ANNE-LIVINE
ActiveSummary
ANNE-LIVINE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €-6k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 17% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-8
Solvency38▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 16.51 against 21.32 in 2024; short-term debt: 5.9% and cash: 0% of total assets), but 86.6% of the assets are financed with debt.
Credit advice for your own amount and term
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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
13.4%
Return on assets
-1.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 9460 sector peers (2025).
NBB · sector comparisonPosition among 9460 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
23 d early
2023
68 d late
2022
3 d early
2021
324 d late
2020
68 d late
2019
111 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▼ 10.2%
2024 · €56k
2018: €-74k
2019: €53k
2020: €39k
2021: €33k
2022: €60k
2023: €56k
2024: €56k
2018 → 2025
Total assets
€378k▼ 5.8%
2024 · €401k
2018: €443k
2019: €479k
2020: €527k
2021: €548k
2022: €537k
2023: €592k
2024: €401k
2018 → 2025
Net result
€-6k
2024 · €119
2018: €9k
2019: €27k
2020: €-14k
2021: €-7k
2022: €28k
2023: €-4k
2024: €119
2018 → 2025
Working capital
€345k▼ 6.0%
2024 · €367k
2018: €-9k
2019: €167k
2020: €415k
2021: €409k
2022: €401k
2023: €378k
2024: €367k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€60k▲ 85.4%€56k▼ 7.3%€56k▲ 0.2%€50k▼ 10.2%
Operating result€30k-€51k▲ 71.6%€12k▼ 77.1%€11k▼ 1.7%€-4k
Net result€-7k-€28k€-4k€119€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €11k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €378k
Fixed assets
€10k ▼ 34.6%
Current assets
€367k ▼ 4.7%
Equity and liabilities €378k
Equity
€50k ▼ 10.2%
Debt
€327k ▼ 5.1%
Debt's share of the balance-sheet total rises from 86.0% to 86.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2k▼
2024 · €18k
Cash flow
€-268▼
2024 · €6k
Current ratio
16.51▼
2024 · 21.32
Debt to equity
6.48▲
2024 · 6.13
ROE
-11.4%▼
2024 · 0.2%
ROA
-1.5%▼
2024 · 0.0%
Interest coverage
0.90▼
2024 · 1.60
Debt ≤ 1 year
€22k▲
2024 · €18k
Debt > 1 year
€305k▼
2024 · €327k
Income taxes
€73▼
2024 · €265
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€401k€378k▼
Fixed assets21/28€16k€10k▼
Tangible fixed assets22/27€16k€10k▼
Land and buildings22€615-
Plant, machinery and equipment23€12k€8k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26-€571
Current assets29/58€385k€367k▼
Amounts receivable within one year40/41€202k€206k▲
Trade receivables40€51k€54k▲
Other amounts receivable41€151k€152k▲
Cash at bank and in hand54/58-€38
Deferred charges and accrued income490/1€183k€161k▼
Equity and liabilities
Total equity and liabilities10/49€401k€378k▼
Equity10/15€56k€50k▼
Contributions10/11€119k€119k=
Reserves13€33k€33k=
Non-distributable reserves130/1€785€785=
Reserves not available under the articles1311€785€785=
Tax-exempt reserves132€32k€32k=
Profit (loss) carried forward14€-96k€-101k▼
Amounts payable17/49€345k€327k▼
Amounts payable after more than one year17€327k€305k▼
Financial debts170/4€327k€305k▼
Amounts payable within one year42/48€18k€22k▲
Current portion of amounts payable after more than one year42€15k€14k▼
Financial debts43€94-
Credit institutions430/8€94-
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€587€572▼
Taxes450/3€587€572▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€23k€4k▼
Operating profit (loss)9901€11k€-4k▼
Financial charges65/66B€11k€2k▼
Recurring financial charges65€11k€2k▼
Profit (loss) for the period before taxes9903€384€-6k▼
Income taxes67/77€265€73▼
Profit (loss) for the period9904€119€-6k▼
Profit (loss) for the period to be appropriated9905€119€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-96k€-101k▼
Profit (loss) brought forward from the previous period14P€-96k€-96k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €119
Net result €119 after one loss-making year.
31-12
Financial
Liquidity times 7current ratio 21.32
Current ratio from 2.95 to 21.32; short-term debt falls from €194k to €18k.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 324 days late
2022
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
2021
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 68 days late
2020
31-12
Financial
Weakest financial yearnet €-14k ▼151%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 6.76
Current ratio from 1.65 to 6.76; short-term debt falls from €257k to €72k.
19-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 111 days late
Show earlier events
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 315 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Grobbendonk · 1 establishment unit since 2001
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Netestraat 42280 GrobbendonkGround area
2,245 m²
Building footprint
175 m²
Volume, LiDAR
1,934 m³
Parcel 13010C0124/00V000, Flanders · tallest building 20.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Netestraat 4, 2280 Grobbendonk
since 20012.116.574.642
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13010C0124/00V000 | Flanders | 2,245 m² | 1 · 175 m² | 20.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
HOME DESIGN DE VIER SEIZOENEN
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ARCADUS ARCHITECTE
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BIJN
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CHARLINE LEMAIRE
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,078 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-2001
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.annelivine.be
E-mail:info@anne-livine.be