Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 41 % of short-term debt in 2025; threshold 65 %.
-
Shrinking team NBB
FTE fell two years in a row, from 7.3 to 3.8.
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Figures corrected NBB
Corrected annual account filed for 2022.
Financials
Financial year 2025
LOYALPAY from Brussel, company number BE0765844395, closed financial year 2025 with a result of € 80 after tax. For that financial year LOYALPAY recorded a gross margin of € 927,270 and equity of € 76,412. Compared with financial year 2024, the result moved from € 5,401 to € 80. 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 September 18, 2026.
€ 76,412
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 80
▼ 99% vs 2024
Profit after tax over the fiscal year.
€ 310,097
▲ 104% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 14,912.
People and assets in 2025
3.8
▼ 2.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 304,772
▼ 43% vs 2024
€ 80,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 8,698
▼ 44% 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.
€ 2 million
▲ 35% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 48,342
▼ 59% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 3,786,370 | € 3,529,470 | € 2,650,255 | - | |
| Gross margin | € 605,974 | € 931,564 | - | € 927,270 | |
| Profit after taxes | € 9,269 | € 75 | € 5,401 | € 80 | ▼ 99% |
| Equity | € 70,857 | € 70,932 | € 76,332 | € 76,412 | |
| Total debts | € 4,103,640 | € 5,914,415 | € 6,874,694 | € 7,489,870 | ▲ 9% |
| Cash | € 85,046 | € 190,380 | € 151,684 | € 310,097 | ▲ 104% |
| Land & buildings | € 3,174 | € 2,505 | € 1,835 | € 1,165 | ▼ 36% |
| Retained profit | € 9,357 | € 9,432 | € 14,832 | € 14,912 | ▲ 1% |
| Bank debt | € 125,403 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 4,174,496 | € 5,985,347 | € 6,951,027 | € 7,566,282 | ▲ 9% |
| Employees (FTE) | - | 7.3 | 5.9 | 3.8 | ▼ 2.1 |
Key figures of LOYALPAY, 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 LOYALPAY?
What happened at LOYALPAY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Robert Masse stepped down as director. NBB
- Sandra Vanvooren stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 80 (▼ 99% vs 2024). filed late Source: NBB ↗
- New establishment in Brussel. KBO
- Robert Masse became a director. NBB
- Sandra Vanvooren became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 9,269 profit in 2022 to € 80 profit in 2025.
Paid € 7,533 in corporate taxes since 2022.
Best year ever: 2022, with € 9,269 profit.
On average € 244,000 of value added per employee in 2025.
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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
Establishments
Establishment units
Physical locations of this company
Kantersteen 47
1000 Brussel
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Google Workspace
Hosting
CLOUDFLARESPECTRUM Cloudflare, Inc., US
DNS
Cloudflare DNS
Domain
Domain
loyalpay.com
Registered
2018-04-01
Registrar
EuroDNS S.A.
Expires
2026-04-01
Website info
Features
Security
Network
Details
- Company number
- 0765.844.395
- VAT number
- BE 0765.844.395
- Registered office
- Kantersteen 47, 1000 Brussel
- Names & denominations
- LOYALPAY
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 30 March 2021
- Peppol
- Active · Active since 18 Sept 2025
- Contact
- loyalpay.com [email protected]
- Activities · NACE
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