Summary
VAN LUYTEN 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 €1.3m and a net result of €234,767. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 1426 sector peers (fiscal year 2024). The company has been active since 1987 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
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○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 30-09-2025, 61 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 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
61 d late
2022
153 d late
2021
61 d late
2020
61 d late
2019
91 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 81 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€1.3m▲ 11.3%
2023 · €1.2m
Net result
€234,767▼ 43.9%
2023 · €418,652
Total assets
€2.9m▲ 5.0%
2023 · €2.7m
Solvency
46.5%▲ 2.6pp
2023 · 43.9%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€306,626▲ 144%€247,042▼ 19.4%€393,086▲ 59.1%€571,591▲ 45.4%€329,879▼ 42.3%
Net result€192,658above the sector's middle half▲ 142%€176,489within the sector's middle half▼ 8.4%€260,959above the sector's middle half▲ 47.9%€418,652above the sector's middle half▲ 60.4%€234,767within the sector's middle half▼ 43.9%
Equity€636,672within the sector's middle half▲ 30.6%€813,161above the sector's middle half▲ 27.7%€931,806above the sector's middle half▲ 14.6%€1.2mabove the sector's middle half▲ 29.4%€1.3mabove the sector's middle half▲ 11.3%
Total assets€1.5mwithin the sector's middle half▼ 13.8%€2.0mabove the sector's middle half▲ 32.5%€2.3mabove the sector's middle half▲ 15.9%€2.7mabove the sector's middle half▲ 19.6%€2.9mabove the sector's middle half▲ 5.0%
Debt€858,060▼ 31.2%€1.2m▲ 36.1%€1.4m▲ 16.8%€1.5m▲ 13.0%€1.5m▲ 0.2%
Working capital€500,289above the sector's middle half▲ 63.6%€669,606above the sector's middle half▲ 33.8%€790,702above the sector's middle half▲ 18.1%€965,333above the sector's middle half▲ 22.1%€1.1mabove the sector's middle half▲ 16.2%
Solvency42.6%within the sector's middle half▲ 14.5pp41.1%within the sector's middle half▼ 1.5pp40.6%within the sector's middle half▼ 0.5pp43.9%within the sector's middle half▲ 3.3pp46.5%within the sector's middle half▲ 2.6pp
Current ratio1.60within the sector's middle half▲ 0.351.58within the sector's middle half▼ 0.021.58within the sector's middle half=1.68within the sector's middle half▲ 0.091.77within the sector's middle half▲ 0.10
Return on assets (ROA)12.9%within the sector's middle half▲ 8.3pp8.9%within the sector's middle half▼ 4.0pp11.4%within the sector's middle half▲ 2.5pp15.2%within the sector's middle half▲ 3.9pp8.1%within the sector's middle half▼ 7.1pp
Staff (FTE)7.3above the sector's middle half▲ 1.4%6.1within the sector's middle half▼ 16.4%6.1within the sector's middle half=8.6above the sector's middle half▲ 41.0%8.4above the sector's middle half▼ 2.3%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 42% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.9m
Fixed assets
€313,692 ▼ 11.5%
Current assets
€2.6m ▲ 7.5%
Equity and liabilities €2.9m
Equity
€1.3m ▲ 11.3%
Debt
€1.5m ▲ 0.2%
Debt's share of the balance-sheet total falls from 56.1% to 53.5%. Equity and debt are higher.
Key figures and ratios
ROE
17.5%▼
2023 · 34.7%
Debt ≤ 1 year
€1.4m▲
2023 · €1.4m
Debt > 1 year
€52,508▼
2023 · €99,200
Income taxes
€145,761▼
2023 · €174,672
Staff costs
€541,964▲
2023 · €470,184
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €36,000 | €0 | €110,003 | €1,625 | ▼ 98.5% |
| Remuneration, social security and pensions62 | - | €292,819 | €367,414 | €470,184 | €541,964 | ▲ 15.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €63,113 | €36,990 | €22,430 | €44,366 | €69,675 | ▲ 57.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €30 | €0 | - | €55,341 | - |
| Other operating charges640/8 | - | €17,192 | €10,259 | €4,363 | €22,476 | ▲ 415% |
| Non-recurring operating charges66A | - | €6,470 | €6,630 | €6,210 | €543 | ▼ 91.3% |
| Gross operating margin9900 | €725,978 | €600,542 | €799,819 | €1.1m | €1.0m | ▼ 7.0% |
| Operating profit (loss)9901 | €306,626 | €247,042 | €393,086 | €571,591 | €329,879 | ▼ 42.3% |
| Financial income75/76B | - | €6,984 | €5,746 | €32,543 | €53,718 | ▲ 65.1% |
| Recurring financial income75 | €7,732 | €6,984 | €5,746 | €32,543 | €53,718 | ▲ 65.1% |
| Non-recurring financial income76B | - | €0 | - | - | - | - |
| Financial charges65/66B | - | €4,028 | €3,291 | €10,810 | €3,070 | ▼ 71.6% |
| Recurring financial charges65 | €14,059 | €4,028 | €3,291 | €10,810 | €3,070 | ▼ 71.6% |
| Profit (loss) for the period before taxes9903 | €300,318 | €249,998 | €395,541 | €593,324 | €380,528 | ▼ 35.9% |
| Income taxes67/77 | €107,661 | €73,510 | €134,582 | €174,672 | €145,761 | ▼ 16.6% |
| Profit (loss) for the period9904 | €192,658 | €176,489 | €260,959 | €418,652 | €234,767 | ▼ 43.9% |
| Profit (loss) for the period to be appropriated9905 | €192,658 | €176,489 | €260,959 | €418,652 | €234,767 | ▼ 43.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €2.0m | €2.3m | €2.7m | €2.9m | ▲ 5.0% |
| Fixed assets21/28 | €163,756 | €164,425 | €151,718 | €354,503 | €313,692 | ▼ 11.5% |
| Intangible fixed assets21 | - | - | - | €15,240 | €9,907 | ▼ 35.0% |
| Tangible fixed assets22/27 | €113,756 | €114,425 | €101,718 | €289,263 | €253,785 | ▼ 12.3% |
| Plant, machinery and equipment23 | - | €7,263 | €6,701 | €12,352 | €20,303 | ▲ 64.4% |
| Furniture and vehicles24 | - | €86,165 | €80,349 | €267,876 | €225,477 | ▼ 15.8% |
| Other tangible fixed assets26 | - | €20,997 | €14,668 | €9,034 | €8,006 | ▼ 11.4% |
| Financial fixed assets28 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Current assets29/58 | €1.3m | €1.8m | €2.1m | €2.4m | €2.6m | ▲ 7.5% |
| Amounts receivable after more than one year29 | - | €216,128 | €166,128 | €166,128 | €46,128 | ▼ 72.2% |
| Other amounts receivable291 | - | €216,128 | €166,128 | €166,128 | €46,128 | ▼ 72.2% |
| Amounts receivable within one year40/41 | €347,683 | €398,894 | €411,246 | €284,453 | €255,326 | ▼ 10.2% |
| Trade receivables40 | - | €395,874 | €408,226 | €279,454 | €229,853 | ▼ 17.7% |
| Other amounts receivable41 | - | €3,020 | €3,020 | €5,000 | €25,473 | ▲ 410% |
| Current investments50/53 | - | - | - | €1.6m | €2.1m | ▲ 33.1% |
| Cash at bank and in hand54/58 | €740,145 | €1.2m | €1.6m | €323,693 | €120,369 | ▼ 62.8% |
| Deferred charges and accrued income490/1 | - | €11,390 | €6,185 | €17,246 | €18,305 | ▲ 6.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €2.0m | €2.3m | €2.7m | €2.9m | ▲ 5.0% |
| Equity10/15 | €636,672 | €813,161 | €931,806 | €1.2m | €1.3m | ▲ 11.3% |
| Contributions10/11 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Capital10 | - | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Issued capital100 | - | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Reserves13 | €575,172 | €751,661 | €870,306 | €1.1m | €1.3m | ▲ 11.9% |
| Non-distributable reserves130/1 | - | €20,972 | €20,972 | €20,972 | €20,972 | = |
| Legal reserve130 | - | €20,972 | €20,972 | €20,972 | €20,972 | = |
| Tax-exempt reserves132 | - | €21,312 | €21,312 | €21,312 | €21,312 | = |
| Distributable reserves133 | - | €709,377 | €828,022 | €1.1m | €1.2m | ▲ 12.3% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €858,060 | €1.2m | €1.4m | €1.5m | €1.5m | ▲ 0.2% |
| Amounts payable after more than one year17 | €1,520 | €0 | - | €99,200 | €52,508 | ▼ 47.1% |
| Financial debts170/4 | - | €0 | - | €99,200 | €52,508 | ▼ 47.1% |
| Amounts payable within one year42/48 | €830,688 | €1.1m | €1.4m | €1.4m | €1.4m | ▲ 1.6% |
| Current portion of amounts payable after more than one year42 | - | €1,520 | €0 | - | €22,406 | - |
| Trade debts44 | €692,304 | €1.0m | €1.2m | €1.1m | €1.3m | ▲ 17.2% |
| Suppliers440/4 | - | €913,753 | €830,359 | €748,436 | €751,931 | ▲ 0.5% |
| Bills of exchange payable441 | - | €122,925 | €364,935 | €386,556 | €578,424 | ▲ 49.6% |
| Taxes, remuneration and social security45 | - | €50,052 | €99,532 | €138,829 | €79,376 | ▼ 42.8% |
| Taxes450/3 | - | €27,203 | €69,223 | €88,176 | €30,686 | ▼ 65.2% |
| Remuneration and social security454/9 | - | €22,848 | €30,308 | €50,653 | €48,690 | ▼ 3.9% |
| Other amounts payable47/48 | - | €58,428 | €58,189 | €152,366 | €16,654 | ▼ 89.1% |
| Accrued charges and deferred income492/3 | - | €20,870 | €10,614 | €15,042 | €41,661 | ▲ 177% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €192,658 | €176,489 | €260,959 | €418,652 | €234,767 | ▼ 43.9% |
| + Depreciation and write-downs630 | €63,113 | €36,990 | €22,430 | €44,366 | €69,675 | ▲ 57.0% |
| Operating cash flow (approximation) | €255,770 | €213,479 | €283,389 | €463,018 | €304,442 | ▼ 34.2% |
| Investment in fixed assets (approximation) | - | -€37,659 | -€9,723 | -€247,151 | -€28,864 | ▲ 88.3% |
| Change in cash | - | €449,727 | €370,286 | -€1.2m | -€203,324 | ▲ 83.6% |
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €418,652 ▲60.4%
Operating result €571,591, net result €418,652, both a record.
31-12
Financial
Equity above €1mEq €1.2m ▲29.4%
6 profitable years in a row build equity to €1.2m.
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 153 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
31-12
Financial
Equity above €500,000Eq €636,672 ▲30.6%
3 profitable years in a row build equity to €636,672.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €79,454 ▼19.8%
Net result drops to €79,454, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 58 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 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 9 acts read
About the unread acts
We know of 9 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
No directors read yet: 0 of 9 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 1987
Ground area
784 m²
Building footprint
345 m²
Volume, LiDAR
6,865 m³
Parcel 11342A0210/00N000, Flanders · tallest building 22.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Van Luyten
since 19872.029.912.961
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11342A0210/00N000 | Flanders | 784 m² | 1 · 345 m² | 22.5 m · 6 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.
Subsidies and aid
Flemish government
2022 · 1 entry · 30 EUR awarded · 30 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 30 EUR | 30 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
894500J6EQNALMJKWB14
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Of 4,671 companies in this sector we hold annual accounts for 3,221. 1,960 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPublic limited company
Founded31-03-1987
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0431092645
Registered
01-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.