Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2023 and 2024.
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Tight liquidity NBB
Cash and receivables cover 51 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
GARAGE LAMY from Ham-sur-Heure-Nalinnes, company number BE0689825101, closed financial year 2024 with a result of € -43,387 after tax. For that financial year GARAGE LAMY recorded a gross margin of € 85,505 and equity of € -38,136. Compared with financial year 2023, the result moved from € -18,103 to € -43,387. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 11, 2025.
€ -38,136
▼ € 43,387 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -43,387
▼ 140 % more loss than in 2023
Profit after tax over the fiscal year.
€ 20,803
▼ 13% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -44,336.
People and assets in 2024
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 65,476
▲ 10% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 43,552
▼ 24% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 46,971
▼ 29% vs 2023
€ 12,194 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 57,953
▲ 48% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 55,396
▲ 49% vs 2023
Taxes, VAT and social contributions still to pay.
| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 70,146 | € 78,089 | € 75,793 | € 85,505 | ▲ 13% |
| Profit after taxes | € 7,096 | € 15,618 | € -18,103 | € -43,387 | ▼ € 25,284 |
| Equity | € 7,737 | € 23,355 | € 5,252 | € -38,136 | ▼ € 43,387 |
| Total debts | € 82,793 | € 92,894 | € 149,661 | € 167,398 | ▲ 12% |
| Cash | € 32,839 | € 25,349 | € 23,784 | € 20,803 | ▼ 13% |
| Land & buildings | - | - | - | € 3,615 | |
| Retained profit | € 1,537 | € 17,155 | € -948 | € -44,336 | ▼ € 43,387 |
| Bank debt | € 24,036 | € 21,327 | € 65,820 | € 46,971 | ▼ 29% |
| Balance sheet total | € 90,530 | € 116,249 | € 154,912 | € 129,263 | ▼ 17% |
Key figures of GARAGE LAMY, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to GARAGE LAMY?
What happened at GARAGE LAMY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 43,387. filed late Source: NBB ↗
- New establishment in Fontaine-l'Evêque. KBO
- Start of the company according to the CBE. KBO
In short
From € 7,096 profit in 2021 to € 43,387 loss in 2024.
Paid € 2,305 in corporate taxes since 2021.
Best year ever: 2022, with € 15,618 profit.
Management
Behind GARAGE LAMY is XAVIER LAMY.
Directors
According to the 2024 annual accounts
XAVIER LAMY
Director
Establishments
Establishment units
Physical locations of this company
Chemin des Trois Arbres(HSH) 5
6120 Ham-sur-Heure-Nalinnes
Rue Pastur(LEE) 12 box b
6142 Fontaine-l'Evêque
Active since 6 February 2018
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0689.825.101
- VAT number
- BE 0689.825.101
- Registered office
- Chemin des Trois Arbres(HSH) 5, 6120 Ham-sur-Heure-Nalinnes
- Names & denominations
- GARAGE LAMY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 February 2018
- Peppol
- Active · Active since 10 Dec 2025
- Activities · NACE
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)