Equity
Debts exceed assets in financial year 2025.
Debts exceed assets in financial year 2025.
Lower solvency than 82% of companies in wholesale trade. Sector median 40.5% · 15,443 companies.
In July 2024, 1,556 companies had the same profile as LAYB has now. Each dot stands for 4 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,556 companies, not a prediction for LAYB. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| LAYB Zaventem | €4,894 | €631 | -9.5% | - |
| MKR Mons | €4,593 | -€2,558 | 8.8% | - |
| Resolux Group Kortenberg | €3,194 | -€1,884 | -130.2% | - |
| CDK TOYS Hoeilaart | €6,629 | -€19,930 | -264.2% | - |
| FUNES & MATTHYS ASSOCIATES Ghent | €5,189 | -€805 | -8.9% | - |
| Tonivation Diksmuide | €6,876 | -€4,361 | 4.2% | - |
| ViaEurope Customs Belgium II Grâce-Hollogne | €6,871 | €1,527 | 6.7% | - |
These companies have the same main activity as LAYB: agents specialised in the wholesale of other particular products (NACE 46180). They are comparable in size and age: total assets between €3,190 and €6,880, founded between 2024 and 2025.
The 2025 annual accounts show negative equity (-€463) and a net result of -€463. Its solvency ranks better than 18% of 15,443 sector peers (NACE 46, financial year 2025).
The company has been active since 2024 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 1 administrative register entry.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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