Ernest Living
ActiveErnest Living has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.83M and a net result of €-309k. Its solvency ranks better than 75% of 4504 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
22
/ 100
Critical▼ -33 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency67▼-33
Growth32
Stability94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.07 against 5.06 in 2024), and 28.3% of the assets are financed with debt.
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
71.7%
Return on assets
-7.8%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year -€309k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-309k▼ 89.7%
2024 · €-163k
2024: €-163k
2024 → 2025
Working capital
€-138k
2024 · €712k
2024: €712k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€3.14M-€2.83M▼ 9.8%
Operating result€-145k-€-267k▼ 84.8%
Net result€-163k-€-309k▼ 89.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €267k in 2025 against €145k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.95M
Fixed assets
€3.94M▲ 23.8%
Current assets
€10k▼ 98.9%
Equity and liabilities €3.95M
Equity
€2.83M▼ 9.8%
Debt
€1.12M▲ 20.4%
The debt ratio rises from 22.8% to 28.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-196k▼
2024 · €-48k
Cash flow
€-237k▼
2024 · €-66k
Solvency
71.7%▼
2024 · 77.2%
Current ratio
0.07▼
2024 · 5.06
Quick ratio
0.07▼
2024 · 5.06
Debt / equity
0.39▲
2024 · 0.30
ROE
-10.9%▼
2024 · -5.2%
ROA
-7.8%▼
2024 · -4.0%
Interest coverage
-4.21▼
2024 · -1.68
Debt
€1.12M▲
2024 · €927k
Debt ≤ 1 year
€147k▼
2024 · €175k
Debt > 1 year
€961k▲
2024 · €745k
Staff costs
€26k
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€4.06M€3.95M▼
Fixed assets21/28€3.18M€3.94M▲
Tangible fixed assets22/27€2.02M€2.07M▲
Land and buildings22€2.02M€2.07M▲
Furniture and vehicles24-€632
Financial fixed assets28€1.15M€1.86M▲
Current assets29/58€887k€10k▼
Amounts receivable within one year40/41€3k€5k▲
Trade receivables40-€3k
Other amounts receivable41€3k€1k▼
Current investments50/53€800k-
Cash at bank and in hand54/58€83k€5k▼
Deferred charges and accrued income490/1€388€743▲
Equity and liabilities
Total equity and liabilities10/49€4.06M€3.95M▼
Equity10/15€3.14M€2.83M▼
Contributions10/11€3.30M€3.30M=
Profit (loss) carried forward14€-163k€-471k▼
Amounts payable17/49€927k€1.12M▲
Amounts payable after more than one year17€745k€961k▲
Financial debts170/4€745k€961k▲
Amounts payable within one year42/48€175k€147k▼
Current portion of amounts payable after more than one year42€54k€57k▲
Trade debts44€97k€40k▼
Suppliers440/4€97k€40k▼
Taxes, remuneration and social security45€23k€19k▼
Taxes450/3€23k€17k▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€846€31k▲
Accrued charges and deferred income492/3€7k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€26k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€97k€71k▼
Other operating charges640/8€914€395▼
Gross operating margin9900€-47k€-169k▼
Operating profit (loss)9901€-145k€-267k▼
Financial income75/76B€10k€5k▼
Recurring financial income75€10k€5k▼
Financial charges65/66B€28k€47k▲
Recurring financial charges65€28k€47k▲
Profit (loss) for the period before taxes9903€-163k€-309k▼
Profit (loss) for the period9904€-163k€-309k▼
Profit (loss) for the period to be appropriated9905€-163k€-309k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-163k€-471k▼
Profit (loss) brought forward from the previous period14P-€-163k
Social balance
Average headcount (FTE)9087-0.8
The notes to these accounts (10 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
NBB filing
Directors · office · real estate
Directors
2 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-Pieters-Woluwe · 1 establishment unit since 2022
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.
Langestraat 1701150 Sint-Pieters-WoluweGround area
1,628 m²
Building footprint
419 m²
Volume, LiDAR
2,639 m³
Parcel 21683D0029/00N005, Brussels · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Langestraat 170, 1150 Sint-Pieters-Woluwe
since 20222.341.499.034
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0029/00N005 | Brussels | 1,628 m² | 1 · 419 m² | 12.9 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.
Similar companies · same sector, comparable size
Immobilien en Management Consulting
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De Rybel Invest
BE 0778.801.914
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HIPPODROME PROJECTS
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RETAIL PROPERTY DEVELOPMENT
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Of 9,633 companies in sector 68121 we hold annual accounts for 7,328. 2,516 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2022
Fiscal year end30-06
Activities, NACEBEL
68121Development of residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
68122Development of non-residential building projects
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.