beLife
ActiveSummary
beLife has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.23M and a net result of €-5k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 39% of 267 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37=
Solvency67=
Growth85=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity short (current ratio 0.76 against 0.77 in 2024; short-term debt: 58.3% and cash: 1.2% of total assets), and 58.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 20
Relative position
BE, all sectors
reference
Sector 20
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
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
41.7%
Return on assets
-0.2%
Age of the figures
9 mo
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
51 d early
2023
50 d early
2022
52 d early
2021
39 d early
2020
47 d early
2019
3 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, full schema
Turnover
€15k▲ 2,400%
2019 · €600
2018: €1k
2019: €600
2018 → 2020
EBIT margin
-119.8%▲ 136265.0pp
2019 · -136384.8%
2018: -176452.2%
2019: -136384.8%
2018 → 2020
Net result
€-5k▲ 8.9%
2024 · €-5k
2018: €-1.79M
2019: €-722k
2020: €-20k
2021: €-34k
2022: €-27k
2023: €-12k
2024: €-5k
2018 → 2025
Working capital
€-419k▼ 6.8%
2024 · €-392k
2018: €-1.68M
2019: €-260k
2020: €-280k
2021: €-314k
2022: €-341k
2023: €-362k
2024: €-392k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.28M-€1.25M▼ 2.1%€1.24M▼ 1.0%€1.23M▼ 0.4%€1.23M▼ 0.4%
Operating result€-32k-€-25k▲ 22.6%€-17k▲ 31.2%€-20k▼ 15.5%€-18k▲ 7.7%
Net result€-34k-€-27k▲ 20.5%€-12k▲ 54.0%€-5k▲ 55.5%€-5k▲ 8.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2025 against €20k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.94M
Fixed assets
€1.65M ▲ 1.3%
Current assets
€1.30M ▲ 1.3%
Equity and liabilities €2.94M
Equity
€1.23M ▼ 0.4%
Debt
€1.72M ▲ 2.6%
Debt's share of the balance-sheet total rises from 57.6% to 58.3%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
0.76▼
2024 · 0.77
Debt to equity
1.40▲
2024 · 1.36
ROE
-0.4%▲
2024 · -0.4%
ROA
-0.2%▲
2024 · -0.2%
Debt ≤ 1 year
€1.72M▲
2024 · €1.67M
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.91M€2.94M▲
Fixed assets21/28€1.62M€1.65M▲
Intangible fixed assets21€2€2=
Financial fixed assets28€1.62M€1.65M▲
Current assets29/58€1.28M€1.30M▲
Amounts receivable within one year40/41€1.22M€1.26M▲
Other amounts receivable41€1.22M€1.26M▲
Cash at bank and in hand54/58€61k€34k▼
Equity and liabilities
Total equity and liabilities10/49€2.91M€2.94M▲
Equity10/15€1.23M€1.23M▼
Contributions10/11€1.53M€1.53M=
Capital10€1.53M€1.53M=
Issued capital100€1.53M€1.53M=
Reserves13€13k€13k=
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Profit (loss) carried forward14€-308k€-313k▼
Amounts payable17/49€1.67M€1.72M▲
Amounts payable within one year42/48€1.67M€1.72M▲
Financial debts43€1.67M€1.69M▲
Other loans439€1.67M€1.69M▲
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Other amounts payable47/48€3k€20k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€20k€18k▼
Gross operating margin9900€-20k€-18k▲
Operating profit (loss)9901€-20k€-18k▲
Financial income75/76B€48k€42k▼
Recurring financial income75€24k€21k▼
Non-recurring financial income76B€25k€22k▼
Financial charges65/66B€34k€29k▼
Recurring financial charges65€34k€29k▼
Profit (loss) for the period before taxes9903€-5k€-5k▲
Profit (loss) for the period9904€-5k€-5k▲
Profit (loss) for the period to be appropriated9905€-5k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-308k€-313k▼
Profit (loss) brought forward from the previous period14P€-303k€-308k▼
The notes to these accounts (8 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 3 days late
2019
31-12
Financial
Equity above €1MEq €1.33M ▲93.5%
Equity rises from €688k to €1.33M.
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
24 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, Engis · 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.
Rue Joseph Wauters(ENG) 1204480 EngisGround area
2.0 ha
Building footprint
7,627 m²
Volume, LiDAR
8,816 m³
2 parcels, Wallonia · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue Joseph Wauters(ENG) 144, 4480 Engis
since 20012.048.756.695
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62031A0392/00X002 | Wallonia | 1.3 ha | 1 · 1,686 m² | 8.9 m · 1 fl. |
| 62031A0439/00E003 | Wallonia | 7,299 m² | 1 · 5,940 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
European research
2 projectsProgrammes
Horizon 2020
Projects
Bringing innovAtion by Scaling up nanoMATerials and Inks for printing
Silicon and polyanionic chemistries and architectures of Li-ion cell for high energy battery
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Of 107 companies in sector 20140 we hold annual accounts for 93. 41 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 formPublic limited company
Founded27-04-1990
Fiscal year end31-12
Activities, NACEBEL 2025
20140Manufacture of chemicals and chemical products
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.