Resto Lam
ActiveThe computed 12-month bankruptcy probability of Resto Lam is 1.8% (moderate). The 2025 annual accounts show equity of €114k and a net result of €-25k. Equity is shrinking by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 67% of 13009 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency95▲+2
Growth32=
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.12 against 2.61 in 2024), and 49.7% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
50.3%
Return on assets
-10.9%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€25k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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
21 d late
2024
31 d late
2023
30 d late
2022
16 d late
2021
31 d late
2020
108 d late
2019
61 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€114k▼ 17.9%
2024 · €138k
2018: €210k
2019: €176k
2020: €176k
2021: €183k
2022: €177k
2023: €187k
2024: €138k
2018 → 2025
Total assets
€226k▼ 21.6%
2024 · €288k
2018: €432k
2019: €345k
2020: €321k
2021: €265k
2022: €215k
2023: €220k
2024: €288k
2018 → 2025
Net result
€-25k▲ 49.5%
2024 · €-49k
2018: €45k
2019: €-34k
2020: €483
2021: €7k
2022: €-7k
2023: €10k
2024: €-49k
2018 → 2025
Working capital
€106k▼ 1.4%
2024 · €107k
2018: €25k
2019: €5k
2020: €20k
2021: €31k
2022: €57k
2023: €111k
2024: €107k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€183k-€177k▼ 3.6%€187k▲ 5.8%€138k▼ 26.1%€114k▼ 17.9%
Operating result€11k-€-4k€12k€-43k€-19k▲ 56.6%
Net result€7k-€-7k€10k€-49k€-25k▲ 49.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2025 against €43k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €226k
Fixed assets
€70k▼ 38.5%
Current assets
€156k▼ 10.4%
Equity and liabilities €226k
Equity
€114k▼ 17.9%
Debt
€112k▼ 25.0%
The debt ratio falls from 52.0% to 49.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€25k▲
2024 · €16k
Cash flow
€19k▲
2024 · €10k
Solvency
50.3%▲
2024 · 48.0%
Current ratio
3.12▲
2024 · 2.61
Quick ratio
2.76▲
2024 · 2.41
Debt / equity
0.99▼
2024 · 1.08
ROE
-21.7%▲
2024 · -35.3%
ROA
-10.9%▲
2024 · -17.0%
Interest coverage
4.27▲
2024 · 3.19
Debt
€112k▼
2024 · €150k
Debt ≤ 1 year
€50k▼
2024 · €66k
Debt > 1 year
€62k▼
2024 · €83k
Income taxes
€162▼
2024 · €1k
Staff costs
€35k▲
2024 · €30k
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€288k€226k▼
Fixed assets21/28€114k€70k▼
Tangible fixed assets22/27€114k€70k▼
Plant, machinery and equipment23€66k€49k▼
Furniture and vehicles24€27k€22k▼
Other tangible fixed assets26€21k-
Current assets29/58€174k€156k▼
Stocks and contracts in progress3€13k€18k▲
Stocks30/36€13k€18k▲
Amounts receivable within one year40/41€14k€28k▲
Trade receivables40€14k€28k▲
Cash at bank and in hand54/58€137k€64k▼
Deferred charges and accrued income490/1€9k€46k▲
Equity and liabilities
Total equity and liabilities10/49€288k€226k▼
Equity10/15€138k€114k▼
Contributions10/11€45k€45k=
Reserves13€138k€138k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€133k€133k=
Profit (loss) carried forward14€-44k€-69k▼
Amounts payable17/49€150k€112k▼
Amounts payable after more than one year17€83k€62k▼
Financial debts170/4€83k€62k▼
Amounts payable within one year42/48€66k€50k▼
Current portion of amounts payable after more than one year42€17k€19k▲
Trade debts44€28k€21k▼
Suppliers440/4€28k€21k▼
Taxes, remuneration and social security45€10k€10k▲
Taxes450/3€10k€10k▲
Other amounts payable47/48€12k-
Income statement
Code20242025
Remuneration, social security and pensions62€30k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€44k▼
Other operating charges640/8€12k€9k▼
Gross operating margin9900€58k€69k▲
Operating profit (loss)9901€-43k€-19k▲
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€-48k€-25k▲
Income taxes67/77€1k€162▼
Profit (loss) for the period9904€-49k€-25k▲
Profit (loss) for the period to be appropriated9905€-49k€-25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-44k€-69k▼
Profit (loss) brought forward from the previous period14P€4k€-44k▼
The notes to these accounts (5 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-49k ▼574%
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 108 days late
2020
31-12
Financial
Back to profitnet €483
Net result €483 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 61 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Temse · 1 establishment unit since 2015
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.
Orlaylaan 4-89140 TemseGround area
1.4 ha
Building footprint
5,770 m²
Volume, LiDAR
46,341 m³
Parcel 46025B1190/00G009, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RESTO LAM
since 20152.245.680.454
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B1190/00G009 | Flanders | 1.4 ha | 1 · 5,770 m² | 12.0 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTemse2.245.680.454
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Of 20,234 companies in sector 56111 we hold annual accounts for 11,310. 9,323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2015
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.