LAYHER
ActiveSummary
LAYHER has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.5m and a net result of -€66,248. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 18% of 5048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability26▼-19
Solvency42▼-6
Growth44▼-19
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110,000 at 30 days acceptable
Liquidity tight (current ratio 1.18 against 1.29 in 2024; short-term debt: 82.9% and cash: 15% of total assets), and 83.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 5048 sector peers (2025).
NBB · sector comparisonPosition among 5048 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
4 d early
2022
10 d late
2021
5 d early
2020
20 d late
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 30 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
€22.8m▼ 8.6%
2024 · €24.9m
EBIT margin
0.9%▼ 0.2pp
2024 · 1.1%
Net result
-€66,248
2024 · €154,578
Working capital
€2.2m▼ 8.8%
2024 · €2.4m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€18.6m▼ 17.8%€17.0m▼ 8.4%€20.0m▲ 17.9%€24.9m▲ 24.4%€22.8m▼ 8.6%
Operating result€270,549▲ 18.4%€333,836▲ 23.4%€223,725▼ 33.0%€282,960▲ 26.5%€205,005▼ 27.5%
Net result€135,837within the sector's middle half▲ 1.1%€181,266within the sector's middle half▲ 33.4%€137,321within the sector's middle half▼ 24.2%€154,578within the sector's middle half▲ 12.6%-€66,248below the sector's middle half
EBIT margin1.5%▲ 0.4pp2.0%▲ 0.5pp1.1%▼ 0.8pp1.1%=0.9%▼ 0.2pp
Equity€2.1mwithin the sector's middle half▲ 7.1%€2.2mwithin the sector's middle half▲ 8.8%€2.4mwithin the sector's middle half▲ 6.1%€2.5mwithin the sector's middle half▲ 6.5%€2.5mwithin the sector's middle half▼ 2.6%
Total assets€10.8mwithin the sector's middle half▲ 46.7%€7.3mwithin the sector's middle half▼ 32.4%€11.6mwithin the sector's middle half▲ 58.7%€10.9mwithin the sector's middle half▼ 5.9%€14.8mabove the sector's middle half▲ 36.0%
Debt€8.7m▲ 60.6%€5.0m▼ 42.2%€9.2m▲ 82.0%€8.4m▼ 9.1%€12.3m▲ 47.6%
Working capital€1.9mwithin the sector's middle half▲ 12.2%€2.2mwithin the sector's middle half▲ 13.2%€2.3mwithin the sector's middle half▲ 2.2%€2.4mwithin the sector's middle half▲ 6.7%€2.2mwithin the sector's middle half▼ 8.8%
Solvency19.0%below the sector's middle half▼ 7.0pp30.7%within the sector's middle half▲ 11.6pp20.5%below the sector's middle half▼ 10.2pp23.2%within the sector's middle half▲ 2.7pp16.6%below the sector's middle half▼ 6.6pp
Current ratio1.22within the sector's middle half▼ 0.101.44within the sector's middle half▲ 0.221.25within the sector's middle half▼ 0.201.29within the sector's middle half▲ 0.041.18below the sector's middle half▼ 0.11
Return on assets (ROA)1.3%within the sector's middle half▼ 0.6pp2.5%within the sector's middle half▲ 1.2pp1.2%within the sector's middle half▼ 1.3pp1.4%within the sector's middle half▲ 0.2pp-0.4%below the sector's middle half▼ 1.9pp
Staff (FTE)9.6within the sector's middle half▼ 2.0%9.7within the sector's middle half▲ 1.0%11.3within the sector's middle half▲ 16.5%10.9within the sector's middle half▼ 3.5%10.2within the sector's middle half▼ 6.4%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 28% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.8m
Fixed assets
€341,841 ▲ 59.9%
Current assets
€14.4m ▲ 35.5%
Equity and liabilities €14.8m
Equity
€2.5m ▼ 2.6%
Debt
€12.3m ▲ 47.6%
Debt's share of the balance-sheet total rises from 76.8% to 83.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€268,583▼
2024 · €321,039
Cash flow
-€2,670▼
2024 · €192,657
Debt to equity
5.01▲
2024 · 3.31
ROE
-2.7%▼
2024 · 6.1%
Interest coverage
1.00▼
2024 · 4.18
Debt ≤ 1 year
€12.3m▲
2024 · €8.3m
Income taxes
€931▼
2024 · €58,428
Staff costs
€1.0m▼
2024 · €1.1m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,507 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a small loss
1.6%
went bankrupt
1.8%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,507 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €18.8m | €21.9m | €27.1m | €24.7m | ▼ 8.9% |
| Turnover70 | €18.6m | €17.0m | €20.0m | €24.9m | €22.8m | ▼ 8.6% |
| Other operating income74 | - | €1.8m | €1.8m | €2.1m | €1.9m | ▼ 12.2% |
| Non-recurring operating income76A | - | €14,811 | €20,264 | €11,603 | - | - |
| Operating charges60/66A | - | €18.4m | €21.6m | €26.8m | €24.5m | ▼ 8.7% |
| Goods for resale, raw materials and consumables60 | - | €16.7m | €19.7m | €24.6m | €22.4m | ▼ 8.7% |
| Purchases600/8 | - | €16.7m | €19.7m | €24.6m | €22.4m | ▼ 8.7% |
| Services and other goods61 | - | €757,780 | €818,948 | €1.0m | €899,695 | ▼ 14.1% |
| Remuneration, social security and pensions62 | - | €900,223 | €1.0m | €1.1m | €1.0m | ▼ 10.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €78,861 | €58,078 | €30,795 | €38,079 | €63,578 | ▲ 67.0% |
| Other operating charges640/8 | - | €9,833 | €9,751 | €9,142 | €30,149 | ▲ 230% |
| Non-recurring operating charges66A | - | €9,054 | €0 | - | €7,465 | - |
| Operating profit (loss)9901 | €270,549 | €333,836 | €223,725 | €282,960 | €205,005 | ▼ 27.5% |
| Financial income75/76B | - | €7,842 | €18,515 | €9,305 | - | - |
| Recurring financial income75 | - | €7,842 | €18,515 | €9,305 | - | - |
| Income from financial fixed assets750 | - | €7,842 | €18,515 | €9,305 | - | - |
| Other financial income752/9 | - | - | €1 | €0 | - | - |
| Financial charges65/66B | - | €87,197 | €60,203 | €79,259 | €270,322 | ▲ 241% |
| Recurring financial charges65 | €82,351 | €87,197 | €60,203 | €79,259 | €270,307 | ▲ 241% |
| Debt charges650 | €61,553 | €58,292 | €56,946 | €76,768 | €267,869 | ▲ 249% |
| Other financial charges652/9 | - | €28,905 | €3,258 | €2,491 | €2,438 | ▼ 2.1% |
| Non-recurring financial charges66B | - | - | - | - | €14 | - |
| Profit (loss) for the period before taxes9903 | €188,197 | €254,481 | €182,037 | €213,007 | -€65,317 | ▼ 131% |
| Income taxes67/77 | €52,361 | €73,215 | €44,716 | €58,428 | €931 | ▼ 98.4% |
| Taxes670/3 | - | €73,215 | €44,716 | €58,428 | €931 | ▼ 98.4% |
| Tax adjustments and reversals of tax provisions77 | - | €0 | - | - | - | - |
| Profit (loss) for the period9904 | €135,837 | €181,266 | €137,321 | €154,578 | -€66,248 | ▼ 143% |
| Profit (loss) for the period to be appropriated9905 | €135,837 | €181,266 | €137,321 | €154,578 | -€66,248 | ▼ 143% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €10.8m | €7.3m | €11.6m | €10.9m | €14.8m | ▲ 36.0% |
| Fixed assets21/28 | €123,916 | €116,851 | €176,272 | €213,790 | €341,841 | ▲ 59.9% |
| Tangible fixed assets22/27 | €121,416 | €114,351 | €173,772 | €213,790 | €341,841 | ▲ 59.9% |
| Plant, machinery and equipment23 | - | €16,690 | €31,607 | €21,930 | €57,567 | ▲ 163% |
| Furniture and vehicles24 | - | €97,660 | €142,166 | €191,860 | €284,274 | ▲ 48.2% |
| Financial fixed assets28 | €2,500 | €2,500 | €2,500 | €0 | - | - |
| Other financial fixed assets284/8 | - | €2,500 | €2,500 | €0 | - | - |
| Amounts receivable and cash guarantees285/8 | - | €2,500 | €2,500 | €0 | - | - |
| Current assets29/58 | €10.7m | €7.2m | €11.4m | €10.7m | €14.4m | ▲ 35.5% |
| Stocks and contracts in progress3 | €0 | €0 | €0 | €0 | - | - |
| Amounts receivable within one year40/41 | €2.1m | €4.8m | €7.8m | €7.7m | €10.4m | ▲ 34.8% |
| Trade receivables40 | - | €4.3m | €7.3m | €7.6m | €10.2m | ▲ 34.3% |
| Other amounts receivable41 | - | €465,906 | €472,482 | €49,314 | €106,866 | ▲ 117% |
| Cash at bank and in hand54/58 | €7.0m | €686,836 | €1.8m | €854,971 | €2.2m | ▲ 159% |
| Deferred charges and accrued income490/1 | - | €1.7m | €1.8m | €2.1m | €1.9m | ▼ 11.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €10.8m | €7.3m | €11.6m | €10.9m | €14.8m | ▲ 36.0% |
| Equity10/15 | €2.1m | €2.2m | €2.4m | €2.5m | €2.5m | ▼ 2.6% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €2.0m | €2.2m | €2.3m | €2.5m | €2.5m | = |
| Non-distributable reserves130/1 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | - | €2.2m | €2.3m | €2.5m | €2.5m | = |
| Profit (loss) carried forward14 | €3,622 | €4,888 | €5,209 | €4,788 | -€61,461 | ▼ 1,384% |
| Amounts payable17/49 | €8.7m | €5.0m | €9.2m | €8.4m | €12.3m | ▲ 47.6% |
| Amounts payable within one year42/48 | €8.7m | €5.0m | €9.1m | €8.3m | €12.3m | ▲ 48.4% |
| Trade debts44 | €64,210 | €88,104 | €121,300 | €84,492 | €82,947 | ▼ 1.8% |
| Suppliers440/4 | - | €88,104 | €121,300 | €84,492 | €82,947 | ▼ 1.8% |
| Advances received on contracts in progress46 | - | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | - | €752,151 | €436,619 | €562,075 | €693,577 | ▲ 23.4% |
| Taxes450/3 | - | €656,614 | €317,256 | €431,484 | €585,612 | ▲ 35.7% |
| Remuneration and social security454/9 | - | €95,537 | €119,363 | €130,591 | €107,965 | ▼ 17.3% |
| Other amounts payable47/48 | - | €4.1m | €8.6m | €7.6m | €11.5m | ▲ 50.8% |
| Accrued charges and deferred income492/3 | - | €88,146 | €57,757 | €91,129 | €74,248 | ▼ 18.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €135,837 | €181,266 | €137,321 | €154,578 | -€66,248 | ▼ 143% |
| + Depreciation and write-downs630 | €78,861 | €58,078 | €30,795 | €38,079 | €63,578 | ▲ 67.0% |
| Operating cash flow (approximation) | €214,697 | €239,345 | €168,116 | €192,657 | -€2,670 | ▼ 101% |
| Investment in fixed assets (approximation) | - | -€51,013 | -€90,217 | -€75,597 | -€191,629 | ▼ 153% |
| Change in cash | - | -€6.3m | €1.1m | -€918,522 | €1.4m | ▲ 248% |
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
Next filing, fiscal year 2026, expected by
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Weakest financial yearnet -€66,248
Net result drops to -€66,248, the lowest in the series.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
10-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 10 days late
31-03
Financial
Highest result since 2019net €181,266 ▲33.4%
Operating result €333,836, net result €181,266, both a record.
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-03
Financial
Equity above €2mEq €2.1m ▲7.1%
3 profitable years in a row build equity to €2.1m.
2020
20-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Kontich · 1 establishment unit since 2001
Ground area
1.4 ha
Building footprint
2,489 m²
Volume, LiDAR
12 m³
Parcel 11048A0094/00F000, Flanders · tallest building 0.3 m. Linked by address, not a title deed.
1 establishment unit
Mouterij 6, 2550 Kontich
since 20012.084.906.320
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11048A0094/00F000 | Flanders | 1.4 ha | 1 · 2,489 m² | 0.3 m |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 5,347 EUR awarded · 5,347 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 426 EUR | 426 EUR |
| 2024 | 1 | 895 EUR | 895 EUR |
| 2023 | 1 | 4,026 EUR | 4,026 EUR |
Schemes
Similar companies · same sector, comparable size
TRESPA BELGIUM
BE 0459.042.602
Hasselt · Eq €2,446,256
Cofapro
BE 0734.685.027
Wijnegem · Eq €2,316,846
AC Concept
BE 0465.789.941
Kampenhout · Eq €2,313,232
JAN HUET
BE 0878.142.780
Rijkevorsel · Eq €2,281,245
TRIMMOVAN
BE 0428.940.433
Tielt · Eq €2,232,987
Of 1,136 companies in sector 46130 we hold annual accounts for 647. 212 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded05-01-1998
Fiscal year end31-03
Activities, NACEBEL 2025
46130Agents in the wholesale of timber and building materials
46831Wholesale of construction materials, general range
E-invoicing
Reachable via Peppol
Peppol ID
0208:0462184214
Also
9925:BE0462184214
Registered
26-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.