Summary
E. LAUREYS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.0m and a net result of €259,066. Equity is growing by ~13% per year across the filed fiscal years. The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-06-2026, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
37 d early
2024
36 d early
2023
2 d early
2022
31 d late
2021
31 d late
2020
26 d late
2019
96 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 16 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 July (4 of the last 5 filed years within 35 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, abbreviated schema, 2025 accounts filed, figures not processed yet
Equity
€1.0m▲ 34.7%
2023 · €747,431
Net result
€259,066▼ 0.7%
2023 · €260,839
Total assets
€1.1m▲ 1.8%
2023 · €1.1m
Solvency
89.4%▲ 21.8pp
2023 · 67.6%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€127,168▼ 28.9%€185,237▲ 45.7%€119,668▼ 35.4%€347,143▲ 190%€343,392▼ 1.1%
Net result€71,082within the sector's middle half▼ 26.9%€115,228within the sector's middle half▲ 62.1%€40,018within the sector's middle half▼ 65.3%€260,839above the sector's middle half▲ 552%€259,066above the sector's middle half▼ 0.7%
Equity€531,347within the sector's middle half▲ 15.4%€646,575within the sector's middle half▲ 21.7%€686,593within the sector's middle half▲ 6.2%€747,431within the sector's middle half▲ 8.9%€1.0mabove the sector's middle half▲ 34.7%
Total assets€870,401within the sector's middle half▲ 2.2%€906,030within the sector's middle half▲ 4.1%€887,282within the sector's middle half▼ 2.1%€1.1mwithin the sector's middle half▲ 24.6%€1.1mwithin the sector's middle half▲ 1.8%
Debt€339,055▼ 13.4%€259,455▼ 23.5%€200,689▼ 22.6%€358,120▲ 78.4%€119,369▼ 66.7%
Working capital€379,713above the sector's middle half▲ 23.4%€539,753above the sector's middle half▲ 42.1%€561,583above the sector's middle half▲ 4.0%€652,314above the sector's middle half▲ 16.2%€901,621above the sector's middle half▲ 38.2%
Solvency61.0%within the sector's middle half▲ 7.0pp71.4%above the sector's middle half▲ 10.3pp77.4%above the sector's middle half▲ 6.0pp67.6%within the sector's middle half▼ 9.8pp89.4%above the sector's middle half▲ 21.8pp
Current ratio4.47above the sector's middle half▲ 0.336.71above the sector's middle half▲ 2.246.84above the sector's middle half▲ 0.133.01within the sector's middle half▼ 3.8310.98above the sector's middle half▲ 7.98
Return on assets (ROA)8.2%within the sector's middle half▼ 3.3pp12.7%within the sector's middle half▲ 4.6pp4.5%within the sector's middle half▼ 8.2pp23.6%above the sector's middle half▲ 19.1pp23.0%above the sector's middle half▼ 0.6pp
Staff (FTE)2within the sector's middle half▼ 4.8%2.1within the sector's middle half▲ 5.0%2.1within the sector's middle half=2.1within the sector's middle half=2within the sector's middle half▼ 4.8%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 falls in 2024; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.1m
Fixed assets
€133,937 ▲ 4.2%
Current assets
€991,930 ▲ 1.5%
Equity and liabilities €1.1m
Equity
€1.0m ▲ 34.7%
Debt
€119,369 ▼ 66.7%
Debt's share of the balance-sheet total falls from 32.4% to 10.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
25.7%▼
2023 · 34.9%
Debt ≤ 1 year
€90,309▼
2023 · €324,757
Debt > 1 year
€29,016▼
2023 · €33,363
Income taxes
€88,284▼
2023 · €99,195
Staff costs
€132,654▲
2023 · €129,034
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €108,640 | €160,668 | €129,034 | €132,654 | ▲ 2.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €108,755 | €115,626 | €106,233 | €117,159 | €35,712 | ▼ 69.5% |
| Other operating charges640/8 | - | €3,925 | €3,723 | €1,547 | €1,685 | ▲ 8.9% |
| Non-recurring operating charges66A | - | -€349 | €1,095 | €74 | €0 | ▼ 100% |
| Gross operating margin9900 | €339,733 | €413,078 | €391,387 | €594,956 | €513,443 | ▼ 13.7% |
| Operating profit (loss)9901 | €127,168 | €185,237 | €119,668 | €347,143 | €343,392 | ▼ 1.1% |
| Financial income75/76B | - | €3,000 | - | €1,728 | €7,488 | ▲ 333% |
| Recurring financial income75 | €912 | €3,000 | - | €1,728 | €7,488 | ▲ 333% |
| Financial charges65/66B | - | €3,266 | €17,075 | -€11,163 | €3,530 | ▲ 132% |
| Recurring financial charges65 | €4,015 | €3,266 | €17,075 | -€11,163 | €3,530 | ▲ 132% |
| Profit (loss) for the period before taxes9903 | €124,065 | €184,971 | €102,593 | €360,034 | €347,350 | ▼ 3.5% |
| Income taxes67/77 | €52,983 | €69,742 | €62,575 | €99,195 | €88,284 | ▼ 11.0% |
| Profit (loss) for the period9904 | €71,082 | €115,228 | €40,018 | €260,839 | €259,066 | ▼ 0.7% |
| Profit (loss) for the period to be appropriated9905 | €71,082 | €115,228 | €40,018 | €260,839 | €259,066 | ▼ 0.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €870,401 | €906,030 | €887,282 | €1.1m | €1.1m | ▲ 1.8% |
| Fixed assets21/28 | €381,182 | €271,727 | €229,530 | €128,480 | €133,937 | ▲ 4.2% |
| Intangible fixed assets21 | €283,352 | €195,789 | €104,249 | €12,559 | €6,144 | ▼ 51.1% |
| Tangible fixed assets22/27 | €93,924 | €72,033 | €121,375 | €112,015 | €123,887 | ▲ 10.6% |
| Land and buildings22 | - | - | - | €15,418 | €13,529 | ▼ 12.2% |
| Plant, machinery and equipment23 | - | - | - | - | €2,941 | - |
| Furniture and vehicles24 | - | €14,008 | - | - | - | - |
| Leasing and similar rights25 | - | - | - | - | €35,595 | - |
| Other tangible fixed assets26 | - | €58,025 | €121,375 | €96,598 | €71,821 | ▼ 25.6% |
| Financial fixed assets28 | €3,906 | €3,906 | €3,906 | €3,906 | €3,906 | = |
| Current assets29/58 | €489,219 | €634,303 | €657,752 | €977,072 | €991,930 | ▲ 1.5% |
| Amounts receivable within one year40/41 | €17,353 | €16,921 | €2,738 | €0 | €34,000 | - |
| Trade receivables40 | - | - | - | - | €1,540 | - |
| Other amounts receivable41 | - | €16,921 | €2,738 | €0 | €32,461 | - |
| Current investments50/53 | - | €86,652 | €82,456 | €420,052 | €258,878 | ▼ 38.4% |
| Cash at bank and in hand54/58 | €464,998 | €528,547 | €570,625 | €553,689 | €693,016 | ▲ 25.2% |
| Deferred charges and accrued income490/1 | - | €2,183 | €1,932 | €3,331 | €6,036 | ▲ 81.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €870,401 | €906,030 | €887,282 | €1.1m | €1.1m | ▲ 1.8% |
| Equity10/15 | €531,347 | €646,575 | €686,593 | €747,431 | €1.0m | ▲ 34.7% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €490,765 | €605,993 | €646,011 | €741,231 | €1.0m | ▲ 35.0% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €604,133 | €644,151 | €739,371 | €998,438 | ▲ 35.0% |
| Profit (loss) carried forward14 | €34,381 | €34,381 | €34,381 | €0 | €0 | - |
| Amounts payable17/49 | €339,055 | €259,455 | €200,689 | €358,120 | €119,369 | ▼ 66.7% |
| Amounts payable after more than one year17 | €229,548 | €164,905 | €99,512 | €33,363 | €29,016 | ▼ 13.0% |
| Financial debts170/4 | - | €164,905 | €99,512 | €33,363 | €29,016 | ▼ 13.0% |
| Amounts payable within one year42/48 | €109,507 | €94,550 | €96,169 | €324,757 | €90,309 | ▼ 72.2% |
| Current portion of amounts payable after more than one year42 | - | €64,643 | €65,393 | €66,149 | €39,566 | ▼ 40.2% |
| Trade debts44 | €6,171 | €3,719 | €11,354 | €6,878 | €21,558 | ▲ 213% |
| Suppliers440/4 | - | €3,719 | €11,354 | €6,878 | €21,558 | ▲ 213% |
| Taxes, remuneration and social security45 | - | €25,011 | €17,651 | €50,275 | €27,549 | ▼ 45.2% |
| Taxes450/3 | - | €21,453 | - | €23,740 | €5,577 | ▼ 76.5% |
| Remuneration and social security454/9 | - | €3,558 | €17,651 | €26,535 | €21,972 | ▼ 17.2% |
| Other amounts payable47/48 | - | €1,177 | €1,771 | €201,456 | €1,637 | ▼ 99.2% |
| Accrued charges and deferred income492/3 | - | - | €5,008 | €0 | €44 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €71,082 | €115,228 | €40,018 | €260,839 | €259,066 | ▼ 0.7% |
| + Depreciation and write-downs630 | €108,755 | €115,626 | €106,233 | €117,159 | €35,712 | ▼ 69.5% |
| Operating cash flow (approximation) | €179,837 | €230,854 | €146,251 | €377,998 | €294,778 | ▼ 22.0% |
| Investment in fixed assets (approximation) | - | -€6,171 | -€64,036 | -€16,109 | -€41,168 | ▼ 156% |
| Change in cash | - | €63,549 | €42,078 | -€16,936 | €139,326 | ▲ 923% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 10.98
Current ratio from 3.01 to 10.98; short-term debt falls from €324,757 to €90,309.
31-12
Financial
Equity above €1mEq €1.0m ▲34.7%
7 profitable years in a row build equity to €1.0m.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €260,839 ▲552%
Operating result €347,143, net result €260,839, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-12
Financial
Equity above €500,000Eq €531,347 ▲15.4%
3 profitable years in a row build equity to €531,347.
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 96 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 4.14
Current ratio from 1.49 to 4.14; short-term debt falls from €129,283 to €97,950.
Show earlier events
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Hoeilaart · 1 establishment unit since 2002
Ground area
651 m²
Building footprint
122 m²
Volume, LiDAR
1,303 m³
Parcel 23033B0804/00T008, Flanders · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
J. B. Charlierlaan 3, 1560 Hoeilaart
since 20022.095.747.455
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23033B0804/00T008 | Flanders | 651 m² | 1 · 122 m² | 13.3 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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
Legal Entity Identifier
2549002QAS90KF5XND50
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Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded04-01-2002
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0476546152
Also
9925:BE0476546152
Registered
24-06-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.