Financials
- Fiscal year
- 2025
- Total assets
- €765,083
- Profit
- €116,287
- Solvency
- 76.3%
Total assets▲ 2.1%
Net result
20182025
LAY
ActiveSummary
LAY has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €583,467 and a net result of €116,287. Equity is growing by ~15.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Activity not known
Size
€765,083total assets 2025
- Equity
- €583,467
- Profit
- €116,287
Turnover not published (abridged schema)
Structure
Accounts 7 d early0 of 1 deed read
Why 97- No establishment unit in the KBO+ Size: total assets €765,083+ Liquidity: current ratio 5.51, cash €310,418+ Equity €583,467 (76.3% of total assets)Show the evidence
Checked score
Score 2025
97
/ 100
Excellent
Probability in this band: under 0.55%
Better than 78% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100+6
equity 76.3% of total assets
Liquidity
98+1
short-term debt 12.6% · cash 40.6%
Profitability
88+6
return on assets 15.2%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: < 0.1%
12-2024: < 0.1%● 0.0% vs 11-2024
01-2025: < 0.1%▲ +4.8% vs 12-2024
02-2025: < 0.1%▲ +2.3% vs 01-2025
03-2025: < 0.1%● 0.0% vs 02-2025
04-2025: < 0.1%▼ -4.4% vs 03-2025
05-2025: < 0.1%▲ +2.3% vs 04-2025
06-2025: < 0.1%▲ +2.3% vs 05-2025
07-2025: 0.1%▲ +24.4% vs 06-2025
08-2025: 0.1%▲ +145% vs 07-2025highest value
09-2025: < 0.1%▼ -69.3% vs 08-2025
10-2025: < 0.1%● 0.0% vs 09-2025
11-2025: < 0.1%● 0.0% vs 10-2025
12-2025: < 0.1%● 0.0% vs 11-2025
01-2026: < 0.1%▲ +4.8% vs 12-2025
02-2026: < 0.1%▲ +2.3% vs 01-2026
03-2026: < 0.1%● 0.0% vs 02-2026
04-2026: < 0.1%▼ -4.4% vs 03-2026
05-2026: < 0.1%▲ +2.3% vs 04-2026
06-2026: < 0.1%▲ +2.3% vs 05-2026
07-2026: < 0.1%▲ +11.1% vs 06-2026
08-2026: < 0.1%▼ -20.0% vs 07-2026lowest value
09-2026: < 0.1%● 0.0% vs 08-2026lowest value
10-2026: < 0.1%● 0.0% vs 09-2026lowest value
- Size: total assets €765,083 lowers the probability for this profile
- Liquidity: current ratio 5.51, cash €310,418 lowers the probability
- Equity €583,467 (76.3% of total assets) lowers the probability
- No establishment unit in the KBO raises the probability
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 5.51 against 4.44 in 2024; short-term debt: 12.6% and cash: 40.6% of total assets), and 23.7% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 89%, profitability 71%, growth against the median 71%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
on the day
2023
27 d late
2022
9 d late
2021
26 d late
2020
23 d late
2019
79 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 22 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 9 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2018net €116,287 ▲41.2%
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 24-07-2026Annual accounts filed
- 31-12-2025Highest result since 2018
- 31-07-2025Annual accounts filed
Company details
- Legal form
- Private limited company
- Founded
- 18-05-2000
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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