Lavy
ActiveLavy has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €10k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 75% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent▲ +31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+88
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.7 against 6.42 in 2024), and 21.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78.8%
Return on assets
13.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
9 d late
2024
31 d late
2023
7 d late
2022
58 d late
2021
31 d late
2019
192 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 21.4%
2024 · €47k
2019: €64k
2021: €62k
2022: €41k
2023: €65k
2024: €47k
2019 → 2025
Total assets
€73k▲ 30.2%
2024 · €56k
2019: €86k
2021: €62k
2022: €47k
2023: €83k
2024: €56k
2019 → 2025
Net result
€10k
2024 · €-17k
2019: €20k
2021: €-6k
2022: €-20k
2023: €23k
2024: €-17k
2019 → 2025
Working capital
€57k▲ 21.5%
2024 · €47k
2019: €64k
2022: €41k
2023: €65k
2024: €47k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€41k▼ 33.0%€65k▲ 56.6%€47k▼ 26.7%€58k▲ 21.4%
Operating result€3k-€-18k€43k€-17k€15k
Net result€-6k-€-20k▼ 213%€23k€-17k€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €17k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€168=
Current assets
€73k▲ 30.3%
Equity and liabilities €73k
Equity
€58k▲ 21.4%
Debt
€16k▲ 78.0%
The debt ratio rises from 15.5% to 21.2%: debt grows faster than equity.
Key figures and ratios
Solvency
78.8%▼
2024 · 84.5%
Current ratio
4.70▼
2024 · 6.42
Quick ratio
4.70▼
2024 · 6.42
Debt / equity
0.27▲
2024 · 0.18
ROE
17.6%▲
2024 · -36.5%
ROA
13.9%▲
2024 · -30.8%
Debt
€16k▲
2024 · €9k
Debt ≤ 1 year
€16k▲
2024 · €9k
Income taxes
€5k▲
2024 · €235
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€56k€73k▲
Fixed assets21/28€168€168=
Financial fixed assets28€168€168=
Current assets29/58€56k€73k▲
Amounts receivable within one year40/41€38k€34k▼
Trade receivables40€9k€9k▼
Other amounts receivable41€29k€25k▼
Cash at bank and in hand54/58€18k€39k▲
Equity and liabilities
Total equity and liabilities10/49€56k€73k▲
Equity10/15€47k€58k▲
Contributions10/11€6k€6k=
Reserves13€23k€23k=
Distributable reserves133€23k€23k=
Profit (loss) carried forward14€18k€28k▲
Amounts payable17/49€9k€16k▲
Amounts payable within one year42/48€9k€16k▲
Trade debts44€178-
Suppliers440/4€178-
Taxes, remuneration and social security45€9k€12k▲
Taxes450/3€9k€12k▲
Other amounts payable47/48-€3k
Income statement
Code20242025
Other operating charges640/8€817€539▼
Gross operating margin9900€-16k€16k▲
Operating profit (loss)9901€-17k€15k▲
Financial income75/76B-€6
Recurring financial income75-€6
Financial charges65/66B€191€205▲
Recurring financial charges65€191€205▲
Profit (loss) for the period before taxes9903€-17k€15k▲
Income taxes67/77€235€5k▲
Profit (loss) for the period9904€-17k€10k▲
Profit (loss) for the period to be appropriated9905€-17k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€28k▲
Profit (loss) brought forward from the previous period14P€35k€18k▼
The notes to these accounts (2 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
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-12
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
08-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 192 days late
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Elsene · 1 establishment unit since 2017
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.
Louizalaan 2091050 ElseneGround area
6,365 m²
Building footprint
1,856 m²
Volume, LiDAR
35,148 m³
2 parcels, Brussels · tallest building 32.2 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Lavy
since 20172.266.272.762
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0003/00N007 | Brussels | 5,665 m² | 1 · 1,156 m² | 21.7 m · 6 fl. |
| 21807G0120/00L005 | Brussels | 700 m² | 1 · 700 m² | 32.2 m · 9 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.
Similar companies · same sector, comparable size
L&P CONSULTANCY
BE 0778.719.067
Hamont-Achel · Eq €58k
SPECIALIZED SERVICES
BE 0460.483.051
Overijse · Eq €58k
INICIO CONSULTING
BE 1027.143.886
Herent · Eq €58k
La Rodriguera
BE 0787.448.374
Merelbeke-Melle · Eq €58k
REGIE ET TECHNIQUES DE SPECTACLES
BE 0477.205.653
Sprimont · Eq €58k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 38,669 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-04-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.