LAMARIC
ActiveSummary
LAMARIC has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-122k) and a net result of €-9k. Equity is shrinking by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 10% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability67▲+39
Solvency3▼-3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.14 against 1.17 in 2023; short-term debt: 14.4% and cash: 0.5% of total assets), and equity is negative.
Credit check 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2024Solvency, return and age of the figures
Solvency
-22.1%
Return on assets
-1.7%
Age of the figures
21 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
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-122k
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 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
37 d early
2022
54 d early
2021
47 d early
2020
26 d late
2019
68 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€-122k▼ 8.2%
2023 · €-112k
2018: €51k
2019: €-21k
2020: €-89k
2021: €-61k
2022: €-88k
2023: €-112k
2018 → 2024
Total assets
€550k▼ 9.2%
2023 · €606k
2018: €945k
2019: €983k
2020: €963k
2021: €704k
2022: €642k
2023: €606k
2018 → 2024
Net result
€-9k▲ 66.5%
2023 · €-27k
2018: €-90k
2019: €-72k
2020: €-68k
2021: €28k
2022: €-27k
2023: €-27k
2018 → 2024
Working capital
€-68k
2023 · €4k
2018: €103k
2019: €190k
2020: €169k
2021: €-2k
2022: €-6k
2023: €4k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-89k-€-61k▲ 31.2%€-88k▼ 44.8%€-112k▼ 27.3%€-122k▼ 8.2%
Operating result€-60k-€35k€-20k€-14k▲ 31.4%€-6k▲ 55.3%
Net result€-68k-€28k€-27k€-27k▼ 0.2%€-9k▲ 66.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2024 against €14k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €550k
Fixed assets
€539k ▼ 6.6%
Current assets
€11k ▼ 61.1%
Key figures and ratios
EBITDA
€31k▲
2023 · €24k
Cash flow
€28k▲
2023 · €10k
Solvency
-22.1%▼
2023 · -18.6%
Current ratio
0.14▼
2023 · 1.17
Debt to equity
-5.42▲
2023 · -6.27
ROA
-1.7%▲
2023 · -4.5%
Interest coverage
8.12▲
2023 · 1.74
Debt
€660k▼
2023 · €705k
Debt ≤ 1 year
€79k▲
2023 · €25k
Debt > 1 year
€580k▼
2023 · €680k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 53 lines
Balance sheet
Code20232024
Assets
Total assets20/58€606k€550k▼
Fixed assets21/28€577k€539k▼
Tangible fixed assets22/27€576k€539k▼
Land and buildings22€284k€277k▼
Plant, machinery and equipment23€208k€191k▼
Furniture and vehicles24€26k€20k▼
Other tangible fixed assets26€58k€52k▼
Financial fixed assets28€97€0▼
Current assets29/58€29k€11k▼
Amounts receivable within one year40/41€22k€8k▼
Trade receivables40€22k€8k▼
Other amounts receivable41€6€9▲
Cash at bank and in hand54/58€6k€3k▼
Deferred charges and accrued income490/1€918€1k▲
Equity and liabilities
Total equity and liabilities10/49€606k€550k▼
Equity10/15€-112k€-122k▼
Contributions10/11€346k€346k=
Reserves13€37k€35k▼
Non-distributable reserves130/1€8k€0▼
Reserves not available under the articles1311€8k€0▼
Tax-exempt reserves132€29k€27k▼
Distributable reserves133-€8k
Profit (loss) carried forward14€-495k€-502k▼
Provisions and deferred taxes16€13k€12k▼
Deferred taxes168€13k€12k▼
Amounts payable17/49€705k€660k▼
Amounts payable after more than one year17€680k€580k▼
Financial debts170/4€100k€0▼
Other amounts payable178/9€580k€580k=
Amounts payable within one year42/48€25k€79k▲
Trade debts44€915€2k▲
Suppliers440/4€915€2k▲
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Other amounts payable47/48€21k€76k▲
Accrued charges and deferred income492/3€18€0▼
Income statement
Code20232024
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€38k=
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€376€0▼
Gross operating margin9900€28k€36k▲
Operating profit (loss)9901€-14k€-6k▲
Financial income75/76B€63€10▼
Recurring financial income75€63€10▼
Financial charges65/66B€14k€4k▼
Recurring financial charges65€14k€4k▼
Profit (loss) for the period before taxes9903€-28k€-10k▲
Transfer from deferred taxes780€139€917▲
Profit (loss) for the period9904€-27k€-9k▲
Transfer from tax-exempt reserves789€2k€2k▼
Profit (loss) for the period to be appropriated9905€-25k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-495k€-502k▼
Profit (loss) brought forward from the previous period14P€-469k€-495k▼
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €28k
Net result €28k after 3 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 6.53
Current ratio from 3.12 to 6.53; short-term debt falls from €49k to €34k.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
16-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 1997
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.
Rue Willy Brogneaux(JAM) 266120 Ham-sur-Heure-NalinnesGround area
2,443 m²
Building footprint
277 m²
Volume, LiDAR
1,650 m³
2 parcels, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
S.E.I. SA
since 19972.064.998.455
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56037A0206/00C000 | Wallonia | 1,912 m² | 1 · 98 m² | 11.4 m · 3 fl. |
| 52352C0142/00Z000 | Wallonia | 531 m² | 1 · 179 m² | 6.5 m · 1 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, comparable size
JEMA PROJECTS
BE 0683.739.934
Genk · Eq €51,146
IBN CONSTRUCT
BE 0770.987.870
Anderlecht · Eq €51,137
BATIS'UP
BE 0784.747.024
Herve · Eq €51,128
GROUPE I
BE 0823.163.180
Mons · Eq €51,124
4D Build
BE 0645.979.220
Temse · Eq €51,110
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 5,026 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-1993
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
71121Engineering and related technical consultancy, excluding land surveyors
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.