LyL Consulting
ActiveLyL Consulting has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87k and a net result of €33k. Equity is growing by ~58.8% per year across the filed fiscal years. Its solvency ranks better than 51% of 3476 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-7
Solvency76▼-10
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.45 against 1.88 in 2024; short-term debt: 31.1% and cash: 73.9% of total assets), and 48.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.2%
Return on assets
19.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 3 filingsDeviation from the deadline
2025
30 d late
2024
43 d late
2023
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€87k▲ 60.0%
2024 · €54k
2023: €23k
2024: €54k
2023 → 2025
Total assets
€170k▲ 91.7%
2024 · €89k
2023: €53k
2024: €89k
2023 → 2025
Net result
€33k▲ 4.2%
2024 · €31k
2023: €20k
2024: €31k
2023 → 2025
Working capital
€77k▲ 153%
2024 · €30k
2023: €18k
2024: €30k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€23k-€54k▲ 136%€87k▲ 60.0%
Operating result€30k-€42k▲ 40.2%€57k▲ 34.9%
Net result€20k-€31k▲ 55.9%€33k▲ 4.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€40k▲ 67.7%
Current assets
€129k▲ 101%
Equity and liabilities €170k
Equity
€87k▲ 60.0%
Provisions
€30k
Debt
€53k▲ 54.8%
The debt ratio falls from 38.7% to 31.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€65k▲
2024 · €48k
Cash flow
€41k▲
2024 · €37k
Solvency
51.2%▼
2024 · 61.3%
Current ratio
2.45▲
2024 · 1.88
Quick ratio
2.45▲
2024 · 1.88
Debt / equity
0.61▼
2024 · 0.63
ROE
37.5%▼
2024 · 57.6%
ROA
19.2%▼
2024 · 35.3%
Interest coverage
154.40▼
2024 · 497.25
Debt
€53k▲
2024 · €34k
Debt ≤ 1 year
€53k▲
2024 · €34k
Income taxes
€24k▲
2024 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€89k€170k▲
Fixed assets21/28€24k€40k▲
Tangible fixed assets22/27€24k€40k▲
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€18k€36k▲
Current assets29/58€64k€129k▲
Amounts receivable within one year40/41€17k€4k▼
Trade receivables40€17k€4k▼
Cash at bank and in hand54/58€48k€126k▲
Equity and liabilities
Total equity and liabilities10/49€89k€170k▲
Equity10/15€54k€87k▲
Contributions10/11€3k€3k=
Reserves13€50k€82k▲
Distributable reserves133€50k€82k▲
Profit (loss) carried forward14€1k€2k▲
Provisions and deferred taxes16-€30k
Provisions for liabilities and charges160/5-€30k
Other liabilities and charges164/5-€30k
Amounts payable17/49€34k€53k▲
Amounts payable within one year42/48€34k€53k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€25k€47k▲
Taxes450/3€25k€47k▲
Other amounts payable47/48€8k€3k▼
Accrued charges and deferred income492/3-€180
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€8k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€30k
Gross operating margin9900€48k€95k▲
Operating profit (loss)9901€42k€57k▲
Financial income75/76B€5k€570▼
Recurring financial income75€5k€570▼
Financial charges65/66B€96€422▲
Recurring financial charges65€96€422▲
Profit (loss) for the period before taxes9903€47k€57k▲
Income taxes67/77€15k€24k▲
Profit (loss) for the period9904€31k€33k▲
Profit (loss) for the period to be appropriated9905€31k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€34k▲
Profit (loss) brought forward from the previous period14P€56€1k▲
Transfer to equity691/2€30k€32k▲
To other reserves6921€30k€32k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2023net €33k ▲4.2%
Operating result €57k, net result €33k, both a record.
12-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 43 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Waterloo · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Ménil 441410 WaterlooGround area
113 m²
Building footprint
112 m²
Volume, LiDAR
682 m³
Parcel 25764Q0310/00_000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LYL Consulting
since 20232.348.301.803
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764Q0310/00_000 | Wallonia | 113 m² | 1 · 112 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
984500B7A11DDA5CB046
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Of 4,567 companies in sector 74999 we hold annual accounts for 1,938. 1,563 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2023
Fiscal year end31-12
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:marc.parser@gmail.com