Equity
-€184,377
Debts exceed assets in financial year 2025.
B-Lieve
Lifetime
19 annual accounts with figures on one time axis, 23 filings since 2003peak €133,204 (2012)
-€2,087▲ €2,086
lowest -€26,909 (2018)
-€17,025▲ €4,076
peak €11,476 (2010)
-€184,377▼ €17,025
€225,774▲ 2.9%
peak 3.4 FTE (2011)
-not published
Board2 names since 2010
1 directorWimDIERCKX
Documentsfilings and deeds
30-07-20261 day before the deadline
2025micro format
Gross margin from -€4,174 to -€2,087Loss of €17,025Cash from €1,245 to €85
Key points
from the 2025 annual accountsLosses
-€62,812 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
Debts
€225,774 545% of the balance sheet
Financial debts 24%Suppliers 1%Taxes and wages 0%Other 75%
Of this, €172,212 falls due within a year.
Turnover not published (micro format)
Checked score
53
Fair
Financially stronger than 10% of micro companies in wholesale trade (NACE 46)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.4%● unchanged vs 12-2024
02-2025: 1.4%● unchanged vs 01-2025
03-2025: 1.4%● unchanged vs 02-2025
04-2025: 1.4%● unchanged vs 03-2025
05-2025: 1.4%● unchanged vs 04-2025
06-2025: 1.3%▼ -0.1 percentage points vs 05-2025
07-2025: 1.5%▲ +0.2 percentage points vs 06-2025
08-2025: 1.4%▼ -0.1 percentage points vs 07-2025
09-2025: 1.4%● unchanged vs 08-2025
10-2025: 1.4%● unchanged vs 09-2025
11-2025: 1.4%● unchanged vs 10-2025
12-2025: 1.4%● unchanged vs 11-2025
01-2026: 1.3%▼ -0.1 percentage points vs 12-2025
02-2026: 1.3%● unchanged vs 01-2026
03-2026: 1.3%● unchanged vs 02-2026
04-2026: 1.3%● unchanged vs 03-2026
05-2026: 1.3%● unchanged vs 04-2026
06-2026: 1.2%▼ -0.1 percentage points vs 05-2026lowest value
07-2026: 1.3%▲ +0.1 percentage points vs 06-2026
08-2026: 1.7%▲ +0.4 percentage points vs 07-2026highest value
09-2026: 1.7%● unchanged vs 08-2026highest value
10-2026: 1.7%● unchanged vs 09-2026
11-2026: 1.7%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Loss of €17,025, the second in a row (financial year 2025)
Negative equity -€184,377
lowers risk
Size: total assets €41,397
Founded in 2002
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 6% of them on solvency, 2% on liquidity, 6% on profitability and 26% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as B-Lieve has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of B-Lieve itself: 1.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for B-Lieve. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.02 (0.02 in 2024), below 1. Short-term debt is 416% and cash 0.2% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
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 -€184,377
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 day early
2024
9 days early
2023
8 days early
2022
13 days early
2021
2 days late
2020
12 days early
2019
9 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 7 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0478151996
Resignation: GodelieveDEWEERDT (director)
Appointment: WimDIERCKX (director) · Director discharge: GodelieveDEWEERDT · General meeting of 25-09-2024 · Gazette deed
Company renamed from Pralines & Chocolats to B-Lieve
Resignation: Godelieve De Weerdt (manager) · Reappointment: Godelieve De Weerdt (director) · “Het optreden als koper-wederverkoper of tussenpersoon in alle mogelijke soorten handel; Het geven van advies…” (deed in Dutch) · General meeting of 09-07-2020 · Gazette deed
First establishment
Gasthuisstraat 11, Kontich
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| B-Lieve Kontich | €41,397 | -€2,087 | -445.4% | - |
| Vandilux Brasschaat | €51,585 | -€653 | 56.0% | - |
| Bart Vermeerbergen Herenthout | €46,820 | -€19,562 | 72.6% | - |
| LUKA Group Antwerp | €64,505 | €730 | 6.1% | - |
| EMMAX Kuurne | €57,359 | -€21,861 | 55.8% | - |
| SURSUM & CORDA Saint-Josse-ten-Noode | €54,054 | €1,162 | -174.7% | - |
| ADNL Mol | €29,561 | €1,834 | -116.7% | - |
These companies have the same main activity as B-Lieve: agents in the wholesale of furniture, household goods and hardware (NACE 46150). They are comparable in size and age: total assets between €29,600 and €64,500, founded between 1997 and 2006.
Official details
Source: KBO- Status
- Active since 12-08-2002Normal situation
- Activity
- Agents in the wholesale of furniture, household goods and hardwareNACE 46150and 1 other
- Establishment unit
- 2.115.522.2902550 Kontich, since 27-08-2002
- Financial year end
- 31 December
- Peppol
- Reachable since 03-06-2025
Annual accounts 2025
- €41,397▼ 20.5%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on B-Lieve
B-Lieve files the micro format. That format states no turnover. The gross margin fell from €32,276 in 2010 to -€2,087 in 2025.
The balance sheet grew most in 2012 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about B-Lieve
- What is the company number of B-Lieve?
- The company number of B-Lieve is 0478.151.996. The VAT number is the same number with BE in front: BE 0478.151.996.
- Where is B-Lieve based?
- The registered office is at Gasthuisstraat 11, 2550 Kontich.Company details
- What does B-Lieve do?
- According to the KBO register, the main activity is agents in the wholesale of furniture, household goods and hardware (NACE 46150).
- What is the legal form of B-Lieve?
- B-Lieve is a private limited company (BV).
- When was B-Lieve founded?
- B-Lieve was founded on 12-08-2002.
- Is B-Lieve still active?
- Yes, B-Lieve is an active enterprise in the KBO register.
- How many employees does B-Lieve have?
- B-Lieve had an average of 1.3 full-time equivalents in financial year 2018, according to the filed annual accounts.Financials
- What is the turnover of B-Lieve?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.
- Is B-Lieve profitable?
- In financial year 2025, B-Lieve made a loss of €17,025.
- Where can I find the annual accounts of B-Lieve?
- B-Lieve filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of B-Lieve due?
- B-Lieve must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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