LAYAN GARAGE
ActiveLAYAN GARAGE has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €15k. Equity is growing by ~63% per year across the filed fiscal years. Its solvency ranks better than 59% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-5
Solvency79▲+33
Growth85=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 1.25 in 2024; short-term debt: 30.3% and cash: 3.2% of total assets), and 46.5% 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
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
53.5%
Return on assets
12.9%
Age of the figures
9 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 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
63 d late
2023
63 d late
2022
51 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€207k▼ 30.8%
2023 · €298k
2022: €116k
2023: €298k
2022 → 2024
EBIT margin
19.9%▲ 12.4pp
2023 · 7.6%
2022: 4.7%
2023: 7.6%
2022 → 2024
Net result
€15k▼ 48.6%
2024 · €30k
2022: €4k
2023: €15k
2024: €30k
2022 → 2025
Working capital
€61k▲ 59.6%
2024 · €38k
2022: €2k
2023: €10k
2024: €38k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€116k-€298k▲ 157%€207k▼ 30.8%
Equity€4k-€19k▲ 376%€49k▲ 160%€64k▲ 31.7%
Operating result€5k-€23k▲ 313%€41k▲ 82.4%€16k▼ 61.8%
Net result€4k-€15k▲ 279%€30k▲ 101%€15k▼ 48.6%
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 2025; 2025 is 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€23k▼ 45.7%
Current assets
€97k▼ 48.9%
Equity and liabilities €120k
Equity
€64k▲ 31.7%
Debt
€56k▼ 69.6%
The debt ratio falls from 79.0% to 46.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▼
2024 · €43k
Cash flow
€33k▲
2024 · €32k
Solvency
53.5%▲
2024 · 21.0%
Current ratio
2.67▲
2024 · 1.25
Quick ratio
0.15▼
2024 · 0.34
Debt / equity
0.87▼
2024 · 3.76
ROE
24.0%▼
2024 · 61.6%
ROA
12.9%▼
2024 · 12.9%
Interest coverage
100.22▲
2024 · 35.34
Debt
€56k▼
2024 · €183k
Debt ≤ 1 year
€36k▼
2024 · €152k
Debt > 1 year
€19k▼
2024 · €31k
Staff costs
€178▼
2024 · €2k
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€232k€120k▼
Fixed assets21/28€42k€23k▼
Tangible fixed assets22/27€40k€21k▼
Plant, machinery and equipment23€2€2=
Furniture and vehicles24€40k€21k▼
Financial fixed assets28€2k€2k=
Current assets29/58€190k€97k▼
Stocks and contracts in progress3€138k€91k▼
Stocks30/36€138k€91k▼
Amounts receivable within one year40/41€34k€2k▼
Trade receivables40€34k€300▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€18k€4k▼
Equity and liabilities
Total equity and liabilities10/49€232k€120k▼
Equity10/15€49k€64k▲
Profit (loss) carried forward14€49k€64k▲
Amounts payable17/49€183k€56k▼
Amounts payable after more than one year17€31k€19k▼
Financial debts170/4€31k€19k▼
Amounts payable within one year42/48€152k€36k▼
Trade debts44€383€17k▲
Suppliers440/4€383€17k▲
Taxes, remuneration and social security45€25k€18k▼
Taxes450/3€25k€18k▼
Other amounts payable47/48€127k€846▼
Income statement
Code20242025
Turnover70€207k-
Goods, raw materials, services and sundry goods60/61€159k-
Remuneration, social security and pensions62€2k€178▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€18k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€47k€38k▼
Operating profit (loss)9901€41k€16k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€1k€338▼
Recurring financial charges65€1k€338▼
Profit (loss) for the period before taxes9903€40k€15k▼
Income taxes67/77€10k-
Profit (loss) for the period9904€30k€15k▼
Profit (loss) for the period to be appropriated9905€30k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€64k▲
Profit (loss) brought forward from the previous period14P€19k€49k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 2.67
Current ratio from 1.25 to 2.67; short-term debt falls from €152k to €36k.
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 63 days late
2024
31-12
Financial
Highest result since 2022net €30k ▲101%
Operating result €41k, net result €30k, both a record.
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2021
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.
Albert Panisstraat(BEV) 1309120 Beveren-Kruibeke-ZwijndrechtGround area
894 m²
Building footprint
408 m²
Volume, LiDAR
1,501 m³
Parcel 46503C0665/00V000, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LAYAN GARAGE BV
since 20212.319.337.009
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46503C0665/00V000 | Flanders | 894 m² | 1 · 408 m² | 10.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
M.D. CARS INTERNATIONAL
BE 0461.861.738
Anderlecht · Eq €64k
POVAX
BE 0501.935.606
Braine-l'Alleud · Eq €64k
VAROMAC
BE 0658.853.001
Antwerpen · Eq €63k
O & O INTERNATIONAL
BE 0865.277.117
Beveren-Kruibeke-Zwijndrecht · Eq €63k
PHYMMO
BE 0865.487.250
Knokke-Heist · Eq €65k
Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 756 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2021
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.