Dienstencheque-onderneming Livinus
ActiveSummary
Dienstencheque-onderneming Livinus has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €-13k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 80% of 300 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-5
Solvency98▲+5
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 3.72 against 3.09 in 2024; short-term debt: 26.9% and cash: 65% of total assets), and 26.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-13k
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
37 d early
2023
34 d early
2022
38 d early
2021
39 d early
2020
36 d early
2019
47 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
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-13k▼ 3.9%
2024 · €-12k
2018: €2k
2019: €16k
2020: €11k
2021: €4k
2022: €3k
2023: €-18k
2024: €-12k
2018 → 2025
Working capital
€96k▼ 11.8%
2024 · €109k
2018: €106k
2019: €122k
2020: €133k
2021: €137k
2022: €140k
2023: €121k
2024: €109k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€140k▲ 1.9%€121k▼ 13.2%€109k▼ 10.2%€96k▼ 11.8%
Operating result€4k-€3k▼ 35.6%€-18k€-12k▲ 33.8%€-13k▼ 7.8%
Net result€4k-€3k▼ 40.4%€-18k€-12k▲ 32.6%€-13k▼ 3.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €12k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €132k
Equity
€96k ▼ 11.8%
Debt
€35k ▼ 32.3%
Debt's share of the balance-sheet total falls from 32.4% to 26.9%. Equity and debt are lower.
Key figures and ratios
Current ratio
3.72▲
2024 · 3.09
Debt to equity
0.37▼
2024 · 0.48
ROE
-13.4%▼
2024 · -11.4%
ROA
-9.8%▼
2024 · -7.7%
Debt ≤ 1 year
€35k▼
2024 · €52k
Income taxes
€179▲
2024 · €10
Staff costs
€513k▲
2024 · €470k
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€161k€132k▼
Current assets29/58€161k€132k▼
Amounts receivable within one year40/41€44k€46k▲
Trade receivables40€44k€45k▲
Other amounts receivable41-€780
Current investments50/53€50k-
Cash at bank and in hand54/58€67k€86k▲
Equity and liabilities
Total equity and liabilities10/49€161k€132k▼
Equity10/15€109k€96k▼
Contributions10/11€56k€56k=
Capital10€56k€56k=
Reserves13€15k€15k=
Profit (loss) carried forward14€21k€8k▼
Investment grants15€17k€17k=
Amounts payable17/49€52k€35k▼
Amounts payable within one year42/48€52k€35k▼
Trade debts44€20k€149▼
Suppliers440/4€20k€149▼
Taxes, remuneration and social security45€32k€35k▲
Remuneration and social security454/9€32k€35k▲
Income statement
Code20242025
Remuneration, social security and pensions62€470k€513k▲
Gross operating margin9900€457k€500k▲
Operating profit (loss)9901€-12k€-13k▼
Financial income75/76B€36€597▲
Recurring financial income75€36€597▲
Financial charges65/66B€276€206▼
Recurring financial charges65€276€206▼
Profit (loss) for the period before taxes9903€-12k€-13k▼
Income taxes67/77€10€179▲
Profit (loss) for the period9904€-12k€-13k▼
Profit (loss) for the period to be appropriated9905€-12k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€8k▼
Profit (loss) brought forward from the previous period14P€33k€21k▼
Social balance
Average headcount (FTE)908712.311.7▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 20 days late
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-18k ▼814%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 47 days late
2019
31-12
Financial
Highest result since 2018net €16k ▲583%
Operating result €16k, net result €16k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 58 days late
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Sint-Lievens-Houtem · 1 establishment unit since 2006
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.
Marktplein 39520 Sint-Lievens-HoutemGround area
381 m²
Building footprint
500 m²
Volume, LiDAR
3,757 m³
Parcel 41063B0220/00K000, Flanders · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Plaatselijk Werkgelegenheidsagentschap van Sint-Lievens-Houtem vzw
since 20062.158.021.455
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41063B0220/00K000 | Flanders | 381 m² | 1 · 500 m² | 13.1 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 8 entries · 1,152,440 EUR awarded · 1,152,440 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 338,002 EUR | 338,002 EUR |
| 2024 | 2 | 307,495 EUR | 307,495 EUR |
| 2023 | 2 | 279,924 EUR | 279,924 EUR |
| 2022 | 2 | 227,019 EUR | 227,019 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Recognitions: source did not answer, try again later.
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Of 810 companies in sector 96910 we hold annual accounts for 618. 485 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 formNon-profit association
Founded19-04-1995
Fiscal year end31-12
Abbreviation NL
DCO Livinus
Activities, NACEBEL 2025
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.