AU SOIN D'UNE VIE
ActiveSummary
AU SOIN D'UNE VIE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €21k. Equity is growing by ~37.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+2
Solvency100▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 4.18 against 4.05 in 2024; short-term debt: 16.6% and cash: 43.4% of total assets), and 23.6% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76.4%
Return on assets
14.2%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-04-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
27 d early
2023
6 d early
2022
16 d early
2021
2 d late
2020
2 d early
2019
25 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€21k▲ 14.7%
2024 · €18k
2018: €3k
2019: €-7k
2020: €9k
2021: €29k
2022: €30k
2023: €25k
2024: €18k
2018 → 2025
Working capital
€77k▲ 34.4%
2024 · €57k
2018: €9k
2019: €5k
2020: €13k
2021: €11k
2022: €47k
2023: €31k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€59k▲ 105%€85k▲ 42.7%€99k▲ 17.6%€111k▲ 11.9%
Operating result€45k-€49k▲ 8.2%€23k▼ 52.6%€30k▲ 29.8%€32k▲ 7.4%
Net result€29k-€30k▲ 3.7%€25k▼ 16.6%€18k▼ 28.7%€21k▲ 14.7%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146k
Fixed assets
€45k ▼ 27.8%
Current assets
€101k ▲ 33.0%
Equity and liabilities €146k
Equity
€111k ▲ 11.9%
Debt
€34k ▼ 10.5%
Debt's share of the balance-sheet total falls from 27.9% to 23.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€54k▲
2024 · €53k
Cash flow
€43k▲
2024 · €41k
Current ratio
4.18▲
2024 · 4.05
Debt to equity
0.31▼
2024 · 0.39
ROE
18.6%▲
2024 · 18.1%
ROA
14.2%▲
2024 · 13.1%
Interest coverage
48.05▲
2024 · 36.11
Debt ≤ 1 year
€24k▲
2024 · €19k
Debt > 1 year
€10k▼
2024 · €20k
Income taxes
€11k▲
2024 · €11k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€138k€146k▲
Fixed assets21/28€62k€45k▼
Tangible fixed assets22/27€62k€45k▼
Furniture and vehicles24€60k€40k▼
Other tangible fixed assets26€2k€4k▲
Current assets29/58€76k€101k▲
Amounts receivable after more than one year29€24k€16k▼
Other amounts receivable291€24k€16k▼
Amounts receivable within one year40/41€28k€19k▼
Trade receivables40€9k€6k▼
Other amounts receivable41€19k€13k▼
Cash at bank and in hand54/58€22k€63k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€138k€146k▲
Equity10/15€99k€111k▲
Contributions10/11€6k€6k=
Reserves13€93k€105k▲
Distributable reserves133€93k€105k▲
Profit (loss) carried forward14€28€28=
Amounts payable17/49€38k€34k▼
Amounts payable after more than one year17€20k€10k▼
Financial debts170/4€20k€10k▼
Amounts payable within one year42/48€19k€24k▲
Current portion of amounts payable after more than one year42€11k€9k▼
Trade debts44€1k€871▼
Suppliers440/4€1k€871▼
Taxes, remuneration and social security45-€159
Taxes450/3-€159
Other amounts payable47/48€6k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€22k▼
Other operating charges640/8€764€790▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€54k€58k▲
Operating profit (loss)9901€30k€32k▲
Financial income75/76B€236€839▲
Recurring financial income75€236€839▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Non-recurring financial charges66B-€1
Profit (loss) for the period before taxes9903€29k€32k▲
Income taxes67/77€11k€11k▲
Profit (loss) for the period9904€18k€21k▲
Profit (loss) for the period to be appropriated9905€18k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€21k▲
Profit (loss) brought forward from the previous period14P€28€28=
Transfer from equity791/2€3k€9k▲
Transfer to equity691/2€18k€21k▲
To other reserves6921€18k€21k▲
Profit to be distributed694/7€3k€9k▲
Return on contributions (dividend)694€3k€9k▲
The notes to these accounts (14 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
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Equity above €100kEq €111k ▲11.9%
6 profitable years in a row build equity to €111k.
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
14-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
Financial
Highest result since 2018net €30k ▲3.7%
Operating result €49k, net result €30k, both a record.
30-09
Financial
Liquidity quadruplescurrent ratio 4.74
Current ratio from 1.32 to 4.74; short-term debt falls from €36k to €13k.
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
30-09
Financial
Weakest financial yearnet €-7k ▼325%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
Show earlier events
02-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 2 days late
2018
04-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 4 days late
2017
09-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Morlanwelz · 1 establishment unit since 2013
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.
Rue Champ-la-Haut(CAR) 57141 MorlanwelzGround area
342 m²
Building footprint
63 m²
Volume, LiDAR
496 m³
Parcel 56015B0342/00Y004, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Champ-la-Haut(CAR) 5, 7141 Morlanwelz
since 20132.216.458.512
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56015B0342/00Y004 | Wallonia | 342 m² | 1 · 63 m² | 9.7 m · 3 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
Mogreg Verpleging
BE 0805.235.404
Kortrijk · Eq €111,266
N Verpleging
BE 0805.717.533
Houthalen-Helchteren · Eq €111,220
MEG SOINS
BE 1003.782.724
Charleroi · Eq €111,602
Els De Wit
BE 0672.847.824
Londerzeel · Eq €111,753
IVO
BE 0524.675.770
Nijlen · Eq €111,796
Of 5,984 companies in sector 86940 we hold annual accounts for 1,808. 1,522 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
Founded06-02-2013
Fiscal year end30-09
Activities, NACEBEL 2025
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.