Gross margin from €61,903 to -€27,995Loss of €30,627Equity from €100,035 to €69,408Debts from €126,922 to €175,668Investments €2,130Cash from €4,594 to €463
Lower net result than 95% of companies in auxiliary financial services. Sector median €32,542 · 3,077 companies.
2025 accounts filed 76 days after the deadlineFinancial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Checked score
The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
raises risk
raises risk · 2025 accounts filed 76 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-10-2026, 76 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 84 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Company renamed from MOREAU REAL ESTATE INVESTMENT to LILYA INVEST
“L’intermédiaire en achat et vente de chevaux,pour compte personnel ou compte de tiers,ainsi que le négoce…” (deed in French) · General meeting of 14-10-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0804472765
Incorporation
Demerger: MOREAU REAL ESTATE splits off to MOREAU REAL ESTATE INVESTMENT · Founder: MOREAU REAL ESTATE (comparante constituante par scission sans dissolution) · Reappointment: MOREAU Michaël Jean Adam (director) · published on 03-08-2023 · Gazette deed
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
These companies have the same main activity as LILYA INVEST: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €85,500 and €459,000, founded between 2019 and 2025.
LILYA INVEST 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 €69,408 and a net result of -€30,627.
Its solvency ranks better than 32% of 3,076 sector peers (NACE 66, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.