Active BE 0778.240.797Private limited company

Leroi & Partners

Tongersesteenweg 166 ·3723 Hasselt, Belgium· 4 yrs active

Sector: NACE 66220 (66220)

Conclusion Checked

Leroi & Partners is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.01M and a net result of €502k. Equity is growing by ~76.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 223 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€1.01M
Net result	€502k
Staff (FTE)	10.7
Better than sector	38%

Snowflake analysis 4 of 5 axes measured · computed by Checked

78 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 40

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview4 NBB filings

Annual accounts filed on 18-05-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~76.9%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 66 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	32.1%	47.6%	better than 38% of 223 sector peers
Net result	€502k	€43k	better than 95% of 223 sector peers
Equity	€1.01M	€83k	better than 95% of 223 sector peers
Gross operating margin	€1.89M	€89k	better than 95% of 223 sector peers
Staff costs	€700k	€60k	higher than 95% of 65 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€502k

+35.4% 22-25

Total assets

€3.16M

-8.8% 22-25

Equity

€1.01M

+65.7% 22-25

Employees (FTE)

11

+114.0% 22-25

Staff costs

€700k

+108.1% 22-25

Income taxes

€148k

+50.8% 22-25

Debt

€2.15M

-24.7% 22-25

Debt ≤ 1y

€778k

+10.1% 22-25

Debt > 1y

€1.37M

-36.2% 22-25

Solvency

32.1%

+81.7% 22-25

ROE

49.5%

-18.3% 22-25

ROA

15.9%

+48.5% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	n/a
EBITDA	n/a
Net profit	€502k
Cash flow	n/a
Staff costs	€700k
Income taxes	€148k
Dividends	-
Total assets	€3.16M
Equity	€1.01M
Debt	€2.15M
of which ≤ 1y	€778k
of which > 1y	€1.37M
Working capital	n/a
Employees (FTE)	10.7

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	32.1%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	15.9%
ROE	49.5%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €2.77M · 87.5% Current assets €395k · 12.5%

Equity & liabilities

Equity €1.01M · 32.1% Debt €2.15M · 67.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€3.16M
Fixed assets	21/28	€2.77M
Intangible fixed assets	21	€2.62M
Tangible fixed assets	22/27	€148k
Current assets	29/58	€395k
Amounts receivable within one year	40/41	€16k
Cash & bank	54/58	€364k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€3.16M
Equity	10/15	€1.01M
Contributions / capital	10/11	€70k
Reserves	13	€945k
Amounts payable	17/49	€2.15M
Amounts payable after one year	17	€1.37M
Amounts payable within one year	42/48	€778k
Trade debts payable within one year	44	€676
Income statement
Gross operating margin	9900	€1.89M
Operating result	9901	€755k
Financial income	75	€2k
Financial charges	65	€108k
Result before taxes	9903	€650k
Income taxes	67/77	€148k
Net result for the period	9904	€502k
Result to be appropriated	9905	€502k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 5 directors

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (24128388). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

BV Leroi StijnLegal entity
Director
State Gazette act 24128388 (02-09-2024)

Current
19-07-2024 → present
BV Tamara LoverixLegal entity
Director
State Gazette act 24128388 (02-09-2024)

Current
19-07-2024 → present
VOF KMIMLegal entity
Director
State Gazette act 24128388 (02-09-2024)

Current
19-07-2024 → present

Former directors (2)

Maarten Kersten
Director
State Gazette act 24128388 (02-09-2024)

Former
- → 19-07-2024
Michael Marechal
Director
State Gazette act 24128388 (02-09-2024)

Former
- → 19-07-2024

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	66220
Legal form	Private limited company(610)
Incorporation	03-12-2021
Status	Active
Postal code	3723

Establishment units 1 location

Proesmans & Partners

Sint-Maternuswal 3, 3700 Tongeren-BorgloonVerstrekken van verbruikskrediet

since 20212.324.791.278

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73083C0933/00L000 ProtectedMonument · Townscape or village viewGemeentelijke Jongens- en Tekenschool: gevels, bedaking en omheiningsmuur met hekwerkSource ↗	Flanders	1,900 m²	1 · 881 m²	17.1 m · 4 fl.
73020A0429/00L000	Flanders	639 m²	1 · 188 m²	9.7 m · 2 fl.

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.

1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

18-05-2026

NBB filing Annual accounts filed

fiscal year 2025 · micro

2025

18-03-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

02-09-2024

State Gazette act Director changes

24-07-2024

State Gazette act Registered-office change

Laura Neesen

20-06-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

19-06-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

Belgisch Staatsblad, acts 2 acts

Address history · 1

24-07-2024

Registered-office move

All acts · 2 updated 1 year ago

2024

02-09-2024 3 directors appointed, 2 resigning Director changes

VOF KMIM, Bestuurder
BV Leroi Stijn, Bestuurder
BV Tamara Loverix, Bestuurder
Maarten Kersten, Bestuurder
Michael Marechal, Bestuurder

Original publication ↗

Technical details

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24-07-2024 Registered office moved from Tongeren to Guigoven Registered-office change·Laura Neesen

Sint-Maternuswal 3 bus 2 → 3723 Guigoven, Tongersesteenweg 166

Notary: Laura Neesen · TongerenFirm: Proesmans & Partners

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Company registry (CBE) Crossroads Bank

Activities

Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220

Primary activity highlighted.

Names & trade names

Legal nameNL

Leroi & Partners

Registered office

Tongersesteenweg 166

3723 Hasselt, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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