Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 60 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
LAVAL from Tongeren-Borgloon, company number BE0465495674, closed financial year 2025 with a result of € 12,356 after tax. For that financial year LAVAL recorded a gross margin of € 279,766 and equity of € 190,003. Compared with financial year 2024, the result moved from € 96,599 to € 12,356. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 2, 2026.
€ 190,003
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 12,356
▼ 87% vs 2024
Profit after tax over the fiscal year.
€ 43,425
▲ 228% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 10,000 paid out
81 % of the profit went to the shareholders, mostly to M.K. Consult (100 % of the shares). That is where the money ends up.
People and assets in 2025
€ 78,070
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 2,194
▼ 41% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.2 million
▲ 9% vs 2024
€ 166,984 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 7,670
▲ 17% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 43,417
▲ € 39,517 vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 82,538 | € 80,612 | € 63,053 | € 279,766 | ▲ € 216,713 |
| Profit after taxes | € 25,479 | € 26,285 | € 96,599 | € 12,356 | ▼ 87% |
| Equity | € 134,319 | € 160,605 | € 187,647 | € 190,003 | ▲ 1% |
| Total debts | € 488,777 | € 477,034 | € 1,129,076 | € 1,213,637 | ▲ 7% |
| Cash | € 25,380 | € 15,237 | € 13,222 | € 43,425 | ▲ 228% |
| Land & buildings | € 553,545 | € 538,169 | € 549,362 | € 727,068 | ▲ 32% |
| Retained profit | € 115,727 | € 142,013 | € 169,055 | € 171,411 | ▲ 1% |
| Dividend | € 0 | € 0 | € 69,556 | € 10,000 | ▼ 86% |
| Bank debt | € 471,480 | € 449,237 | € 1,065,542 | € 1,157,467 | ▲ 9% |
| Balance sheet total | € 623,096 | € 637,639 | € 1,316,724 | € 1,403,640 | ▲ 7% |
Key figures of LAVAL, 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 LAVAL?
What happened at LAVAL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 12,356 (▼ 87% vs 2024). Source: NBB ↗
- Veronique Kmetyko became a director. NBB
- Wim Meers became a director. NBB
- New establishment in Riemst. KBO
- Start of the company according to the CBE. KBO
- WILLY MEERS became a director. NBB
- IRENE LATHOUWERS became a director. NBB
In short
From € 25,479 profit in 2022 to € 12,356 profit in 2025.
Paid € 55,811 in corporate taxes since 2022.
Best year ever: 2024, with € 96,599 profit.
Paid out € 79,556 in dividends to the owners in total.
A new publication or filing at LAVAL? We notify you, reason included.
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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
The stake of M.K. Consult comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
LAVALBehind LAVAL are Wim Meers, Veronique Kmetyko, WILLY MEERS and IRENE LATHOUWERS. The shares are held by M.K. Consult (100%).
Directors
According to the 2025 annual accounts
since 2007
Veronique Kmetyko
Director
Also active at: IMMO VAN HAVERMAET, VAN HAVERMAET, VAN HAVERMAET INTERNATIONAL, Van Havermaet bedHRijvig, PIETELBEEK, TER POORTEN II, M.K. Consult, IMMO WESTEL +1 more
since 2021
WILLY MEERS
Manager
since 1999
IRENE LATHOUWERS
Manager
since 1999
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Elisabethwal 27 box 2
3700 Tongeren-Borgloon
Visésteenweg 145
3770 Riemst
Active since 15 November 1999
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0465.495.674
- VAT number
- BE 0465.495.674
- Registered office
- Elisabethwal 27 bus 2, 3700 Tongeren-Borgloon
- Names & denominations
- LAVAL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 March 1999
- Peppol
- Active · Active since 2 Apr 2026
- Contact
- [email protected]
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars