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Private limited companyfounded 201015 yrs activeBarrierstraat 64, 3960 Bree, BelgiumKBO/BCE: BE 0830.555.570
Summary

LEY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €488,165 and a net result of €30,130. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 37% of 6155 sector peers (fiscal year 2024). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
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Signals

1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-08-2025, 12 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 · 10 filings
Deviation from the deadline
2025
not confirmed
2024
12 d late
2023
42 d late
2022
56 d early
2021
29 d late
2020
36 d early
2019
6 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 22 October 2010, LEY was incorporated.1 Total assets went from EUR 1.4 million in 2018 to EUR 1.3 million in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, abbreviated schema

Equity
€488,165▲ 6.6%
2023 · €458,035
Net result
€30,130▼ 7.7%
2023 · €32,659
Total assets
€1.3m=
2023 · €1.3m
Solvency
37.9%▲ 2.3pp
2023 · 35.5%
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result€77,441▲ 28.4%€68,371▼ 11.7%€73,840▲ 8.0%€76,212▲ 3.2%€78,498▲ 3.0%
Net result€35,260▲ 148%€27,749▼ 21.3%€33,747▲ 21.6%€32,659▼ 3.2%€30,130▼ 7.7%
Equity€363,880▲ 10.7%€391,629▲ 7.6%€425,376▲ 8.6%€458,035▲ 7.7%€488,165▲ 6.6%
Total assets€1.4m▼ 1.4%€1.4m▼ 2.2%€1.3m▼ 4.5%€1.3m▼ 0.3%€1.3m=
Debt€1.0m▼ 5.1%€962,092▼ 5.7%€866,859▼ 9.9%€830,534▼ 4.2%€800,518▼ 3.6%
Working capital-€258,277▲ 6.5%-€227,591▲ 11.9%-€200,852▲ 11.7%-€170,922▲ 14.9%-€219,298▼ 28.3%
Solvency26.3%▲ 2.9pp28.9%▲ 2.6pp32.9%▲ 4.0pp35.5%▲ 2.6pp37.9%▲ 2.3pp
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000€60,000€80,000Operating result 2020: €77,441€77,441Net result 2020: €35,260€35,260Operating result 2021: €68,371€68,371Net result 2021: €27,749€27,749Operating result 2022: €73,840€73,840Net result 2022: €33,747€33,747Operating result 2023: €76,212€76,212Net result 2023: €32,659€32,659Operating result 2024: €78,498€78,498Net result 2024: €30,130€30,13020202021202220232024€0€20,000€40,000€60,000€80,000Operating result 2022: €73,840€73,800Net result 2022: €33,747€33,700Operating result 2023: €76,212€76,200Net result 2023: €32,659€32,700Operating result 2024: €78,498€78,500Net result 2024: €30,130€30,100202220232024
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 3% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.3m
Fixed assets €1.2m ▲ 3.1%
Current assets €73,033 ▼ 33.3%
Equity and liabilities €1.3m
Equity €488,165 ▲ 6.6%
Debt €800,518 ▼ 3.6%
Debt's share of the balance-sheet total falls from 64.5% to 62.1%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
ROE
6.2%▼
2023 · 7.1%
ROA
2.3%▼
2023 · 2.5%
Debt ≤ 1 year
€292,331▲
2023 · €280,469
Debt > 1 year
€479,315▼
2023 · €529,545
Income taxes
€12,999▼
2023 · €14,831
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet Code20232024
Assets
Total assets20/58€1.3m€1.3m=
Fixed assets21/28€1.2m€1.2m▲
Tangible fixed assets22/27€568,495€605,123▲
Land and buildings22€568,495€528,505▼
Furniture and vehicles24-€5,813
Leasing and similar rights25-€70,805
Financial fixed assets28€610,527€610,527=
Current assets29/58€109,547€73,033▼
Amounts receivable within one year40/41€39,737€17,667▼
Trade receivables40€39,299€17,667▼
Other amounts receivable41€438-
Cash at bank and in hand54/58€69,810€55,366▼
Equity and liabilities
Total equity and liabilities10/49€1.3m€1.3m=
Equity10/15€458,035€488,165▲
Contributions10/11€150,000€150,000=
Reserves13€308,035€338,165▲
Distributable reserves133€308,035€338,165▲
Amounts payable17/49€830,534€800,518▼
Amounts payable after more than one year17€529,545€479,315▼
Financial debts170/4€529,545€479,315▼
Amounts payable within one year42/48€280,469€292,331▲
Current portion of amounts payable after more than one year42€48,586€50,230▲
Trade debts44€15,188€316▼
Suppliers440/4€15,188€316▼
Taxes, remuneration and social security45€15,302€31,766▲
Taxes450/3€15,302€31,766▲
Other amounts payable47/48€201,393€210,019▲
Accrued charges and deferred income492/3€20,520€28,872▲
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39,989€45,403▲
Other operating charges640/8€13,406€13,974▲
Gross operating margin9900€129,607€137,875▲
Operating profit (loss)9901€76,212€78,498▲
Financial charges65/66B€28,722€35,369▲
Recurring financial charges65€28,722€35,369▲
Profit (loss) for the period before taxes9903€47,490€43,129▼
Income taxes67/77€14,831€12,999▼
Profit (loss) for the period9904€32,659€30,130▼
Profit (loss) for the period to be appropriated9905€32,659€30,130▼
Appropriation of the result
Profit (loss) to be appropriated9906€32,659€30,130▼
Transfer to equity691/2€32,659€30,130▼
To other reserves6921€32,659€30,130▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39,989€39,989€39,989€39,989€45,403▲ 13.5%
Other operating charges640/8-€13,370€12,400€13,406€13,974▲ 4.2%
Gross operating margin9900€136,590€121,730€126,229€129,607€137,875▲ 6.4%
Operating profit (loss)9901€77,441€68,371€73,840€76,212€78,498▲ 3.0%
Financial income75/76B--€34---
Recurring financial income75--€34---
Financial charges65/66B-€27,169€25,080€28,722€35,369▲ 23.1%
Recurring financial charges65€28,257€27,169€25,080€28,722€35,369▲ 23.1%
Profit (loss) for the period before taxes9903€49,184€41,202€48,794€47,490€43,129▼ 9.2%
Income taxes67/77€13,924€13,453€15,047€14,831€12,999▼ 12.4%
Profit (loss) for the period9904€35,260€27,749€33,747€32,659€30,130▼ 7.7%
Profit (loss) for the period to be appropriated9905€35,260€27,749€33,747€32,659€30,130▼ 7.7%
Line20202021202220232024Change
Assets
Total assets20/58€1.4m€1.4m€1.3m€1.3m€1.3m=
Fixed assets21/28€1.3m€1.3m€1.2m€1.2m€1.2m▲ 3.1%
Tangible fixed assets22/27€688,462€648,473€608,484€568,495€605,123▲ 6.4%
Land and buildings22-€648,473€608,484€568,495€528,505▼ 7.0%
Furniture and vehicles24----€5,813-
Leasing and similar rights25----€70,805-
Financial fixed assets28€610,527€610,527€610,527€610,527€610,527=
Current assets29/58€85,058€94,721€73,224€109,547€73,033▼ 33.3%
Amounts receivable within one year40/41€32,773€38,857€15,163€39,737€17,667▼ 55.5%
Trade receivables40-€38,857€15,163€39,299€17,667▼ 55.0%
Other amounts receivable41---€438--
Cash at bank and in hand54/58€19,096€14,675€58,061€69,810€55,366▼ 20.7%
Deferred charges and accrued income490/1-€41,189----
Equity and liabilities
Total equity and liabilities10/49€1.4m€1.4m€1.3m€1.3m€1.3m=
Equity10/15€363,880€391,629€425,376€458,035€488,165▲ 6.6%
Contributions10/11€150,000€150,000€150,000€150,000€150,000=
Capital10-€150,000€150,000---
Issued capital100-€150,000€150,000---
Reserves13€213,880€241,629€275,376€308,035€338,165▲ 9.8%
Non-distributable reserves130/1-€15,000€15,000---
Legal reserve130-€15,000€15,000---
Distributable reserves133-€226,629€260,376€308,035€338,165▲ 9.8%
Amounts payable17/49€1.0m€962,092€866,859€830,534€800,518▼ 3.6%
Amounts payable after more than one year17€663,637€625,128€578,131€529,545€479,315▼ 9.5%
Financial debts170/4-€625,128€578,131€529,545€479,315▼ 9.5%
Amounts payable within one year42/48€343,335€322,312€274,076€280,469€292,331▲ 4.2%
Current portion of amounts payable after more than one year42-€73,509€46,997€48,586€50,230▲ 3.4%
Trade debts44€10,098€16,069€13,878€15,188€316▼ 97.9%
Suppliers440/4-€16,069€13,878€15,188€316▼ 97.9%
Taxes, remuneration and social security45-€18,206€20,122€15,302€31,766▲ 108%
Taxes450/3-€18,206€20,122€15,302€31,766▲ 108%
Other amounts payable47/48-€214,528€193,079€201,393€210,019▲ 4.3%
Accrued charges and deferred income492/3-€14,652€14,652€20,520€28,872▲ 40.7%
Line20202021202220232024Change
Profit (loss) for the period9904€35,260€27,749€33,747€32,659€30,130▼ 7.7%
+ Depreciation and write-downs630€39,989€39,989€39,989€39,989€45,403▲ 13.5%
Operating cash flow (approximation)€75,249€67,738€73,736€72,648€75,533▲ 4.0%
Investment in fixed assets (approximation)-€0€0€0-€82,031-
Change in cash--€4,421€43,386€11,749-€14,444▼ 223%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
12-08
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 12 days late
2024
11-09
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema · 42 days late
2023
05-06
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-08
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
25-06
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial Highest result since 2018net €35,260 ▲148%
Net result €35,260, the highest in the series.
06-08
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 6 days late
2019
31-12
Financial Weakest financial yearnet €14,192 ▼43.5%
Net result drops to €14,192, the lowest in the series; recovery starts the following year.
15-07
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-08
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 2 days late
2017
23-08
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
2016
31-08
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
4 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, Bree · 1 establishment unit since 2010
seat establishment approximate The establishment unit on the map
Ground area
1,163 m²
Building footprint
138 m²
Volume, LiDAR
856 m³
Parcel 72402A0155/00A002, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LEY
Barrierstraat 64, 3960 BreeFinancial service activities, except insurance and pension funding
since 20102.193.079.730
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72402A0155/00A002 Flanders 1,163 m² 1 · 137 m² 9.2 m · 2 fl.
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.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,620 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded22-10-2010
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
47820Retail sale of motor vehicle parts and accessories
46851Wholesale of industrial chemicals
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
Contact
E-mail leo.rijken@rtcb.be
Phone 0495360331
E-invoicing
Reachable via Peppol
Peppol ID 0208:0830555570
Registered 29-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.