Active BE 0795.445.233Private limited company

Ernest Living

Langestraat 170 ·1150 Sint-Pieters-Woluwe, Belgium· 3 yrs active

Sector: Real estate activities (68121)

Conclusion Checked

The computed 12-month bankruptcy probability of Ernest Living is 1.4% (low). The 2025 annual accounts show equity of €2.83M and a net result of €-309k. Its solvency ranks better than 77% of 205 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€2.83M
Net result	€-309k
Staff (FTE)	0.8
Better than sector	77%

Snowflake analysis 4 of 5 axes measured · computed by Checked

43 / 100

Fragile profile, watch profitability in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 25

Profitability 0

Solvency 67

Growth -

Stability 79

Bankruptcy probability (12 mo) Checked model v1 · free

1.4% Low

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate region +Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2025 · computed

25 / 100 Weak

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · volledig

Sector comparison

Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	71.7%	31.0%	better than 77% of 205 sector peers
Net result	€-309k	€9k	better than 9% of 204 sector peers
Equity	€2.83M	€503k	better than 72% of 205 sector peers
Gross operating margin	€-169k	€78k	better than 5% of 144 sector peers
Staff costs	€26k	€184k	higher than 20% of 39 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	volledig
Revenue	-
EBITDA	€-196k
Net profit	€-309k
Cash flow	€-237k
Staff costs	€26k
Income taxes	-
Dividends	-
Total assets	€3.95M
Equity	€2.83M
Debt	€1.12M
of which ≤ 1y	€147k
of which > 1y	€961k
Working capital	€-138k
Employees (FTE)	0.8

Ratios (computed)

	2025
Current ratio	0.07
Quick ratio	0.07
Working capital ratio	-3.5%
Solvency	71.7%
Debt / equity	0.39
Long-term debt ratio	0.34
Interest coverage	-4.21
Gross margin	-
Net margin	-
ROA	-7.8%
ROE	-10.9%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €3.94M · 99.8% Current assets €10k · 0.3%

Equity & liabilities

Equity €2.83M · 71.7% Debt €1.12M · 28.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€3.95M
Fixed assets	21/28	€3.94M
Tangible fixed assets	22/27	€2.07M
Financial fixed assets	28	€1.86M
Current assets	29/58	€10k
Amounts receivable within one year	40/41	€5k
Cash & bank	54/58	€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€3.95M
Equity	10/15	€2.83M
Contributions / capital	10/11	€3.30M
Accumulated profits (losses)	14	€-471k
Amounts payable	17/49	€1.12M
Amounts payable after one year	17	€961k
Amounts payable within one year	42/48	€147k
Trade debts payable within one year	44	€40k
Income statement
Gross operating margin	9900	€-169k
Operating result	9901	€-267k
Financial income	75	€5k
Financial charges	65	€47k
Result before taxes	9903	€-309k
Net result for the period	9904	€-309k
Result to be appropriated	9905	€-309k

Ratios computed by Checked.

Directors & mandates 4 directors

Current directors & mandates

Marc Brisack
Director
State Gazette act 24072768 (10-05-2024)

Current
19-12-2023 → present
Wody SRLLegal entity
Managing director
State Gazette act 24072768 (10-05-2024)

Current
19-12-2023 → present
2 events
- 10-05-2024 Appointed· Managing director
- 19-12-2023 Appointed· Director

Former directors (2)

Lione! Wauters
Delegé
State Gazette act 24072768 (10-05-2024)

Former
- → 10-05-2024
Lionel WAUTERS
Director
State Gazette act 24072768 (10-05-2024)

Former
- → 19-12-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Real estate activities(68121)
Legal form	Private limited company(610)
Incorporation	27-12-2022
Status	Active
Postal code	1150

Establishment units 1 location

Langestraat 170, 1150 Sint-Pieters-Woluwe

Ontwikkeling van residentiële bouwprojecten

since 20222.341.499.034

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21683D0029/00N005	Brussels	1,628 m²	1 · 419 m²	12.9 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

30-01-2026

NBB filing Annual accounts filed

fiscal year 2025 · volledig

2025

28-01-2025

NBB filing Annual accounts filed

fiscal year 2024 · volledig

2024

10-05-2024

State Gazette act Director changes

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

10-05-2024 5 directors appointed, 2 resigning Director changes

Marc Brisack, Bestuurder
WODY SRL, Bestuurder
FISCALYS, Bestuurder
Wody SRL, Gedelegeerd bestuurder
FISCALYS, Bestuurder
Lionel WAUTERS, Bestuurder
Lione! Wauters, Delegé

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Ontwikkeling van residentiële bouwprojecten41101Ontwikkeling van residentiële bouwprojecten68121Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Ontwikkeling van niet-residentiële bouwprojecten41102Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Ontwikkeling van niet-residentiële bouwprojecten68122Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Schatten en evalueren van onroerend goed voor een vast bedrag of op contractbasis68312Schatten en evalueren van onroerend goed voor een vast bedrag of op contractbasis68322

Primary activity highlighted.

Names & trade names

Legal nameFR

Ernest Living

Registered office

Langestraat 170 bus b005

1150 Sint-Pieters-Woluwe, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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