C-LIVING
ActiveSummary
C-LIVING has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32.2m and a net result of €3.2m. Equity is growing by about 9.2% per year across the filed financial years. Its solvency ranks better than 79% of 5,708 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Financials · financial year 2025, full format
In the rankings
#4 company by equity in Temse, Real estate sector#6 company by total assets in Temse, Real estate sector
Turnover
€3.3m▲ 3.3%
2024 · €3.2m
EBIT margin
6.7%▼ 224.2pp
2024 · 230.9%
Net result
€3.2m▼ 56.0%
2024 · €7.2m
Working capital
-€2.9m▲ 52.6%
2024 · -€6.1m
Trend over the years
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result falls in 2025; 2025 is 97% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Turnover€3.3m
2025
Operating result€0.2m
2025
Net result€3.2m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€40.7m
2025
Equity€32.2m
2025
Debt€8.5m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€2.9m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
EBIT margin6.7%
2025
Return on assets (ROA)7.8%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency79.1%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.65
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)0.6
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 68, Real estate activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Turnover€0.1m-€0.2m€1.0m▲ 545%€3.4m▲ 244%€3.2m▼ 7.4%€3.3m▲ 3.3%
Operating result€0.1m--€0.02m-€0.04m▼ 148%-€0.4m▼ 806%-€1.1m▼ 217%€7.3m€0.2m▼ 97.0%
Net result€0.09m-€0.01mwithin the sector's middle half▼ 83.8%-€399within the sector's middle half-€1.7mbelow the sector's middle half▼ 416,944%-€2.5mbelow the sector's middle half▼ 50.6%€7.2mabove the sector's middle half€3.2mabove the sector's middle half▼ 56.0%
EBIT margin95.4%--25.9%-36.4%▼ 10.5pp-33.4%▲ 2.9pp230.9%▲ 264.4pp6.7%▼ 224.2pp
Equity€2.7m-€26.0mabove the sector's middle half▲ 882%€26.0mabove the sector's middle half=€24.4mabove the sector's middle half▼ 6.4%€21.9mabove the sector's middle half▼ 10.3%€29.1mabove the sector's middle half▲ 32.9%€32.2mabove the sector's middle half▲ 10.9%
Total assets€2.9m-€26.1mabove the sector's middle half▲ 816%€36.0mabove the sector's middle half▲ 38.1%€35.8mabove the sector's middle half▼ 0.8%€37.9mabove the sector's middle half▲ 6.1%€43.0mabove the sector's middle half▲ 13.3%€40.7mabove the sector's middle half▼ 5.3%
Debt€0.2m-€0.06m▼ 69.4%€10.0m▲ 16,376%€11.4m▲ 13.8%€16.1m▲ 41.1%€13.9m▼ 13.3%€8.5m▼ 38.9%
Working capital€2.7m-€3.5mabove the sector's middle half▲ 30.4%-€9.8mbelow the sector's middle half-€10.4mbelow the sector's middle half▼ 5.8%-€13.3mbelow the sector's middle half▼ 28.4%-€6.1mbelow the sector's middle half▲ 53.8%-€2.9mbelow the sector's middle half▲ 52.6%
Solvency93.0%-99.8%above the sector's middle half▲ 6.7pp72.3%above the sector's middle half▼ 27.5pp68.2%above the sector's middle half▼ 4.1pp57.7%within the sector's middle half▼ 10.5pp67.6%above the sector's middle half▲ 9.9pp79.1%above the sector's middle half▲ 11.5pp
Current ratio14.36-57.98above the sector's middle half▲ 43.630.02below the sector's middle half▼ 57.960.09below the sector's middle half▲ 0.070.17below the sector's middle half▲ 0.080.56within the sector's middle half▲ 0.390.65within the sector's middle half▲ 0.10
Return on assets (ROA)3.1%-0.1%within the sector's middle half▼ 3.0pp0.0%within the sector's middle half▼ 0.1pp-4.7%below the sector's middle half▼ 4.7pp-6.6%below the sector's middle half▼ 2.0pp16.7%above the sector's middle half▲ 23.3pp7.8%above the sector's middle half▼ 8.9pp
Staff (FTE)1within the sector's middle half1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=0.6within the sector's middle half▼ 40.0%
above
within
below
the middle half of NACE 68, Real estate activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40.7m
Fixed assets
€35.2m =
Current assets
€5.5m ▼ 29.1%
Equity and liabilities €40.7m
Equity
€32.2m ▲ 10.9%
Debt
€8.5m ▼ 38.9%
Debt's share of the balance-sheet total falls from 32.4% to 20.9%. Equity is higher and debt is lower.
Key figures and ratios
Debt to equity
0.26▼
2024 · 0.48
ROE
9.8%▼
2024 · 24.7%
Debt ≤ 1 year
€8.4m▼
2024 · €13.9m
Income taxes
€199
Staff costs
€41,995▼
2024 · €42,550
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | €0.2m | €1.0m | €5.7m | €10.8m | €3.6m | ▼ 66.4% |
| Turnover70 | €0.1m | - | €0.2m | €1.0m | €3.4m | €3.2m | €3.3m | ▲ 3.3% |
| Change in stocks of work in progress, finished goods and contracts in progress71 | - | - | €0.008m | -€0.008m | €0 | - | - | - |
| Other operating income74 | - | - | €0.005m | €0.003m | €2.3m | €0.1m | €0.001m | ▼ 99.6% |
| Non-recurring operating income76A | - | - | €0.04m | - | - | €7.5m | €0.3m | ▼ 95.4% |
| Operating charges60/66A | - | - | €0.2m | €1.3m | €6.8m | €3.5m | €3.4m | ▼ 1.8% |
| Goods for resale, raw materials and consumables60 | - | - | - | €0.1m | €3.3m | €0.02m | €0 | ▼ 100% |
| Purchases600/8 | - | - | - | €0.1m | €3.3m | €0.02m | €0 | ▼ 100% |
| Change in stocks: decrease (increase)609 | - | - | - | €0.004m | €0 | - | - | - |
| Services and other goods61 | - | - | €0.02m | €0.8m | €3.4m | €3.4m | €3.3m | ▼ 0.9% |
| Remuneration, social security and pensions62 | - | - | €0.2m | €0.4m | €0.09m | €0.04m | €0.04m | ▼ 1.3% |
| Other operating charges640/8 | - | - | €0.001m | €158 | €267 | €0.01m | €0.001m | ▼ 95.9% |
| Operating profit (loss)9901 | €0.1m | -€0.02m | -€0.04m | -€0.4m | -€1.1m | €7.3m | €0.2m | ▼ 97.0% |
| Financial income75/76B | - | - | €0.04m | - | €4.4m | €1.0m | €3.5m | ▲ 247% |
| Recurring financial income75 | €0.09m | €0.07m | €0.04m | - | €4.4m | €0 | €3.5m | ▲ 8,682,509,275% |
| Income from financial fixed assets750 | - | - | - | - | €4.3m | €0 | €3.5m | - |
| Income from current assets751 | - | - | €0.04m | - | €0.1m | €0 | - | - |
| Other financial income752/9 | - | - | - | - | - | €0 | €4 | ▲ 9,275% |
| Non-recurring financial income76B | - | - | - | - | - | €1.0m | €0 | ▼ 100% |
| Financial charges65/66B | - | - | €0.005m | €1.3m | €5.7m | €1.1m | €0.5m | ▼ 53.0% |
| Recurring financial charges65 | €0.003m | €483 | €0.005m | €0.2m | €1.2m | €1.1m | €0.5m | ▼ 53.0% |
| Debt charges650 | - | €9 | €0.004m | €0.2m | €1.2m | €1.1m | €0.5m | ▼ 53.0% |
| Other financial charges652/9 | - | - | €0.001m | - | €0.008m | €2 | €39 | ▲ 1,852% |
| Non-recurring financial charges66B | - | - | - | €1.1m | €4.5m | €0 | - | - |
| Profit (loss) for the period before taxes9903 | €0.2m | €0.05m | -€399 | -€1.7m | -€2.5m | €7.2m | €3.2m | ▼ 56.0% |
| Income taxes67/77 | €0.1m | €0.04m | - | -€165 | €0 | - | €199 | - |
| Taxes670/3 | - | - | - | €307 | €0 | - | €199 | - |
| Tax adjustments and reversals of tax provisions77 | - | - | - | €473 | €0 | - | - | - |
| Profit (loss) for the period9904 | €0.09m | €0.01m | -€399 | -€1.7m | -€2.5m | €7.2m | €3.2m | ▼ 56.0% |
| Profit (loss) for the period to be appropriated9905 | €0.09m | €0.01m | -€399 | -€1.7m | -€2.5m | €7.2m | €3.2m | ▼ 56.0% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €2.9m | €26.1m | €36.0m | €35.8m | €37.9m | €43.0m | €40.7m | ▼ 5.3% |
| Fixed assets21/28 | - | €22.6m | €35.8m | €34.7m | €35.2m | €35.2m | €35.2m | = |
| Financial fixed assets28 | - | €22.6m | €35.8m | €34.7m | €35.2m | €35.2m | €35.2m | = |
| Affiliated companies280/1 | - | - | €35.8m | €34.7m | €35.2m | €35.2m | €35.2m | = |
| Participating interests280 | - | - | €35.8m | €34.7m | €35.2m | €35.2m | €35.2m | = |
| Other financial fixed assets284/8 | - | - | - | €0.002m | €0.004m | €0.01m | €0.008m | ▼ 18.2% |
| Amounts receivable and cash guarantees285/8 | - | - | - | €0.002m | €0.004m | €0.01m | €0.008m | ▼ 18.2% |
| Current assets29/58 | €2.9m | €3.5m | €0.2m | €1.0m | €2.7m | €7.8m | €5.5m | ▼ 29.1% |
| Stocks and contracts in progress3 | €0.004m | €0.004m | €0.01m | - | €0 | €0 | €0 | - |
| Stocks30/36 | - | - | €0.01m | - | - | - | - | - |
| Work in progress32 | - | - | €0.008m | - | - | - | - | - |
| Property held for sale35 | - | - | €0.004m | - | - | - | - | - |
| Amounts receivable within one year40/41 | €2.7m | €3.5m | €0.2m | €1.0m | €2.5m | €2.9m | €3.0m | ▲ 6.1% |
| Trade receivables40 | - | - | €0.2m | €0.9m | €2.3m | €2.9m | €3.0m | ▲ 6.1% |
| Other amounts receivable41 | - | - | €2 | €0.1m | €0.2m | €0 | - | - |
| Cash at bank and in hand54/58 | €0.1m | €0.01m | €0.04m | €0.004m | €0 | - | - | - |
| Deferred charges and accrued income490/1 | - | - | €0.001m | €0.008m | €0.2m | €4.9m | €2.5m | ▼ 49.8% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €2.9m | €26.1m | €36.0m | €35.8m | €37.9m | €43.0m | €40.7m | ▼ 5.3% |
| Equity10/15 | €2.7m | €26.0m | €26.0m | €24.4m | €21.9m | €29.1m | €32.2m | ▲ 10.9% |
| Contributions10/11 | €0.07m | €23.5m | €23.5m | €23.5m | €23.5m | €23.5m | €23.5m | = |
| Capital10 | - | - | €23.5m | €23.5m | €23.5m | €23.5m | €23.5m | = |
| Issued capital100 | - | - | €23.5m | €23.5m | €23.5m | €23.5m | €23.5m | = |
| Reserves13 | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Non-distributable reserves130/1 | - | - | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Legal reserve130 | - | - | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Profit (loss) carried forward14 | €2.6m | €2.6m | €2.6m | €0.9m | -€1.6m | €5.6m | €8.8m | ▲ 56.5% |
| Amounts payable17/49 | €0.2m | €0.06m | €10.0m | €11.4m | €16.1m | €13.9m | €8.5m | ▼ 38.9% |
| Amounts payable within one year42/48 | €0.2m | €0.06m | €10.0m | €11.4m | €16.0m | €13.9m | €8.4m | ▼ 39.5% |
| Trade debts44 | €0.003m | €0.003m | €0.007m | €0.7m | €1.3m | €1.0m | €0.8m | ▼ 20.6% |
| Suppliers440/4 | - | - | €0.007m | €0.7m | €1.3m | €1.0m | €0.8m | ▼ 20.6% |
| Taxes, remuneration and social security45 | - | - | €0.04m | €0.06m | €0.01m | €0.2m | €0.3m | ▲ 28.9% |
| Taxes450/3 | - | - | €0.02m | €0.02m | €307 | €0.2m | €0.3m | ▲ 32.0% |
| Remuneration and social security454/9 | - | - | €0.02m | €0.05m | €0.01m | €0.007m | €0.002m | ▼ 76.1% |
| Other amounts payable47/48 | - | - | €10.0m | €10.6m | €14.7m | €12.6m | €7.3m | ▼ 42.3% |
| Accrued charges and deferred income492/3 | - | - | - | €263 | €0.05m | €0.03m | €0.09m | ▲ 255% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.09m | €0.01m | -€399 | -€1.7m | -€2.5m | €7.2m | €3.2m | ▼ 56.0% |
| Operating cash flow (approximation) | €0.09m | €0.01m | -€399 | -€1.7m | -€2.5m | €7.2m | €3.2m | ▼ 56.0% |
| Investment in fixed assets (approximation) | - | - | -€13.3m | €1.1m | -€0.5m | -€0.006m | €0.002m | ▲ 130% |
| Change in cash | - | -€0.09m | €0.03m | -€0.04m | -€0.004m | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of the 1,290 companies in this sector, figures are known for 917. 151 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector