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Complete company report
Generated 10-08-2026
Active BE 0480.126.244Private limited companyOpen bankruptcy

LAMI

Rue des Alliés 107 ·7080 Frameries, Belgium· 23 yrs active
Sector: Food & beverage service (56112)
Conclusion Checked

A bankruptcy procedure is open for LAMI according to publications in the Belgian State Gazette. The 2021 annual accounts show equity of €389 and a net result of €5k.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €389
Net result €5k
Better than sector 35%
Active 23 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health0Profitability60Solvency3Growth85Stability0
30 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0
Profitability 60
Solvency 3
Growth 85
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· Open bankruptcy (+50)
Trust signals 2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags 0 events
No administrative flags
Health barometer FY 2021 · computed
0 / 100 Critical
050100
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from the NBB filing for FY 2021 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 27-03-2023 with the NBB · fiscal year 2021 · volledig
€-50k€0€50k€100k€150kRevenue 2018: €7k€7kOperating result 2018: €-1k€-1kNet result 2018: €-27k€-27kNet result 2019: €-27k€-27kRevenue 2020: €62k€62kOperating result 2020: €9k€9kNet result 2020: €-17k€-17kRevenue 2021: €128k€128kOperating result 2021: €3k€3kNet result 2021: €5k€5k2018201920202021
RevenueOperating resultNet result
Sector comparison
Fiscal year 2021 · NACE 56, Food & beverage service · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 1.4% 22.2%
better than 35% of 199 sector peers
Net result €5k €6k
better than 49% of 199 sector peers
Equity €389 €20k
better than 33% of 200 sector peers
Gross operating margin €26k €60k
better than 36% of 189 sector peers
Staff costs €15k €79k
higher than 24% of 139 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€128k
+105.9% 18-21
EBITDA
€9k
-18.6% 18-21
Net profit
€5k
- 18-21
Cash flow
€11k
- 18-21
Total assets
€27k
+32.5% 18-21
Equity
€389
- 18-21
Working capital
€-11k
-9.3% 18-21
Staff costs
€15k
- 18-21
Debt
€27k
+5.7% 18-21
Debt ≤ 1y
€27k
+5.7% 18-21
Current ratio
0.58
-2.4% 18-21
Quick ratio
0.31
-37.6% 18-21
Solvency
1.4%
- 18-21
Debt / equity
69.53
- 18-21
ROE
1358.6%
+284.3% 18-21
ROA
19.3%
- 18-21
Net margin
4.1%
- 18-21
EBITDA margin
6.7%
-60.4% 18-21
Interest coverage
16.98
- 18-21
Figures by fiscal year
Fiscal year2021
Depositvolledig
Revenue€128k
EBITDA€9k
Net profit€5k
Cash flow€11k
Staff costs€15k
Income taxes-
Dividends-
Total assets€27k
Equity€389
Debt€27k
of which ≤ 1y€27k
of which > 1y-
Working capital€-11k
Employees (FTE)-
Ratios (computed)
2021
Current ratio0.58
Quick ratio0.31
Working capital ratio-41.8%
Solvency1.4%
Debt / equity69.53
Long-term debt ratio-
Interest coverage16.98
Gross margin13.7%
Net margin4.1%
ROA19.3%
ROE1358.6%
EBITDA margin6.7%
Days sales outstanding7d
Days payable outstanding13d
Inventory turnover15.33
Days inventory (DSI)24d
Balance-sheet composition 2021
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2021
Balance sheet, Assets
TOTAL ASSETS 20/58€27k
Fixed assets 21/28€12k
Tangible fixed assets 22/27€12k
Financial fixed assets 28€50
Current assets 29/58€16k
Stocks & contracts in progress 3€7k
Amounts receivable within one year 40/41€5k
Cash & bank 54/58€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€27k
Equity 10/15€389
Contributions / capital 10/11€12k
Reserves 13€211
Accumulated profits (losses) 14€-12k
Amounts payable 17/49€27k
Amounts payable within one year 42/48€27k
Trade debts payable within one year 44€4k
Income statement
Turnover 70€128k
Gross operating margin 9900€26k
Operating result 9901€3k
Financial income 75€2k
Financial charges 65€508
Result before taxes 9903€5k
Net result for the period 9904€5k
Result to be appropriated 9905€5k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Hammouda Alaa
    Manager
    State Gazette act 23040260 (23-03-2023)
    Current
    15-02-2023 → present
Former directors (1)
  • Lami Nacer
    Manager
    State Gazette act 23040260 (23-03-2023)
    Former
    - → 15-02-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Directors & mandates1 person
Role Name Tenure Source
Curator CATHERINE HUPEZ
RUE DU ONZE NOVEMBRE 9, 7000 MONS- . Date provisoire de cessation de paiement : 16/09/2024
 16-09-2024 → present Belgian State Gazette
Legal Structure
NACE primary Food & beverage service(56112)
Legal form Private limited company(610)
Incorporation30-04-2003
StatusActive
Postal code7080
First BS signal 27-09-2024
Latest BS signal 27-09-2024
Company structure, linked entities1 linked entities
LAMIBE 0480.126.244CATHERINE HUPEZReceiver ↔ 48Claise, StéphaneGRISOOPetillon, Jean
Mandates
↔ 1 of these mandate-holders are active on other cases, click any red card to open that KBO.
Establishment units 1 location
Pittatop
Rue des Alliés 107, 7080 FrameriesDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)
since 20202.305.079.591
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53028C1031/00F000 Wallonia 160 m² 1 · 88 m² 9.9 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
27-09-2024
Bankruptcy Opening
Tribunal de l’entreprise du Hainaut, division Mons · LAMI SRL RUE DES ALLIES 107, 7080 FRAMERIES · event 16-09-2024
2023
27-03-2023
NBB filing Annual accounts filed
fiscal year 2021 · volledig
23-03-2023
State Gazette act Capital & shares
2021
27-12-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
29-12-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
26-11-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
30-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
27-11-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
16-12-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
29-07-2015
NBB filing Annual accounts filed
fiscal year 2014 · volledig
2014
25-11-2014
NBB filing Annual accounts filed
fiscal year 2013 · volledig
2013
22-10-2013
NBB filing Annual accounts filed
fiscal year 2012 · volledig
Lifecycle & Insolvency Signals 1 events
27-09-2024
Bankruptcy Opening
Date: 16-09-2024 · Tribunal de l’entreprise du Hainaut, division Mons · LAMI SRL RUE DES ALLIES 107, 7080 FRAMERIES · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262024-09-27 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 1 acts
Capital history · 1
23-03-2023
Capital change
All acts · 1 updated 3 years ago
2023
23-03-2023 All shares are now held by a single shareholder Capital & shares
Technical details 
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  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2023-03-15",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2023-02-15",
    "unanimous": true,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2023-02-15"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0480.126.244",
    "name_full": "LAMI",
    "legal_form": "SRL",
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  "co_filed_documents": [],
  "shareholders_after": [
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    {
      "kbo": null,
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      "name": "Lami Nacer",
      "role": "simple_associ\u00E9",
      "n_shares": null,
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  "share_classes_after": []
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
Legal nameFR LAMI
Registered office
Rue des Alliés 107
7080 Frameries, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative