B-Lieve
ActiveSummary
B-Lieve has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-184k) and a net result of €-17k. Equity is shrinking by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.02 against 0.02 in 2024; short-term debt: 416% and cash: 0.2% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-445.4%
Return on assets
-41.1%
Age of the figures
9 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-184k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
9 d early
2023
8 d early
2022
13 d early
2021
2 d late
2020
12 d early
2019
9 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-184k▼ 10.2%
2024 · €-167k
2018: €-80khighest in 8 years
2019: €-90k▼ -13.2% vs 2018
2020: €-100k▼ -11.3% vs 2019
2021: €-124k▼ -23.6% vs 2020
2022: €-122k▲ +1.9% vs 2021
2023: €-146k▼ -20.3% vs 2022
2024: €-167k▼ -14.4% vs 2023
2025: €-184k▼ -10.2% vs 2024lowest in 8 years
2018 → 2025
Total assets
€41k▼ 20.5%
2024 · €52k
2018: €405khighest in 8 years
2019: €370k▼ -8.7% vs 2018
2020: €380k▲ +2.8% vs 2019
2021: €354k▼ -7.0% vs 2020
2022: €81k▼ -77.0% vs 2021
2023: €83k▲ +2.4% vs 2022
2024: €52k▼ -37.4% vs 2023
2025: €41k▼ -20.5% vs 2024lowest in 8 years
2018 → 2025
Net result
€-17k▲ 19.3%
2024 · €-21k
2018: €-27klowest in 8 years
2019: €-10k▲ +61.0% vs 2018
2020: €-10k▲ +3.3% vs 2019
2021: €-24k▼ -133% vs 2020
2022: €2k▲ +110% vs 2021highest in 8 years
2023: €-25k▼ -1142% vs 2022
2024: €-21k▲ +14.5% vs 2023
2025: €-17k▲ +19.3% vs 2024
2018 → 2025
Working capital
€-168k▼ 0.1%
2024 · €-168k
2018: €-47khighest in 8 years
2019: €-54k▼ -15.4% vs 2018
2020: €-96k▼ -79.3% vs 2019
2021: €-110k▼ -14.4% vs 2020
2022: €-158k▼ -43.1% vs 2021
2023: €-156k▲ +1.1% vs 2022
2024: €-168k▼ -7.7% vs 2023
2025: €-168k▼ -0.1% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-124k-€-122k▲ 1.9%€-146k▼ 20.3%€-167k▼ 14.4%€-184k▼ 10.2%
2021: €-124k
2022: €-122k▲ +1.9% vs 2021highest in 5 years
2023: €-146k▼ -20.3% vs 2022
2024: €-167k▼ -14.4% vs 2023
2025: €-184k▼ -10.2% vs 2024lowest in 5 years
Operating result€-9k-€5k€-24k€-19k▲ 20.2%€-15k▲ 19.3%
2021: €-9k
2022: €5k▲ +153% vs 2021highest in 5 years
2023: €-24k▼ -607% vs 2022lowest in 5 years
2024: €-19k▲ +20.2% vs 2023
2025: €-15k▲ +19.3% vs 2024
Net result€-24k-€2k€-25k€-21k▲ 14.5%€-17k▲ 19.3%
2021: €-24k
2022: €2k▲ +110% vs 2021highest in 5 years
2023: €-25k▼ -1142% vs 2022lowest in 5 years
2024: €-21k▲ +14.5% vs 2023
2025: €-17k▲ +19.3% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2025 against €19k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€37k ▼ 24.0%
Current assets
€4k ▲ 42.2%
Key figures and ratios
EBITDA
€-3k▲
2024 · €-6k
Cash flow
€-4k▲
2024 · €-8k
Solvency
-445.4%▼
2024 · -321.5%
Current ratio
0.02▲
2024 · 0.02
Debt to equity
-1.22▲
2024 · -1.31
ROA
-41.1%▼
2024 · -40.5%
Interest coverage
-1.87▲
2024 · -3.03
Debt
€226k▲
2024 · €219k
Debt ≤ 1 year
€172k▲
2024 · €171k
Debt > 1 year
€54k▲
2024 · €48k
Income taxes
€176▼
2024 · €182
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€52k€41k▼
Fixed assets21/28€49k€37k▼
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€44k€33k▼
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€1k€562▼
Furniture and vehicles24€32k€23k▼
Other tangible fixed assets26€8k€6k▼
Financial fixed assets28€4k€4k=
Current assets29/58€3k€4k▲
Amounts receivable within one year40/41€1k€495▼
Trade receivables40€1k€491▼
Other amounts receivable41€77€4▼
Cash at bank and in hand54/58€1k€85▼
Deferred charges and accrued income490/1€435€3k▲
Equity and liabilities
Total equity and liabilities10/49€52k€41k▼
Equity10/15€-167k€-184k▼
Contributions10/11€24k€24k=
Profit (loss) carried forward14€-191k€-208k▼
Amounts payable17/49€219k€226k▲
Amounts payable after more than one year17€48k€54k▲
Financial debts170/4€48k€54k▲
Amounts payable within one year42/48€171k€172k▲
Current portion of amounts payable after more than one year42€8k€9k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€285€784▲
Taxes450/3€285€784▲
Other amounts payable47/48€160k€160k▼
Accrued charges and deferred income492/3€625€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Other operating charges640/8€1k€660▼
Non-recurring operating charges66A€0-
Gross operating margin9900€-4k€-2k▲
Operating profit (loss)9901€-19k€-15k▲
Financial income75/76B€3€30▲
Recurring financial income75€3€30▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-21k€-17k▲
Income taxes67/77€182€176▼
Profit (loss) for the period9904€-21k€-17k▲
Profit (loss) for the period to be appropriated9905€-21k€-17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-191k€-208k▼
Profit (loss) brought forward from the previous period14P€-170k€-191k▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €9k | €0 | - | - | - |
| Remuneration, social security and pensions62 | €755 | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €38k | €7k | €10k | €14k | €13k | ▼ 6.8% |
| Other operating charges640/8 | €6k | €6k | €437 | €1k | €660 | ▼ 50.7% |
| Non-recurring operating charges66A | - | - | €8k | €0 | - | - |
| Gross operating margin9900 | €36k | €18k | €-5k | €-4k | €-2k | ▲ 50.0% |
| Operating profit (loss)9901 | €-9k | €5k | €-24k | €-19k | €-15k | ▲ 19.3% |
| Financial income75/76B | €21 | €5 | €394 | €3 | €30 | ▲ 1,046% |
| Recurring financial income75 | €21 | €5 | €394 | €3 | €30 | ▲ 1,046% |
| Non-recurring financial income76B | €0 | - | - | - | - | - |
| Financial charges65/66B | €15k | €2k | €1k | €2k | €1k | ▼ 19.4% |
| Recurring financial charges65 | €15k | €2k | €1k | €2k | €1k | ▼ 19.4% |
| Profit (loss) for the period before taxes9903 | €-23k | €3k | €-25k | €-21k | €-17k | ▲ 19.5% |
| Income taxes67/77 | €156 | €148 | €102 | €182 | €176 | ▼ 3.1% |
| Profit (loss) for the period9904 | €-24k | €2k | €-25k | €-21k | €-17k | ▲ 19.3% |
| Profit (loss) for the period to be appropriated9905 | €-24k | €2k | €-25k | €-21k | €-17k | ▲ 19.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €354k | €81k | €83k | €52k | €41k | ▼ 20.5% |
| Fixed assets21/28 | €340k | €61k | €66k | €49k | €37k | ▼ 24.0% |
| Intangible fixed assets21 | €30k | €36k | €2k | €2k | €1k | ▼ 35.7% |
| Tangible fixed assets22/27 | €303k | €18k | €56k | €44k | €33k | ▼ 25.6% |
| Land and buildings22 | €286k | €3k | €3k | €3k | €3k | ▼ 3.4% |
| Plant, machinery and equipment23 | €2k | €2k | €1k | €1k | €562 | ▼ 44.2% |
| Furniture and vehicles24 | €6k | €2k | €43k | €32k | €23k | ▼ 27.9% |
| Other tangible fixed assets26 | €9k | €11k | €10k | €8k | €6k | ▼ 21.6% |
| Financial fixed assets28 | €8k | €8k | €8k | €4k | €4k | = |
| Current assets29/58 | €13k | €20k | €17k | €3k | €4k | ▲ 42.2% |
| Amounts receivable within one year40/41 | €5k | €6k | €7k | €1k | €495 | ▼ 55.4% |
| Trade receivables40 | €5k | €6k | €6k | €1k | €491 | ▼ 52.5% |
| Other amounts receivable41 | €6 | €6 | €407 | €77 | €4 | ▼ 95.1% |
| Cash at bank and in hand54/58 | €8k | €14k | €10k | €1k | €85 | ▼ 93.2% |
| Deferred charges and accrued income490/1 | €88 | €88 | €709 | €435 | €3k | ▲ 679% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €354k | €81k | €83k | €52k | €41k | ▼ 20.5% |
| Equity10/15 | €-124k | €-122k | €-146k | €-167k | €-184k | ▼ 10.2% |
| Contributions10/11 | €24k | €24k | €24k | €24k | €24k | = |
| Profit (loss) carried forward14 | €-148k | €-146k | €-170k | €-191k | €-208k | ▼ 8.9% |
| Amounts payable17/49 | €478k | €203k | €229k | €219k | €226k | ▲ 2.9% |
| Amounts payable after more than one year17 | €354k | €25k | €56k | €48k | €54k | ▲ 11.8% |
| Financial debts170/4 | €354k | €25k | €56k | €48k | €54k | ▲ 11.8% |
| Other amounts payable178/9 | €0 | - | - | - | - | - |
| Amounts payable within one year42/48 | €123k | €178k | €173k | €171k | €172k | ▲ 0.8% |
| Current portion of amounts payable after more than one year42 | €29k | €0 | €8k | €8k | €9k | ▲ 4.6% |
| Trade debts44 | €3k | €632 | €2k | €2k | €3k | ▲ 32.3% |
| Suppliers440/4 | €3k | €632 | €2k | €2k | €3k | ▲ 32.3% |
| Taxes, remuneration and social security45 | €3k | €4k | €389 | €285 | €784 | ▲ 175% |
| Taxes450/3 | €3k | €4k | €389 | €285 | €784 | ▲ 175% |
| Other amounts payable47/48 | €89k | €173k | €163k | €160k | €160k | ▼ 0.1% |
| Accrued charges and deferred income492/3 | - | - | - | €625 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-24k | €2k | €-25k | €-21k | €-17k | ▲ 19.3% |
| + Depreciation and write-downs630 | €38k | €7k | €10k | €14k | €13k | ▼ 6.8% |
| Operating cash flow (approximation) | €14k | €10k | €-14k | €-8k | €-4k | ▲ 42.0% |
| Investment in fixed assets (approximation) | - | €272k | €-15k | €3k | €-828 | ▼ 127% |
| Change in cash | - | €6k | €-4k | €-9k | €-1k | ▲ 86.6% |
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
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after 4 loss-making years.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 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.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Kontich · 1 establishment unit since 2002
Ground area
3,448 m²
Building footprint
290 m²
Volume, LiDAR
1,731 m³
Parcel 11048B0153/00D000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gasthuisstraat 11, 2550 Kontich
since 20022.115.522.290
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11048B0153/00D000 | Flanders | 3,447 m² | 1 · 290 m² | 9.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 690 EUR awarded · 690 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 690 EUR | 690 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,743 companies in sector 46150 we hold annual accounts for 758. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-08-2002
Fiscal year end31-12
Activities, NACEBEL 2025
46150Agents in the wholesale of furniture, household goods and hardware
82990Other business support services
Contact
Scores and ratios are computed by Checked and are not a credit decision.