Age2 yrs
Real estate1 parcel · 1,616 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of LAAY is 0.5% (very low). The 2024 annual accounts show equity of €20k and a net result of €16k. Its solvency ranks better than 44% of 12464 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 27-06-2025 | 34 d early | 2025-00200020 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.5%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€16k
Working capital€16k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 27-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 54.7% | 60.6% | |
| Net result | €16k | €31k | |
| Equity | €20k | €63k | |
| Gross operating margin | €21k | €52k | |
| Total assets | €37k | €124k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €21k |
| Net profit | €16k |
| Cash flow | €17k |
| Staff costs | - |
| Income taxes | €4k |
| Dividends | €1k |
| Total assets | €37k |
| Equity | €20k |
| Debt | €17k |
| of which ≤ 1y | €17k |
| of which > 1y | - |
| Working capital | €16k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.99 |
| Quick ratio | 1.99 |
| Working capital ratio | 44.8% |
| Solvency | 54.7% |
| Debt / equity | 0.83 |
| Long-term debt ratio | - |
| Interest coverage | 85.27 |
| Gross margin | - |
| Net margin | - |
| ROA | 44.7% |
| ROE | 81.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €37k |
| Fixed assets | 21/28 | €1k |
| Formation expenses | 20 | €3k |
| Tangible fixed assets | 22/27 | €1k |
| Current assets | 29/58 | €33k |
| Investments | 50/53 | €10k |
| Cash & bank | 54/58 | €22k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €37k |
| Equity | 10/15 | €20k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €15k |
| Amounts payable | 17/49 | €17k |
| Amounts payable within one year | 42/48 | €17k |
| Trade debts payable within one year | 44 | €154 |
| Income statement | ||
| Gross operating margin | 9900 | €21k |
| Operating result | 9901 | €21k |
| Financial income | 75 | €18 |
| Financial charges | 65 | €245 |
| Result before taxes | 9903 | €20k |
| Income taxes | 67/77 | €4k |
| Net result for the period | 9904 | €16k |
| Result to be appropriated | 9905 | €16k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed93
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Gistelsteenweg 1588490 JabbekeEstablishment units
1 locationLAAY
since 20242.359.471.946
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,616 m²
Buildings1
Building footprint285 m²
Volume (LiDAR)1,758 m³
Tallest building21.4 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31035C0456/00S002 | Flanders | 1,616 m² | 1 · 285 m² | 21.4 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Address history · 1
04-09-2025
Registered-office move
All acts · 1
updated 11 months ago
2025
04-09-2025 Registered office moved within Jabbeke
- CATHILLEWEG 132, 8490 JABBEKE → Gistelsteenweg 158, 8490 Jabbeke
Analysis
Snowflake analysis
financial profile on 5 axes89
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
93
Profitability
100
Solvency
97
Growth
-
Stability
67
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soonAI due-diligence brief
Checked AIGenerate 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
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorBE 1001.101.762 · Tielt-Winge
BE 1028.271.561 · Huldenberg
BE 0777.879.721 · Welkenraedt
BE 0803.677.860 · Machelen (Brab.)
BE 0801.600.773 · Chaudfontaine
We hold annual accounts for 15,318 of the 81,985 companies in this sector. 11,532 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Vervaardiging van overige geconfectioneerde artikelen van textiel, muv kleding13929Overige dienstverlenende activiteiten op het gebied van informatie63920Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.63990Overige financiële dienstverlening64999Overige financiële dienstverlening, neg64999Adviesbureaus op het gebied van public relations en communicatie70210Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Grafisch ontwerp en visuele communicatie74120Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | LAAY |
Registered office
Gistelsteenweg 158
8490 Jabbeke, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.