L&Y Consultancy is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €60k and a net result of €67k. Equity is growing by ~52.3% per year across the filed fiscal years. Its solvency ranks better than 54% of 2423 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. 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 29-05-2026, 63 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
63 d early
2024
50 d early
2023
28 d early
2022
21 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▼ 51.1%
2024 · €123k
2022: €15k
2023: €65k
2024: €123k
2022 → 2025
Net result
€67k▲ 13.6%
2024 · €59k
2022: €14k
2023: €50k
2024: €59k
2022 → 2025
Total assets
€111k▼ 21.6%
2024 · €141k
2022: €37k
2023: €75k
2024: €141k
2022 → 2025
Solvency
54.5%▼ 32.8pp
2024 · 87.3%
2022: 39.8%
2023: 86.6%
2024: 87.3%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€35k-
Equity€15k-€65k▲ 344%€123k▲ 91.1%€60k▼ 51.1%
Operating result€18k-€64k▲ 246%€74k▲ 16.2%€84k▲ 14.3%
Net result€14k-€50k▲ 247%€59k▲ 17.6%€67k▲ 13.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€3k▼ 33.5%
Current assets
€108k▼ 21.3%
Equity and liabilities €111k
Equity
€60k▼ 51.1%
Debt
€50k▲ 181%
The debt ratio rises from 12.7% to 45.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
54.5%▼
2024 · 87.3%
ROE
110.8%▲
2024 · 47.7%
ROA
60.3%▲
2024 · 41.6%
Debt
€50k▲
2024 · €18k
Debt ≤ 1 year
€50k▲
2024 · €18k
Income taxes
€18k▲
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€141k€111k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€137k€108k▼
Amounts receivable within one year40/41€14k€15k▲
Trade receivables40€13k€15k▲
Other amounts receivable41€1k€818▼
Current investments50/53-€61k
Cash at bank and in hand54/58€123k€32k▼
Deferred charges and accrued income490/1€231€231=
Equity and liabilities
Total equity and liabilities10/49€141k€111k▼
Equity10/15€123k€60k▼
Contributions10/11€100€100=
Profit (loss) carried forward14€123k€60k▼
Amounts payable17/49€18k€50k▲
Amounts payable within one year42/48€18k€50k▲
Trade debts44€305-
Suppliers440/4€305-
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€9k€7k▼
Other amounts payable47/48€9k€43k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€630€650▲
Gross operating margin9900€76k€87k▲
Operating profit (loss)9901€74k€84k▲
Financial income75/76B€698€218▼
Recurring financial income75€698€218▼
Financial charges65/66B€51€68▲
Recurring financial charges65€51€68▲
Profit (loss) for the period before taxes9903€75k€85k▲
Income taxes67/77€16k€18k▲
Profit (loss) for the period9904€59k€67k▲
Profit (loss) for the period to be appropriated9905€59k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€123k€190k▲
Profit (loss) brought forward from the previous period14P€65k€123k▲
Profit to be distributed694/7-€130k
Return on contributions (dividend)694-€130k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 28 juli 2026
- Registered-office move, Sparrenhofdreef(STE) 39, 9190 Stekene
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €67k ▲13.6%
Operating result €84k, net result €67k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €123k ▲91.1%
3 profitable years in a row build equity to €123k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 5current ratio 6.92
Current ratio from 1.34 to 6.92; short-term debt falls from €22k to €10k.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Stekene · 1 establishment unit since 2022
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.
Sparrenhofdreef(STE) 399190 StekeneGround area
785 m²
Building footprint
303 m²
Volume, LiDAR
1,173 m³
2 parcels, Flanders · tallest building 9.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
L&Y Consultancy
since 20222.335.830.373
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46024B0165/00L015 | Flanders | 436 m² | 1 · 95 m² | 6.4 m · 1 fl. |
| 46024A0876/00Z000 | Flanders | 349 m² | 1 · 208 m² | 9.4 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.
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Of 1,509 companies in sector 66199 we hold annual accounts for 918. 573 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2022
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:anndullaert@hotmail.com
Phone:+32476554916
Phone:0476554913