ACTIVE

L. GAY & C°

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Financial year 2025 · Closed on 31/12/2025

Net result79 k €-9,1 %over 1 year
Gross margin145,2 k €-3,2 %over 1 year
Equity887,2 k €-4,1 %over 1 year
Workforce0,9 ETP0,0 %over 1 year

Identity

Source · BCE/KBO

L. GAY & C° is a Private limited company incorporated in 1986. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Tervuren. It employs on average 0,9 ETP workers (FTE).

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 0429.059.407
Incorporation
26/05/1986
Legal form
Private limited company
Registered office
Jezus Eiklaan 104
3080 Tervuren · FlandreSee on map
Contributed capital
18 550,00 €
Latest accounts
31/12/2025
Average workforce
0,9 ETP
Joint committees (1)
  • 307
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA

Financials

Source · NBB, 20 filings

Trend over 20 financial years

20252024202320222021
Income statement
Gross margin145,2 k €150,1 k €115,7 k €67,3 k €121,9 k €
EBITDA141 k €145,9 k €110,2 k €13,1 k €70,1 k €
Operating result109,5 k €116 k €83 k €-9,9 k €53,3 k €
Net result79 k €86,9 k €55 k €-13 k €32,3 k €
Balance sheet
Equity887,2 k €925,5 k €838,6 k €783,6 k €796,7 k €
Total assets899,3 k €965,3 k €860,7 k €809,8 k €835,5 k €
Cash507 k €378,6 k €143,4 k €569,5 k €619,3 k €
Debts12,1 k €39,8 k €22,1 k €26,2 k €38,8 k €
Other
Workforce0,9 ETP0,9 ETP0,9 ETP0,9 ETP0,9 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€
See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

4 active · 22 ended

Active mandates

IMMO GAY

Director · since 20 juin 2016 · 0441.800.356

Represented by David GAY

Active
Karine GAY

Director · since 20 juin 2016

Active
Patrick GAY

Director · since 20 juin 2016

Active
Stefan GAY

Director · since 20 juin 2016

Active

Ended mandates

IMMO GAY

Manager · since 20 juin 2016 · 0441.800.356

Represented by Patrick GAY

Ended
IMMO GAY

Director · since 20 juin 2016 · 0441.800.356

Represented by David GAY

Ended
IMMO GAY

Manager · since 20 juin 2016 · 0441.800.356

Represented by Patrick GAY

Ended
Karine GAY

Manager · since 20 juin 2016

Ended

Other companies at this address

Jezus Eiklaan 104 3080 Tervuren
CompanyCBE no.
GAY● Active
0655.731.480
IMMO GAY● Active
0441.800.356

Full financial information

Source · NBB
202520242023202220212020
Type of accountAbridged modelAbridged modelAbridged modelAbridged modelAbridged modelAbridged model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date19/06/202625/07/202528/06/202419/06/202304/07/202205/07/2021
General meeting10/06/202611/06/202512/06/202414/06/202308/06/202209/06/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 20 filings
ModelClosingGeneral meetingFiledLanguageDocument
Abridged model31/12/202510/06/202619/06/2026DutchPDF
Abridged model31/12/202411/06/202525/07/2025DutchPDF
Abridged model31/12/202312/06/202428/06/2024DutchPDF
Abridged model31/12/202214/06/202319/06/2023DutchPDF
Abridged model31/12/202108/06/202204/07/2022DutchPDF
Abridged model31/12/202009/06/202105/07/2021DutchPDF
Abridged model31/12/201910/06/202008/07/2020DutchPDF
Abridged model31/12/201812/06/201928/06/2019DutchPDF
Abridged model31/12/201713/06/201818/07/2018DutchPDF
Abridged model31/12/201614/06/201719/06/2017DutchPDF
Abridged model31/12/201511/05/201606/06/2016DutchPDF
Abridged model31/12/201413/05/201524/08/2015DutchPDF
Abridged model31/12/201314/05/201422/08/2014DutchPDF
Abridged model31/12/201208/05/201317/06/2013DutchPDF
Abridged model31/12/201109/05/201225/05/2012DutchPDF
Abridged model31/12/201011/05/201120/05/2011DutchPDF
Abridged model31/12/200912/05/201018/05/2010DutchPDF
Abridged model31/12/200813/05/200924/06/2009DutchPDF
Abridged model31/12/200714/05/200825/06/2008DutchPDF
Abridged model31/12/200609/05/200708/06/2007DutchPDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan
Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Board of directors

Source · NBB, accounts to 31/12/2025

4 active · 22 ended

Active mandates

IMMO GAY

Director · since 20 juin 2016 · 0441.800.356

Represented by David GAY

Active
Karine GAY

Director · since 20 juin 2016

Active
Patrick GAY

Director · since 20 juin 2016

Active
Stefan GAY

Director · since 20 juin 2016

Active

Ended mandates

IMMO GAY

Manager · since 20 juin 2016 · 0441.800.356

Represented by Patrick GAY

Ended
IMMO GAY

Director · since 20 juin 2016 · 0441.800.356

Represented by David GAY

Ended
IMMO GAY

Manager · since 20 juin 2016 · 0441.800.356

Represented by Patrick GAY

Ended
Karine GAY

Manager · since 20 juin 2016

Ended

Ownership and network

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Try for 7 days

Belgian Official Gazette publications

Source · Belgian Official Gazette
  • Mandates31/01/2024
    ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, …) - WIJZIGING RECHTSVORM
    PDF
  • Mandates10/07/2019
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Mandates04/08/2016
    DOEL - ONTSLAGEN - BENOEMINGEN - ALGEMENE VERGADERING - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, …) - WIJZIGING RECHTSVORM
    PDF
  • Restructuring11/05/2016
    RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Restructuring06/01/2016
    RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Mandates12/01/2011
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Mandates01/09/2010
    ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, …)
    PDF
  • Mandates08/07/2009
    ONTSLAGEN - BENOEMINGEN
    PDF

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

Timeline

  1. 2025
    Annual accounts 202579 k €↓
  2. 2024
    Annual accounts 202486,9 k €↑
  3. 2023
    Annual accounts 202355 k €↑
  4. 2022
    Annual accounts 2022-13 k €↓
  5. 2021
    Annual accounts 202132,3 k €↑
  6. 2020
    Annual accounts 202019,7 k €↑
  7. 2019
    Annual accounts 20194,8 k €↓
  8. 2018
    Annual accounts 20184,9 k €↑
  9. 2017
    Annual accounts 20173,8 k €↑
  10. 2016
    Annual accounts 2016313,9 €↓
  11. 2015
    Annual accounts 201530,7 k €↓
  12. 2014
    Annual accounts 201447,4 k €↓
  13. 2013
    Annual accounts 201366,1 k €↓
  14. 2012
    Annual accounts 201277,1 k €↑
  15. 2011
    Annual accounts 201163,3 k €↓
  16. 2010
    Annual accounts 2010126,3 k €↓
  17. 2009
    Annual accounts 2009137 k €↑
  18. 2008
    Annual accounts 200892,6 k €↑
  19. 2007
    Annual accounts 200771,6 k €↑
  20. 2006
    Annual accounts 200665,1 k €
  21. 26/05/1986
    IncorporationPrivate limited company