Financials
Financial year 2025
L. GAY & C° from Tervuren, company number BE0429059407, closed financial year 2025 with a result of € 78,975 after tax. For that financial year L. GAY & C° recorded a gross margin of € 145,247 and equity of € 887,233. Compared with financial year 2024, the result moved from € 86,915 to € 78,975. The company is profitable. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 19, 2026.
€ 887,233
▼ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 78,975
▼ 9% vs 2024
Profit after tax over the fiscal year.
€ 507,003
▲ 34% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 117,247 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
0.9
Average over the fiscal year, from the social balance sheet.
€ 4,068
▼ 2% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 42,373
▼ 40% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 3,203
▼ 68% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 8,859
▼ 70% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 67,259 | € 115,677 | € 150,057 | € 145,247 | ▼ 3% |
| Profit after taxes | € -13,038 | € 54,962 | € 86,915 | € 78,975 | ▼ 9% |
| Equity | € 783,628 | € 838,590 | € 925,505 | € 887,233 | ▼ 4% |
| Total debts | € 26,164 | € 22,100 | € 39,845 | € 12,062 | ▼ 70% |
| Cash | € 569,469 | € 143,420 | € 378,556 | € 507,003 | ▲ 34% |
| Retained profit | € 765,078 | € 820,040 | € 906,955 | € 868,683 | ▼ 4% |
| Dividend | € 0 | € 0 | € 0 | € 117,247 | |
| Balance sheet total | € 809,792 | € 860,690 | € 965,350 | € 899,294 | ▼ 7% |
| Employees (FTE) | 0.9 | 0.9 | 0.9 | 0.9 |
Key figures of L. GAY & C°, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to L. GAY & C°?
What happened at L. GAY & C° in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 78,975 (▼ 9% vs 2024). Source: NBB ↗
- Karine GAY became a director. NBB
- Patrick GAY became a director. NBB
- IMMO GAY BV became a director. NBB
- Stefan GAY became a director. NBB
- New establishment in Tervuren. KBO
- Start of the company according to the CBE. KBO
In short
From € 13,038 loss in 2022 to € 78,975 profit in 2025.
Paid € 117,262 in corporate taxes since 2022.
Best year ever: 2024, with € 86,915 profit.
Paid out € 117,247 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind L. GAY & C° are Karine GAY, Patrick GAY, IMMO GAY BV and Stefan GAY. Karine GAY is also behind IMMO GAY. Patrick GAY is also behind IMMO GAY. Stefan GAY is also behind IMMO GAY.
Directors
According to the 2025 annual accounts
since 2016
since 2016
Director · represented by David GAY
since 2016
since 2016
Establishments
Establishment units
Physical locations of this company
Jezus Eiklaan 104
3080 Tervuren
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0429.059.407
- VAT number
- BE 0429.059.407
- Registered office
- Jezus Eiklaan 104, 3080 Tervuren
- Names & denominations
- L. GAY & C°
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 May 1986
- Peppol
- Active · Active since 2 Sept 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten