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Complete company report
Generated 22-08-2026
Active BE 0805.471.667Non-profit association

HAPPY FOR LIFE

de Rivierendreef 114 ·1083 Ganshoren, Belgium· 2 yrs active
Sector: Overige activiteiten met betrekking tot kinderopvang (88919)
Conclusion Checked

The computed 12-month bankruptcy probability of HAPPY FOR LIFE is 0.2% (very low). The 2024 annual accounts show negative equity (€-7k) and a net result of €-7k. Its solvency ranks better than 5% of 187 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €-7k
Net result €-7k
Better than sector 5%
Active 2 yrs
Financial profile 4 of 5 axes measured · computed by Checked
Health20Profitability100Solvency33Growth-Stability67
55 / 100

Mixed profile: strong on profitability, weaker on health.

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

Health 20
Profitability 100
Solvency 33
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −Annual accounts: weaker financial profile +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
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 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 2024 · computed
20 / 100 Critical
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 29-12-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 88 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -1128.8% 34.7%
better than 5% of 187 sector peers
Net result €-7k €18k
better than 13% of 187 sector peers
Equity €-7k €34k
better than 12% of 187 sector peers
Gross operating margin €16k €170k
better than 12% of 186 sector peers
Staff costs €21k €170k
higher than 5% of 154 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA-
Net profit€-7k
Cash flow-
Staff costs€21k
Income taxes-
Dividends-
Total assets€598
Equity€-7k
Debt€7k
of which ≤ 1y€7k
of which > 1y-
Working capital€-7k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.08
Quick ratio0.08
Working capital ratio-1128.8%
Solvency-1128.8%
Debt / equity-1.09
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-1128.8%
ROE100.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts (15 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€598
Current assets 29/58€598
Cash & bank 54/58€598
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€598
Equity 10/15€-7k
Accumulated profits (losses) 14€-7k
Amounts payable 17/49€7k
Amounts payable within one year 42/48€7k
Trade debts payable within one year 44€1
Income statement
Gross operating margin 9900€16k
Operating result 9901€-6k
Financial charges 65€1k
Result before taxes 9903€-7k
Net result for the period 9904€-7k
Result to be appropriated 9905€-7k
Ratios computed by Checked.
Legal Structure
NACE primary Overige activiteiten met betrekking tot kinderopvang(88919)
Legal form Non-profit association(017)
Incorporation05-09-2023
StatusActive
Postal code1083
Establishment units 1 location
de Rivierendreef 114, 1083 Ganshoren
Overige activiteiten met betrekking tot kinderopvang
since 20242.356.292.425
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.
21008A0333/00L008 Brussels 184 m² 1 · 59 m² 10.0 m · 2 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 2 events

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

2025
29-12-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
20-11-2023
State Gazette act Director changes
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2023
20-11-2023 Board composition published Director changes
Technical details 
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  "events": [
    {
      "kind": "board_snapshot",
      "role": "raad_van_bestuur",
      "person": {
        "rrn": null,
        "name": "Julien Casimir",
        "address": "9 rond point Pannenhuis. 1090 Jette",
        "birth_date": null,
        "profession": "Pr\u00E9sident, para-scolaire, administration, subvention et comptabilit\u00E9",
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
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      "evidence_quote": "",
      "decharge_status": null,
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    },
    {
      "kind": "board_snapshot",
      "role": "raad_van_bestuur",
      "person": {
        "rrn": null,
        "name": "Fontagn\u00E8res Benjamin",
        "address": "36 Avenue de l\u0027ancien presbyt\u00E8re, 1083 Ganshoren",
        "birth_date": null,
        "profession": "\u00C9ducateur r\u00E9f\u00E9rent, self-d\u00E9fense, RH staff p\u00E9dagogique.",
        "birth_place": null
      },
      "reason": null,
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    },
    {
      "kind": "board_snapshot",
      "role": "raad_van_bestuur",
      "person": {
        "rrn": null,
        "name": "Heimst Christine",
        "address": "114 Dr\u00E8ve de rivieren, 1083 Ganshoren",
        "birth_date": null,
        "profession": "Team manager (\u00E9v\u00E8nement, sensibilisation), gestion journali\u00E8re.",
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
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    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brugelles",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-11-20",
    "filing_date": "2023-10-31",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-10-31",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0805.471.667",
    "name_full": "Happy for lifo",
    "legal_form": "ASBL",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Overige activiteiten met betrekking tot kinderopvang88919Integrale jeugdhulp zonder huisvesting88992Overige verenigingen, neg94999Overige persoonlijke diensten96999
Primary activity highlighted.
Names & trade names
Legal nameFR HAPPY FOR LIFE
Registered office
de Rivierendreef 114
1083 Ganshoren, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative