L'ART DE VIVRE BIEN
ActiveSummary
The computed 12-month bankruptcy probability of L'ART DE VIVRE BIEN is 1.7% (moderate). The 2025 annual accounts show equity of €14k and a net result of €1k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 24% of 18280 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-1
Solvency27=
Growth78=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.65 against 0.81 in 2024; short-term debt: 33.6% and cash: 1.5% of total assets), and 98% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
2%
Return on assets
0.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 18280 sector peers (2025).
NBB · sector comparisonPosition among 18280 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
20 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, micro schema
Equity
€14k▲ 9.5%
2024 · €13k
2023: €12k
2024: €13k
2023 → 2025
Total assets
€731k▲ 7.0%
2024 · €683k
2023: €698k
2024: €683k
2023 → 2025
Net result
€1k▲ 6.8%
2024 · €1k
2023: €-8k
2024: €1k
2023 → 2025
Working capital
€-85k▼ 127%
2024 · €-37k
2023: €-16k
2024: €-37k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€12k-€13k▲ 9.7%€14k▲ 9.5%
Operating result€15k-€28k▲ 92.9%€30k▲ 7.2%
Net result€-8k-€1k€1k▲ 6.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €731k
Fixed assets
€571k ▲ 8.3%
Current assets
€161k ▲ 2.5%
Equity and liabilities €731k
Equity
€14k ▲ 9.5%
Debt
€717k ▲ 6.9%
Debt's share of the balance-sheet total stays at 98.0%.
Key figures and ratios
EBITDA
€41k▼
2024 · €42k
Cash flow
€12k▼
2024 · €15k
Current ratio
0.65▼
2024 · 0.81
Quick ratio
0.07▼
2024 · 0.09
Debt to equity
49.48▼
2024 · 50.65
ROE
8.7%▼
2024 · 8.9%
ROA
0.2%▼
2024 · 0.2%
Interest coverage
1.43▼
2024 · 1.54
Debt ≤ 1 year
€246k▲
2024 · €194k
Debt > 1 year
€471k▼
2024 · €476k
Income taxes
€271
Staff costs
€7k▲
2024 · €7k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€683k€731k▲
Fixed assets21/28€527k€571k▲
Tangible fixed assets22/27€527k€571k▲
Land and buildings22€527k€527k=
Furniture and vehicles24-€44k
Current assets29/58€157k€161k▲
Stocks and contracts in progress3€139k€143k▲
Stocks30/36€139k€143k▲
Amounts receivable within one year40/41€562€3k▲
Trade receivables40-€2k
Other amounts receivable41€562€750▲
Cash at bank and in hand54/58€16k€11k▼
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€683k€731k▲
Equity10/15€13k€14k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-7k€-6k▲
Amounts payable17/49€670k€717k▲
Amounts payable after more than one year17€476k€471k▼
Financial debts170/4€476k€471k▼
Amounts payable within one year42/48€194k€246k▲
Current portion of amounts payable after more than one year42€36k€47k▲
Financial debts43€25k€55k▲
Credit institutions430/8€25k€55k▲
Trade debts44€20k€15k▼
Suppliers440/4€20k€15k▼
Advances received on contracts in progress46€7k€7k▼
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€11k€7k▼
Remuneration and social security454/9€863€944▲
Other amounts payable47/48€94k€114k▲
Income statement
Code20242025
Remuneration, social security and pensions62€7k€7k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€11k▼
Other operating charges640/8€7k€8k▲
Gross operating margin9900€55k€56k▲
Operating profit (loss)9901€28k€30k▲
Financial income75/76B€53€2▼
Recurring financial income75€53€2▼
Financial charges65/66B€27k€29k▲
Recurring financial charges65€27k€29k▲
Profit (loss) for the period before taxes9903€1k€2k▲
Income taxes67/77-€271
Profit (loss) for the period9904€1k€1k▲
Profit (loss) for the period to be appropriated9905€1k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-6k▲
Profit (loss) brought forward from the previous period14P€-8k€-7k▲
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2023net €1k ▲6.8%
Operating result €30k, net result €1k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Koksijde · 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.
Albert I Laan(Odk) 868670 KoksijdeGround area
278 m²
Building footprint
250 m²
Volume, LiDAR
2,359 m³
Parcel 38502G0109/00_000, Flanders · tallest building 21.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
L'ART DE VIVRE BIEN
since 20222.330.233.572
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502G0109/00_000 | Flanders | 278 m² | 1 · 250 m² | 21.6 m · 1 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.
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RE SOLUTION
BE 1015.230.605
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CASABI
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Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 805 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 formPrivate limited company
Founded15-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47551Retail sale of household furniture
47559Retail sale of other household articles
47610Retail trade
47791Retail sale of antiques
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.