670€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-69k€-62k▲
Profit (loss) brought forward from the previous period14P€-69k€-69k▲
Transfer from equity791/2€0-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €7k ▲884%
Operating result €9k, net result €7k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €670
Net result €670 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-3k ▼368%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
01-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lichtervelde · 2 establishment units since 2011
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.
Spinnekens Ambacht 68810 LichterveldeGround area
500 m²
Building footprint
150 m²
Volume, LiDAR
1,056 m³
2 parcels, Flanders · tallest building 16.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
The Outletstore
since 20112.200.714.620
The Outletstore
since 20112.200.716.204
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36011C0158/00Y000 | Flanders | 437 m² | 1 · 87 m² | 7.8 m · 2 fl. |
| 36015A0262/00W000 | Flanders | 63 m² | 1 · 63 m² | 16.2 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.
Similar companies · same sector and region
CIVANKI
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GABRIELLA KIDSSTORE
BE 1029.020.936
Lichtervelde
LIMAZI
BE 0870.240.151
Lichtervelde
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BE 0429.503.726
Brugge
Allez - Y
BE 0439.879.855
Knokke-Heist
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 6,501 companies in sector 47716 we hold annual accounts for 2,440.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2011
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47715Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.