1LIFE
ActiveSummary
1LIFE has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €19,973 and a net result of €14,265. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 9525 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+79
Solvency60▲+25
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 1.97 against 1.93 in 2023; short-term debt: 49% and cash: 0% of total assets), but 65.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
34.5%
Return on assets
24.7%
Age of the figures
21 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year €19,973
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
68 d late
2023
58 d late
2022
47 d late
2021
78 d late
2020
26 d late
2019
78 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 59 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€19,973▲ 250%
2023 · €5,708
Total assets
€57,840▲ 2.5%
2023 · €56,411
Net result
€14,265
2023 · -€938
Working capital
€27,382▲ 6.9%
2023 · €25,620
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€5,591-€21,752▼ 289%€18,007-€150€18,718
Net result-€6,782below the sector's middle half-€23,608below the sector's middle half▼ 248%€18,453within the sector's middle half-€938below the sector's middle half€14,265within the sector's middle half
Equity€11,802within the sector's middle half▲ 89.3%-€11,806below the sector's middle half€6,647below the sector's middle half€5,708below the sector's middle half▼ 14.1%€19,973within the sector's middle half▲ 250%
Total assets€30,485below the sector's middle half▼ 30.5%€27,529below the sector's middle half▼ 9.7%€49,977below the sector's middle half▲ 81.5%€56,411within the sector's middle half▲ 12.9%€57,840within the sector's middle half▲ 2.5%
Debt€18,683▼ 50.3%€39,335▲ 111%€43,331▲ 10.2%€50,703▲ 17.0%€37,867▼ 25.3%
Working capital€2,772within the sector's middle half€7,696within the sector's middle half▲ 178%€23,435within the sector's middle half▲ 205%€25,620within the sector's middle half▲ 9.3%€27,382within the sector's middle half▲ 6.9%
Solvency38.7%within the sector's middle half▲ 24.5pp-42.9%below the sector's middle half▼ 81.6pp13.3%below the sector's middle half▲ 56.2pp10.1%below the sector's middle half▼ 3.2pp34.5%within the sector's middle half▲ 24.4pp
Current ratio1.15within the sector's middle half▲ 0.601.55within the sector's middle half▲ 0.402.06within the sector's middle half▲ 0.511.93within the sector's middle half▼ 0.121.97within the sector's middle half▲ 0.03
Return on assets (ROA)-22.2%below the sector's middle half▼ 22.3pp-85.8%below the sector's middle half▼ 63.5pp36.9%above the sector's middle half▲ 122.7pp-1.7%below the sector's middle half▼ 38.6pp24.7%within the sector's middle half▲ 26.3pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €18,718 after a loss of €150 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €57,840
Fixed assets
€2,093 ▼ 37.8%
Current assets
€55,747 ▲ 5.1%
Equity and liabilities €57,840
Equity
€19,973 ▲ 250%
Debt
€37,867 ▼ 25.3%
Debt's share of the balance-sheet total falls from 89.9% to 65.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19,989▲
2023 · €1,273
Cash flow
€15,536▲
2023 · €485
Debt to equity
1.90▼
2023 · 8.88
ROE
71.4%▲
2023 · -16.4%
Interest coverage
8.93▲
2023 · 0.51
Debt ≤ 1 year
€28,365▲
2023 · €27,427
Debt > 1 year
€9,502▼
2023 · €23,276
Income taxes
€4,838▲
2023 · €217
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,355 | €9,083 | €1,514 | €1,424 | €1,271 | ▼ 10.7% |
| Other operating charges640/8 | - | €818 | €1,668 | €1,053 | €1,970 | ▲ 87.1% |
| Gross operating margin9900 | €9,609 | -€11,851 | €21,189 | €2,326 | €21,959 | ▲ 844% |
| Operating profit (loss)9901 | -€5,591 | -€21,752 | €18,007 | -€150 | €18,718 | ▲ 12,552% |
| Financial income75/76B | - | €189 | €2,721 | €1,923 | €2,622 | ▲ 36.4% |
| Recurring financial income75 | €64 | €189 | €2,721 | €1,923 | €2,622 | ▲ 36.4% |
| Financial charges65/66B | - | €1,856 | €2,061 | €2,494 | €2,237 | ▼ 10.3% |
| Recurring financial charges65 | €1,076 | €1,856 | €2,061 | €2,494 | €2,237 | ▼ 10.3% |
| Profit (loss) for the period before taxes9903 | -€6,602 | -€23,419 | €18,666 | -€722 | €19,103 | ▲ 2,748% |
| Income taxes67/77 | €180 | €189 | €213 | €217 | €4,838 | ▲ 2,132% |
| Profit (loss) for the period9904 | -€6,782 | -€23,608 | €18,453 | -€938 | €14,265 | ▲ 1,620% |
| Profit (loss) for the period to be appropriated9905 | -€6,782 | -€23,608 | €18,453 | -€938 | €14,265 | ▲ 1,620% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €30,485 | €27,529 | €49,977 | €56,411 | €57,840 | ▲ 2.5% |
| Fixed assets21/28 | €9,031 | €5,877 | €4,363 | €3,364 | €2,093 | ▼ 37.8% |
| Intangible fixed assets21 | €7,894 | - | - | - | - | - |
| Tangible fixed assets22/27 | €1,136 | €5,877 | €4,363 | €3,364 | €2,093 | ▼ 37.8% |
| Furniture and vehicles24 | - | €5,877 | €4,363 | €3,364 | €2,093 | ▼ 37.8% |
| Current assets29/58 | €21,454 | €21,652 | €45,615 | €53,047 | €55,747 | ▲ 5.1% |
| Amounts receivable within one year40/41 | €5,848 | €15,095 | €42,369 | €50,470 | €52,023 | ▲ 3.1% |
| Trade receivables40 | - | €1,519 | €8,247 | €16,606 | €5,515 | ▼ 66.8% |
| Other amounts receivable41 | - | €13,576 | €34,122 | €33,864 | €46,508 | ▲ 37.3% |
| Cash at bank and in hand54/58 | - | €5,024 | - | €75 | €17 | ▼ 76.7% |
| Deferred charges and accrued income490/1 | - | €1,533 | €3,245 | €2,502 | €3,706 | ▲ 48.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €30,485 | €27,529 | €49,977 | €56,411 | €57,840 | ▲ 2.5% |
| Equity10/15 | €11,802 | -€11,806 | €6,647 | €5,708 | €19,973 | ▲ 250% |
| Contributions10/11 | - | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €34 | €34 | €34 | €34 | €34 | = |
| Non-distributable reserves130/1 | - | €34 | €34 | €34 | €34 | = |
| Reserves not available under the articles1311 | - | €34 | €34 | €34 | €34 | = |
| Profit (loss) carried forward14 | -€6,782 | -€30,390 | -€11,937 | -€12,876 | €1,389 | ▲ 111% |
| Amounts payable17/49 | €18,683 | €39,335 | €43,331 | €50,703 | €37,867 | ▼ 25.3% |
| Amounts payable after more than one year17 | - | €25,378 | €21,151 | €23,276 | €9,502 | ▼ 59.2% |
| Financial debts170/4 | - | €25,378 | €21,151 | €23,276 | €9,502 | ▼ 59.2% |
| Amounts payable within one year42/48 | €18,683 | €13,956 | €22,180 | €27,427 | €28,365 | ▲ 3.4% |
| Current portion of amounts payable after more than one year42 | - | - | €4,861 | €13,973 | €14,163 | ▲ 1.4% |
| Financial debts43 | - | €7,262 | €6,590 | - | - | - |
| Credit institutions430/8 | - | €7,262 | €6,590 | - | - | - |
| Trade debts44 | €4,389 | €2,170 | €3,224 | €7,573 | €3,542 | ▼ 53.2% |
| Suppliers440/4 | - | €2,170 | €3,224 | €7,573 | €3,542 | ▼ 53.2% |
| Taxes, remuneration and social security45 | - | €4,524 | €7,504 | €4,581 | €10,660 | ▲ 133% |
| Taxes450/3 | - | €4,524 | €7,504 | €4,581 | €10,660 | ▲ 133% |
| Other amounts payable47/48 | - | - | - | €1,300 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,782 | -€23,608 | €18,453 | -€938 | €14,265 | ▲ 1,620% |
| + Depreciation and write-downs630 | €14,355 | €9,083 | €1,514 | €1,424 | €1,271 | ▼ 10.7% |
| Operating cash flow (approximation) | €7,573 | -€14,525 | €19,967 | €485 | €15,536 | ▲ 3,101% |
| Investment in fixed assets (approximation) | - | -€5,929 | €0 | -€425 | €0 | ▲ 100% |
| Change in cash | - | - | - | - | -€57 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
31-12
Financial
Back to profitnet €14,265
Net result €14,265 after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
16-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 47 days late
2022
31-12
Financial
Back to profitnet €18,453
Net result €18,453 after 2 loss-making years.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Weakest financial yearnet -€23,608
Net result drops to -€23,608, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 1.15
Current ratio from 0.54 to 1.15; short-term debt falls from €37,615 to €18,683.
17-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 78 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2018
Ground area
1,923 m²
Building footprint
1,006 m²
Volume, LiDAR
18,188 m³
Parcel 11002A0818/00M000, Flanders · tallest building 21.5 m, ±6 floors. Linked by address, not a title deed.
14
companies at this address
See who is registered here
1 establishment unit
CORPORATE GAME CHANGERS
since 20182.278.364.506
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11002A0818/00M000 | Flanders | 1,923 m² | 1 · 1,006 m² | 21.5 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 3,729 EUR awarded · 3,729 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 426 EUR | 426 EUR |
| 2023 | 1 | 175 EUR | 175 EUR |
| 2022 | 1 | 3,128 EUR | 3,128 EUR |
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Of 24,516 companies in sector 82990 we hold annual accounts for 9,420. 5,823 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded19-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
70200Business and other management consultancy
85599Other education
86995Nutrition and dietetics services
Contact
E-mail
connect@1life.beAntwerpen
E-invoicing
Reachable via Peppol
Peppol ID
0208:0700254183
Also
9925:BE0700254183
Registered
06-02-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.