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Generated 20-08-2026
Active BE 0525.748.017Private limited company

LAMI & CO

Helmetsesteenweg 58 ·1030 Schaarbeek, Belgium· 13 yrs active
Sector: Installatie van isolatie (43230)
Conclusion Checked

The computed 12-month bankruptcy probability of LAMI & CO is 3.0% (moderate). The 2023 annual accounts show equity of €37k and a net result of €-2k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 21% of 9179 sector peers (fiscal year 2023). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €37k
Net result €-2k
Better than sector 21%
Active 13 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health53Profitability0Solvency24Growth52Stability100
46 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 53
Profitability 0
Solvency 24
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
3.0% Moderate
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Higher-failure-rate region +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2013, 13 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2023 · computed
53 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 30-09-2024 with the NBB · fiscal year 2023 · micro
€-20k€0€20k€40kOperating result 2019: €16k€16kNet result 2019: €25k€25kOperating result 2020: €15k€15kNet result 2020: €35k€35kOperating result 2021: €229€229Net result 2021: €-7k€-7kOperating result 2022: €-301€-301Net result 2022: €-5k€-5kOperating result 2023: €-2k€-2kNet result 2023: €-2k€-2k20192020202120222023
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~3.1%/year over 6 fiscal years, indicative, assuming unchanged policy.
€0€20k€40k€60k2024: €41k (€33k - €49k)2025: €42k (€30k - €55k)2026: €43k (€26k - €61k)2018: €20k2019: €35k2020: €50k2021: €43k2022: €39k2023: €37k201820192020202120222023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2023 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 15.0% 38.6%
better than 21% of 9179 sector peers
Net result €-2k €12k
better than 16% of 9164 sector peers
Equity €37k €30k
better than 56% of 9186 sector peers
Gross operating margin €50k €33k
better than 63% of 9153 sector peers
Staff costs €45k €26k
higher than 62% of 3379 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€4k
+17.3% 18-23
Net profit
€-2k
+61.0% 18-23
Cash flow
€4k
- 18-23
Total assets
€245k
+28.9% 18-23
Equity
€37k
-4.6% 18-23
Working capital
€29k
+8.5% 18-23
Staff costs
€45k
+77.5% 18-23
Income taxes
€4k
-44.3% 18-23
Show 9 other metrics
Debt
€209k
+37.5% 18-23
Debt ≤ 1y
€209k
+37.5% 18-23
Current ratio
1.14
-3.2% 18-23
Quick ratio
1.14
-3.2% 18-23
Solvency
15.0%
-26.0% 18-23
Debt / equity
5.65
+44.1% 18-23
ROE
-4.8%
+59.2% 18-23
ROA
-0.7%
+69.8% 18-23
Interest coverage
18.63
-30.5% 18-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA€4k
Net profit€-2k
Cash flow€4k
Staff costs€45k
Income taxes-
Dividends-
Total assets€245k
Equity€37k
Debt€209k
of which ≤ 1y€209k
of which > 1y-
Working capital€29k
Employees (FTE)-
Ratios (computed)
2023
Current ratio1.14
Quick ratio1.14
Working capital ratio12.0%
Solvency15.0%
Debt / equity5.65
Long-term debt ratio-
Interest coverage18.63
Gross margin-
Net margin-
ROA-0.7%
ROE-4.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€245k
Fixed assets 21/28€7k
Tangible fixed assets 22/27€7k
Current assets 29/58€238k
Amounts receivable within one year 40/41€220k
Cash & bank 54/58€18k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€245k
Equity 10/15€37k
Contributions / capital 10/11€8k
Reserves 13€22k
Accumulated profits (losses) 14€7k
Amounts payable 17/49€209k
Amounts payable within one year 42/48€209k
Trade debts payable within one year 44€190k
Income statement
Gross operating margin 9900€50k
Operating result 9901€-2k
Financial income 75€303
Financial charges 65€216
Result before taxes 9903€-2k
Net result for the period 9904€-2k
Result to be appropriated 9905€-2k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 3 directors
Current directors & mandates
  • EL LAMI Norane
    Director
    State Gazette act 24105585 (12-07-2024)
    Current
    01-07-2024 → present
Former directors (2)
  • CHAABAN Sobhi
    Associé
    State Gazette act 24105585 (12-07-2024)
    Former
    - → 30-06-2024
  • EI LAMI Hicham
    Director
    State Gazette act 24105585 (12-07-2024)
    Former
    - → 30-06-2024
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.
Legal Structure
NACE primary Installatie van isolatie(43230)
Legal form Private limited company(610)
Incorporation04-04-2013
StatusActive
Postal code1030
Establishment units 1 location
LAMI & CO
Helmetsesteenweg 58, 1030 SchaarbeekIsolatiewerkzaamheden aan verwarmingsleidingen en leidingen van koelsystemen
since 20132.220.139.265
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.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21902A0331/00E006 Brussels 277 m² 1 · 277 m² 17.7 m · 2 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 11 events

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

2024
30-09-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
12-07-2024
State Gazette act Capital & shares
2023
30-11-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
20-12-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
31-01-2022
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
30-09-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
17-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
31-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
31-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
31-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2014
29-08-2014
NBB filing Annual accounts filed
fiscal year 2013 · volledig
Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
Capital history · 1
12-07-2024
Capital change
All acts · 1 updated 2 years ago
2024
12-07-2024 All shares are now held by a single shareholder Capital & shares
Technical details 
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    "filing_date": null,
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  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2024-07-04",
    "unanimous": null,
    "under_authorized_capital": false,
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Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Algemene elektrotechnische installatiewerken43211Installatie van isolatie43230Isolatiewerkzaamheden43291Vervaardiging van metalen constructiewerken en delen daarvan25110Overige bouwinstallatie43240Overige bouwinstallatie, n.e.g.43299Overige werkzaamheden in verband met de afwerking van gebouwen43350Gevelreiniging43992Overige reiniging van gebouwen; industriële reiniging81220
Primary activity highlighted.
Names & trade names
Legal nameFR LAMI & CO
Registered office
Helmetsesteenweg 58
1030 Schaarbeek, 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