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Easyliving Wonen

Active
Private limited companyfounded 20197 yrs activeVrijheidslaan 15, 9000 Gent, BelgiumKBO/BCE: BE 0732.850.737
Summary

The computed 12-month bankruptcy probability of Easyliving Wonen is 1.8% (moderate). The 2025 annual accounts show equity of €57,871 and a net result of -€1,140. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 8982 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€218,941total assets 2025
Equity
€57,871
Loss
-€1,140
Turnover not published (abridged schema)
Financial health
53 Fair Checked score 2025
Bankruptcy chance 12 m
1.8%
Structure
Accounts filed 20 d late0 of 1 deed read
Why 53- Sector Construction of residential and non-residential buildings (NACE 41)- Latest accounts 20 days late; 1 of the last 3 late- Founded in 2019+ Liquidity: current ratio 1.35, cash €44,558Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 28% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency 51-3
equity 26.4% of total assets
Liquidity 36-24
short-term debt 73.6% · cash 20.4%
Profitability 18-31
return on assets -0.5%
Bankruptcy probability, 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,211 companies)
Last 24 months 11-2024: 3.6% 12-2024: 3.5%▼ -2.5% vs 11-2024 01-2025: 3.4%▼ -1.9% vs 12-2024 02-2025: 3.4%▲ +0.3% vs 01-2025 03-2025: 3.4%▼ -0.2% vs 02-2025 04-2025: 3.4%▲ +1.1% vs 03-2025 05-2025: 3.5%▲ +0.7% vs 04-2025 06-2025: 3.4%▼ -0.5% vs 05-2025 07-2025: 3.4%▼ -0.3% vs 06-2025 08-2025: 4.1%▲ +17.9% vs 07-2025 09-2025: 4.4%▲ +8.3% vs 08-2025highest value 10-2025: 2.1%▼ -52.8% vs 09-2025 11-2025: 1.8%▼ -15.1% vs 10-2025 12-2025: 1.8%● 0.0% vs 11-2025 01-2026: 1.7%▼ -4.1% vs 12-2025 02-2026: 1.7%● 0.0% vs 01-2026 03-2026: 1.7%▼ -1.3% vs 02-2026 04-2026: 1.7%▲ +1.3% vs 03-2026 05-2026: 1.7%▲ +0.5% vs 04-2026 06-2026: 1.7%▼ -2.1% vs 05-2026 07-2026: 1.6%▼ -1.8% vs 06-2026lowest value 08-2026: 2.4%▲ +49.3% vs 07-2026 09-2026: 1.8%▼ -26.4% vs 08-2026 10-2026: 1.8%● 0.0% vs 09-2026
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Latest accounts 20 days late; 1 of the last 3 late raises the probability
  • Liquidity: current ratio 1.35, cash €44,558 lowers the probability
  • Founded in 2019 raises the probability for this profile
Credit up to €3,000 at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.41 in 2024; short-term debt: 73.6% and cash: 20.4% of total assets), and 73.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 33%, liquidity 31%, profitability 16%, growth against the median 32%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Latest accounts 20 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Liquidity: current ratio 1.35, cash €44,558
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Founded in 2019
In the bankruptcy model this factor raises the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filings
Deviation from the deadline
2025
20 d late
2024
28 d late
2023
61 d late
2022
32 d late
2021
78 d late
2020
40 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 43 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

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. Usually files around 1 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€1,140
  3. Annual accounts filedfiscal year 2024 · micro…

Financials · fiscal year 2025, micro schema

Equity
€57,871▼ 1.9%
2024 · €59,011
Total assets
€218,941▲ 7.3%
2024 · €204,055
Net result
-€1,140
2024 · €9,191
Working capital
€56,204▼ 4.4%
2024 · €58,807
Trend over the years

2021 to 2025, 5 fiscal years 2020 to 2025, 6 fiscal years

The operating result turns negative in 2025: a loss of €1,495 after €10,576 in 2024, the lowest result in the available series.

What the company sold each fiscal year and what was left of it. A loss stands below the zero line.

Operating result-€1,495 2025 Net result-€1,140 2025

Point at or tap a year, or use the arrow keys on the chart, for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line202020212022202320242025
Operating result€8,363-€28,667▲ 243%€11,318▼ 60.5%€2,548▼ 77.5%€10,576▲ 315%-€1,495
Net result€5,591within the sector's middle half-€7,691within the sector's middle half▲ 37.6%€18,536within the sector's middle half▲ 141%€6,003within the sector's middle half▼ 67.6%€9,191within the sector's middle half▲ 53.1%-€1,140below the sector's middle half
Equity€17,591within the sector's middle half-€25,282within the sector's middle half▲ 43.7%€43,818within the sector's middle half▲ 73.3%€49,820within the sector's middle half▲ 13.7%€59,011within the sector's middle half▲ 18.4%€57,871within the sector's middle half▼ 1.9%
Total assets€183,185within the sector's middle half-€172,820within the sector's middle half▼ 5.7%€299,895within the sector's middle half▲ 73.5%€297,296above the sector's middle half▼ 0.9%€204,055within the sector's middle half▼ 31.4%€218,941within the sector's middle half▲ 7.3%
Debt€165,594-€147,538▼ 10.9%€256,077▲ 73.6%€247,476▼ 3.4%€145,044▼ 41.4%€161,070▲ 11.0%
Working capital€47,591within the sector's middle half-€55,282within the sector's middle half▲ 16.2%€73,614within the sector's middle half▲ 33.2%€49,616within the sector's middle half▼ 32.6%€58,807within the sector's middle half▲ 18.5%€56,204within the sector's middle half▼ 4.4%
Solvency9.6%below the sector's middle half-14.6%below the sector's middle half▲ 5.0pp14.6%below the sector's middle half=16.8%below the sector's middle half▲ 2.1pp28.9%within the sector's middle half▲ 12.2pp26.4%within the sector's middle half▼ 2.5pp
Current ratio1.35within the sector's middle half-1.47within the sector's middle half▲ 0.121.33within the sector's middle half▼ 0.141.20within the sector's middle half▼ 0.131.41within the sector's middle half▲ 0.201.35within the sector's middle half▼ 0.06
Return on assets (ROA)3.1%within the sector's middle half-4.5%within the sector's middle half▲ 1.4pp6.2%within the sector's middle half▲ 1.7pp2.0%within the sector's middle half▼ 4.2pp4.5%within the sector's middle half▲ 2.5pp-0.5%below the sector's middle half▼ 5.0pp
above within below the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €218,941
Fixed assets €1,666 ▲ 717%
Current assets €217,274 ▲ 6.6%
Equity and liabilities €218,941
Equity €57,871 ▼ 1.9%
Debt €161,070 ▲ 11.0%
Debt's share of the balance-sheet total rises from 71.1% to 73.6%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€1,186
Cash flow
-€832
Debt to equity
2.78▲
2024 · 2.46
ROE
-2.0%▼
2024 · 15.6%
Interest coverage
-23.82
Debt ≤ 1 year
€161,070▲
2024 · €145,044
Income taxes
€0▼
2024 · €3,443
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,548 companies that looked in July 2024 the way this one looks now, 4.3% went bankrupt within 24 months and 91% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 10 to 30%
  • a small loss
4.3% went bankrupt
3.9% stopped otherwise
91% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,548 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet Code20242025
Assets
Total assets20/58€204,055€218,941▲
Fixed assets21/28€204€1,666▲
Tangible fixed assets22/27-€1,462
Furniture and vehicles24-€1,462
Financial fixed assets28€204€204=
Current assets29/58€203,851€217,274▲
Amounts receivable within one year40/41€124,366€170,281▲
Trade receivables40€121,628€162,737▲
Other amounts receivable41€2,738€7,544▲
Cash at bank and in hand54/58€78,045€44,558▼
Deferred charges and accrued income490/1€1,440€2,436▲
Equity and liabilities
Total equity and liabilities10/49€204,055€218,941▲
Equity10/15€59,011€57,871▼
Contributions10/11€12,000€12,000=
Profit (loss) carried forward14€47,011€45,871▼
Amounts payable17/49€145,044€161,070▲
Amounts payable within one year42/48€145,044€161,070▲
Trade debts44€128,410€144,347▲
Suppliers440/4€128,410€144,347▲
Taxes, remuneration and social security45€15,452€15,252▼
Taxes450/3€15,452€15,252▼
Other amounts payable47/48€1,183€1,472▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€308
Other operating charges640/8€1,070€626▼
Gross operating margin9900€11,646-€560▼
Operating profit (loss)9901€10,576-€1,495▼
Financial income75/76B€2,973€404▼
Recurring financial income75€2,973€404▼
Financial charges65/66B€916€50▼
Recurring financial charges65€916€50▼
Profit (loss) for the period before taxes9903€12,633-€1,140▼
Income taxes67/77€3,443€0▼
Profit (loss) for the period9904€9,191-€1,140▼
Profit (loss) for the period to be appropriated9905€9,191-€1,140▼
Appropriation of the result
Profit (loss) to be appropriated9906€47,011€45,871▼
Profit (loss) brought forward from the previous period14P€37,820€47,011▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202020212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-----€308-
Other operating charges640/8-€468€845€516€1,070€626▼ 41.5%
Gross operating margin9900€9,094€29,135€12,164€3,064€11,646-€560▼ 105%
Operating profit (loss)9901€8,363€28,667€11,318€2,548€10,576-€1,495▼ 114%
Financial income75/76B-€1,440€12,953€6,362€2,973€404▼ 86.4%
Recurring financial income75€38€1,440€12,953€6,362€2,973€404▼ 86.4%
Financial charges65/66B-€20,493€1,107€1,277€916€50▼ 94.6%
Recurring financial charges65€461€20,493€1,107€1,277€916€50▼ 94.6%
Profit (loss) for the period before taxes9903€7,940€9,614€23,164€7,632€12,633-€1,140▼ 109%
Income taxes67/77€2,349€1,923€4,628€1,629€3,443€0▼ 100%
Profit (loss) for the period9904€5,591€7,691€18,536€6,003€9,191-€1,140▼ 112%
Profit (loss) for the period to be appropriated9905€5,591€7,691€18,536€6,003€9,191-€1,140▼ 112%
Line202020212022202320242025Change
Assets
Total assets20/58€183,185€172,820€299,895€297,296€204,055€218,941▲ 7.3%
Fixed assets21/28--€204€204€204€1,666▲ 717%
Tangible fixed assets22/27-----€1,462-
Furniture and vehicles24-----€1,462-
Financial fixed assets28--€204€204€204€204=
Current assets29/58€183,185€172,820€299,691€297,092€203,851€217,274▲ 6.6%
Amounts receivable within one year40/41€124,613€102,963€267,152€220,665€124,366€170,281▲ 36.9%
Trade receivables40-€98,496€257,953€215,029€121,628€162,737▲ 33.8%
Other amounts receivable41-€4,467€9,199€5,636€2,738€7,544▲ 176%
Cash at bank and in hand54/58€57,016€68,300€32,034€76,216€78,045€44,558▼ 42.9%
Deferred charges and accrued income490/1-€1,557€505€212€1,440€2,436▲ 69.1%
Equity and liabilities
Total equity and liabilities10/49€183,185€172,820€299,895€297,296€204,055€218,941▲ 7.3%
Equity10/15€17,591€25,282€43,818€49,820€59,011€57,871▼ 1.9%
Contributions10/11-€12,000€12,000€12,000€12,000€12,000=
Profit (loss) carried forward14€5,591€13,282€31,818€37,820€47,011€45,871▼ 2.4%
Amounts payable17/49€165,594€147,538€256,077€247,476€145,044€161,070▲ 11.0%
Amounts payable after more than one year17€30,000€30,000€30,000€0---
Financial debts170/4-€30,000€30,000€0---
Amounts payable within one year42/48€135,594€117,538€226,077€247,476€145,044€161,070▲ 11.0%
Trade debts44€126,765€111,037€195,228€231,019€128,410€144,347▲ 12.4%
Suppliers440/4-€111,037€195,228€231,019€128,410€144,347▲ 12.4%
Taxes, remuneration and social security45-€4,271€28,510€15,939€15,452€15,252▼ 1.3%
Taxes450/3-€4,271€28,510€15,939€15,452€15,252▼ 1.3%
Other amounts payable47/48-€2,230€2,339€518€1,183€1,472▲ 24.5%
Line202020212022202320242025Change
Profit (loss) for the period9904€5,591€7,691€18,536€6,003€9,191-€1,140▼ 112%
+ Depreciation and write-downs630-----€308-
Operating cash flow (approximation)€5,591€7,691€18,536€6,003€9,191-€832▼ 109%
Investment in fixed assets (approximation)---€0€0-€1,771-
Change in cash-€11,284-€36,265€44,182€1,829-€33,487▼ 1,931%

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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Similar companies · same sector, comparable size

Of 29,785 companies in this sector we hold annual accounts for 16,382. 13,474 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the function holders in the CBE →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 26 August 2019, Easyliving Wonen was incorporated as a Private limited company.1 Total assets went from €183,185 in 2020 to €218,941 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2020 and 2025

Acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
20-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial Weakest financial yearnet -€1,140
Net result drops to -€1,140, the lowest in the series.
28-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
01-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial Highest result since 2020net €18,536 ▲141%
Net result €18,536, the highest in the series.
17-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
09-09
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 40 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Register details

Identification
Legal formPrivate limited company
Founded26-08-2019
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID 0208:0732850737
Also 9925:BE0732850737
Registered 05-10-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 4 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Sites & property

Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2019
seat establishment The establishment unit on the map
Ground area
132 m²
Building footprint
100 m²
Volume, LiDAR
875 m³
Parcel 44808H0130/00T003, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Easyliving Wonen
Vrijheidslaan 15, 9000 GentGeneral construction of buildings
since 2019unit no. 2.294.497.287
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44808H0130/00T003 Flanders 131 m² 1 · 100 m² 14.1 m · 4 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.