LANOYA
ActiveSummary
The computed 12-month bankruptcy probability of LANOYA is 3.2% (moderate). The 2024 annual accounts show equity of €65k and a net result of €10k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 26043 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability68▲+2
Solvency48▲+7
Growth83▼-2
Track record100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity ample (current ratio 1.76 against 1.14 in 2023; short-term debt: 48% and cash: 4.1% of total assets), but 76.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
23.3%
Return on assets
3.6%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-02-2026, 209 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
209 d late
2023
157 d late
2022
243 d late
2021
112 d late
2020
111 d late
2019
45 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€318k▼ 32.8%
2023 · €473k
2019: €136k
2020: €46k▼ -66.4% vs 2019lowest in 6 years
2021: €123k▲ +170% vs 2020
2022: €128k▲ +3.9% vs 2021
2023: €473k▲ +269% vs 2022highest in 6 years
2024: €318k▼ -32.8% vs 2023
2019 → 2024
EBIT margin
4.1%▲ 0.3pp
2023 · 3.8%
2019: 4.3%
2020: 9.6%▲ +120% vs 2019
2021: 5.8%▼ -39.5% vs 2020
2022: 9.9%▲ +71.7% vs 2021highest in 6 years
2023: 3.8%▼ -62.1% vs 2022lowest in 6 years
2024: 4.1%▲ +8.3% vs 2023
2019 → 2024
Net result
€10k▼ 22.0%
2023 · €13k
2019: €5k
2020: €4k▼ -28.7% vs 2019lowest in 6 years
2021: €5k▲ +23.1% vs 2020
2022: €10k▲ +127% vs 2021
2023: €13k▲ +22.1% vs 2022highest in 6 years
2024: €10k▼ -22.0% vs 2023
2019 → 2024
Working capital
€103k▲ 190%
2023 · €35k
2019: €11klowest in 6 years
2020: €17k▲ +55.0% vs 2019
2021: €23k▲ +37.8% vs 2020
2022: €36k▲ +51.4% vs 2021
2023: €35k▼ -0.2% vs 2022
2024: €103k▲ +190% vs 2023highest in 6 years
2019 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€46k-€123k▲ 170%€128k▲ 3.9%€473k▲ 269%€318k▼ 32.8%
2020: €46klowest in 5 years
2021: €123k▲ +170% vs 2020
2022: €128k▲ +3.9% vs 2021
2023: €473k▲ +269% vs 2022highest in 5 years
2024: €318k▼ -32.8% vs 2023
Equity€28k-€32k▲ 16.7%€43k▲ 32.5%€55k▲ 29.9%€65k▲ 18.0%
2020: €28klowest in 5 years
2021: €32k▲ +16.7% vs 2020
2022: €43k▲ +32.5% vs 2021
2023: €55k▲ +29.9% vs 2022
2024: €65k▲ +18.0% vs 2023highest in 5 years
Operating result€4k-€7k▲ 63.3%€13k▲ 78.3%€18k▲ 39.8%€13k▼ 27.2%
2020: €4klowest in 5 years
2021: €7k▲ +63.3% vs 2020
2022: €13k▲ +78.3% vs 2021
2023: €18k▲ +39.8% vs 2022highest in 5 years
2024: €13k▼ -27.2% vs 2023
Net result€4k-€5k▲ 23.1%€10k▲ 127%€13k▲ 22.1%€10k▼ 22.0%
2020: €4klowest in 5 years
2021: €5k▲ +23.1% vs 2020
2022: €10k▲ +127% vs 2021
2023: €13k▲ +22.1% vs 2022highest in 5 years
2024: €10k▼ -22.0% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 27% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €280k
Fixed assets
€43k ▼ 29.1%
Current assets
€237k ▼ 18.0%
Equity and liabilities €280k
Equity
€65k ▲ 18.0%
Debt
€215k ▼ 27.1%
Debt's share of the balance-sheet total falls from 84.2% to 76.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31k▼
2023 · €36k
Cash flow
€28k▼
2023 · €31k
Current ratio
1.76▲
2023 · 1.14
Quick ratio
0.60▲
2023 · 0.55
Debt to equity
3.28▼
2023 · 5.31
ROE
15.2%▼
2023 · 23.0%
ROA
3.6%▼
2023 · 3.6%
Interest coverage
9.73▼
2023 · 10.86
Debt ≤ 1 year
€134k▼
2023 · €254k
Debt > 1 year
€80k▲
2023 · €41k
Income taxes
€455▼
2023 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 49 lines
Balance sheet
Code20232024
Assets
Total assets20/58€350k€280k▼
Fixed assets21/28€61k€43k▼
Tangible fixed assets22/27€61k€43k▼
Furniture and vehicles24€61k€43k▼
Current assets29/58€289k€237k▼
Stocks and contracts in progress3€150k€157k▲
Stocks30/36€150k€157k▲
Amounts receivable within one year40/41€127k€68k▼
Trade receivables40€56k€44k▼
Other amounts receivable41€71k€24k▼
Cash at bank and in hand54/58€11k€11k▲
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€350k€280k▼
Equity10/15€55k€65k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€35k€45k▲
Amounts payable17/49€294k€215k▼
Amounts payable after more than one year17€41k€80k▲
Financial debts170/4€41k€80k▲
Amounts payable within one year42/48€254k€134k▼
Current portion of amounts payable after more than one year42€15k-
Trade debts44€65k€78k▲
Suppliers440/4€65k€78k▲
Advances received on contracts in progress46€78k-
Taxes, remuneration and social security45€44k€1k▼
Taxes450/3€44k€106▼
Remuneration and social security454/9€664€1k▲
Other amounts payable47/48€52k€55k▲
Income statement
Code20232024
Turnover70€473k€318k▼
Goods, raw materials, services and sundry goods60/61€424k€286k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€18k▼
Other operating charges640/8€13k€2k▼
Gross operating margin9900€49k€32k▼
Operating profit (loss)9901€18k€13k▼
Financial income75/76B-€601
Recurring financial income75-€601
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€14k€10k▼
Income taxes67/77€2k€455▼
Profit (loss) for the period9904€13k€10k▼
Profit (loss) for the period to be appropriated9905€13k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€45k▲
Profit (loss) brought forward from the previous period14P€22k€35k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €46k | €123k | €128k | €473k | €318k | ▼ 32.8% |
| Goods, raw materials, services and sundry goods60/61 | - | €109k | €108k | €424k | €286k | ▼ 32.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €7k | €6k | €19k | €18k | ▼ 4.9% |
| Other operating charges640/8 | - | €269 | €817 | €13k | €2k | ▼ 88.1% |
| Gross operating margin9900 | €12k | €14k | €20k | €49k | €32k | ▼ 34.5% |
| Operating profit (loss)9901 | €4k | €7k | €13k | €18k | €13k | ▼ 27.2% |
| Financial income75/76B | - | - | - | - | €601 | - |
| Recurring financial income75 | €46 | - | - | - | €601 | - |
| Financial charges65/66B | - | €835 | €605 | €3k | €3k | ▼ 6.0% |
| Recurring financial charges65 | €669 | €835 | €605 | €3k | €3k | ▼ 6.0% |
| Profit (loss) for the period before taxes9903 | €4k | €6k | €12k | €14k | €10k | ▼ 27.9% |
| Income taxes67/77 | - | €2k | €2k | €2k | €455 | ▼ 72.8% |
| Profit (loss) for the period9904 | €4k | €5k | €10k | €13k | €10k | ▼ 22.0% |
| Profit (loss) for the period to be appropriated9905 | €4k | €5k | €10k | €13k | €10k | ▼ 22.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €111k | €102k | €197k | €350k | €280k | ▼ 19.9% |
| Formation expenses20 | €127 | - | - | - | - | - |
| Fixed assets21/28 | €23k | €17k | €10k | €61k | €43k | ▼ 29.1% |
| Tangible fixed assets22/27 | €23k | €17k | €10k | €61k | €43k | ▼ 29.1% |
| Furniture and vehicles24 | - | €17k | €10k | €61k | €43k | ▼ 29.1% |
| Current assets29/58 | €87k | €85k | €187k | €289k | €237k | ▼ 18.0% |
| Stocks and contracts in progress3 | €41k | €49k | €115k | €150k | €157k | ▲ 4.5% |
| Stocks30/36 | - | €49k | €115k | €150k | €157k | ▲ 4.5% |
| Amounts receivable within one year40/41 | €46k | €31k | €35k | €127k | €68k | ▼ 46.6% |
| Trade receivables40 | - | €21k | €17k | €56k | €44k | ▼ 21.3% |
| Other amounts receivable41 | - | €10k | €18k | €71k | €24k | ▼ 66.5% |
| Cash at bank and in hand54/58 | - | €3k | €36k | €11k | €11k | ▲ 0.9% |
| Deferred charges and accrued income490/1 | - | €1k | €1k | €1k | €1k | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €111k | €102k | €197k | €350k | €280k | ▼ 19.9% |
| Equity10/15 | €28k | €32k | €43k | €55k | €65k | ▲ 18.0% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | - | €19k | €19k | €19k | €19k | = |
| Issued capital100 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €700 | €1k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €1k | €2k | €2k | €2k | = |
| Legal reserve130 | - | €1k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €8k | €12k | €22k | €35k | €45k | ▲ 28.5% |
| Amounts payable17/49 | €83k | €70k | €155k | €294k | €215k | ▼ 27.1% |
| Amounts payable after more than one year17 | €13k | €8k | €3k | €41k | €80k | ▲ 97.9% |
| Financial debts170/4 | - | €8k | €3k | €41k | €80k | ▲ 97.9% |
| Amounts payable within one year42/48 | €70k | €62k | €152k | €254k | €134k | ▼ 47.0% |
| Current portion of amounts payable after more than one year42 | - | €5k | €5k | €15k | - | - |
| Trade debts44 | €21k | €5k | €45k | €65k | €78k | ▲ 19.4% |
| Suppliers440/4 | - | €5k | €45k | €65k | €78k | ▲ 19.4% |
| Advances received on contracts in progress46 | - | - | €42k | €78k | - | - |
| Taxes, remuneration and social security45 | - | €5k | €13k | €44k | €1k | ▼ 97.0% |
| Taxes450/3 | - | - | €106 | €44k | €106 | ▼ 99.8% |
| Remuneration and social security454/9 | - | €5k | €13k | €664 | €1k | ▲ 85.5% |
| Other amounts payable47/48 | - | €47k | €47k | €52k | €55k | ▲ 6.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €5k | €10k | €13k | €10k | ▼ 22.0% |
| + Depreciation and write-downs630 | €7k | €7k | €6k | €19k | €18k | ▼ 4.9% |
| Operating cash flow (approximation) | €11k | €11k | €17k | €31k | €28k | ▼ 11.9% |
| Investment in fixed assets (approximation) | - | €-127 | €0 | €-69k | €0 | ▲ 100% |
| Change in cash | - | - | €33k | €-25k | €102 | ▲ 100% |
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
2026
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 209 days late
2025
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 157 days late
2024
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 243 days late
2023
31-12
Financial
Highest result since 2019net €13k ▲22.1%
Operating result €18k, net result €13k, both a record.
2022
20-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 112 days late
2021
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 111 days late
2020
31-12
Financial
Weakest financial yearnet €4k ▼28.7%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2019
Ground area
149 m²
Building footprint
94 m²
Volume, LiDAR
1,242 m³
Parcel 21815D0104/00E002, Brussels · tallest building 18.7 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
LANOYA
since 20192.372.548.041
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21815D0104/00E002 | Brussels | 149 m² | 1 · 94 m² | 18.7 m · 5 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.
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Of 1,732 companies in sector 47742 we hold annual accounts for 1,137. 962 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded09-04-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Scores and ratios are computed by Checked and are not a credit decision.