CO-LIFE
ActiveCO-LIFE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-205k) and a net result of €-18k. Equity is shrinking by ~43.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 4533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 2025Age of the figures
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
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 €-205k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
18 d late
2024
7 d early
2023
9 d early
2022
3 d early
2021
17 d early
2020
5 d late
2019
40 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-18k▲ 22.7%
2024 · €-23k
2018: €-18k
2019: €-18k
2020: €-40k
2021: €-92k
2022: €-70k
2023: €-41k
2024: €-23k
2018 → 2025
Working capital
€-38k▲ 78.1%
2024 · €-176k
2018: €125k
2019: €105k
2020: €66k
2021: €-52k
2022: €-123k
2023: €-155k
2024: €-176k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-53k-€-123k▼ 131%€-164k▼ 33.2%€-187k▼ 14.3%€-205k▼ 9.7%
Operating result€-93k-€-70k▲ 24.4%€-32k▲ 55.1%€-13k▲ 57.4%€-7k▲ 49.2%
Net result€-92k-€-70k▲ 24.1%€-41k▲ 41.4%€-23k▲ 42.8%€-18k▲ 22.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €13k in 2024; the loss shrinks.
Key figures and ratios
Debt
€207k▲
2024 · €188k
Debt ≤ 1 year
€40k▼
2024 · €177k
Debt > 1 year
€153k
Ratios withheld: a balance sheet total of €2k is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1k€2k▲
Current assets29/58€1k€2k▲
Amounts receivable within one year40/41-€2k
Other amounts receivable41-€2k
Cash at bank and in hand54/58€1k€439▼
Equity and liabilities
Total equity and liabilities10/49€1k€2k▲
Equity10/15€-187k€-205k▼
Contributions10/11€70k€70k=
Capital10€70k€70k=
Issued capital100€70k€70k=
Reserves13€57k€57k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€-314k€-332k▼
Amounts payable17/49€188k€207k▲
Amounts payable after more than one year17-€153k
Other amounts payable178/9-€153k
Amounts payable within one year42/48€177k€40k▼
Trade debts44€41k€40k▼
Suppliers440/4€41k€40k▼
Taxes, remuneration and social security45€111€0▼
Taxes450/3€111€0▼
Other amounts payable47/48€136k€0▼
Accrued charges and deferred income492/3€11k€13k▲
Income statement
Code20242025
Other operating charges640/8€505€532▲
Non-recurring operating charges66A€0-
Gross operating margin9900€-13k€-6k▲
Operating profit (loss)9901€-13k€-7k▲
Financial charges65/66B€10k€11k▲
Recurring financial charges65€10k€11k▲
Profit (loss) for the period before taxes9903€-23k€-18k▲
Profit (loss) for the period9904€-23k€-18k▲
Profit (loss) for the period to be appropriated9905€-23k€-18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-314k€-332k▼
Profit (loss) brought forward from the previous period14P€-291k€-314k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (3 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 18 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-92k
Net result drops to €-92k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 5 days late
2020
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 40 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 15.37
Current ratio from 5.24 to 15.37; short-term debt falls from €29k to €7k.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 2 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 3 days late
2017
23-06
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
13 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, Antwerpen · 1 establishment unit since 2010
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.
Mechelsesteenweg 2712018 AntwerpenGround area
3,241 m²
Building footprint
2,607 m²
Parcel 11806F1354/00X009, Flanders. Linked by address, not a title deed.
1 establishment unit
CO-LIFE
since 20102.210.389.973
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1354/00X009 | Flanders | 3,241 m² | 1 · 2,607 m² | - |
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
CELTO
BE 0690.993.851
Sint-Gillis (bij-Brussel) · Eq €39k
SCHELDE SENIOR-INVEST III
BE 0817.212.132
Antwerpen · Eq €39k
Berlaimont 56
BE 0769.477.541
Gent · Eq €39k
WT PROJECTS
BE 0644.497.890
Leuven · Eq €38k
NSS CONSTRUCT
BE 1008.685.479
Overijse · Eq €40k
Of 1,292 companies in sector 68122 we hold annual accounts for 901. 439 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-09-2010
Fiscal year end31-12
Activities, NACEBEL
68122Development of non-residential building projects
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.