LEBENS
ActiveSummary
LEBENS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-20k) and a net result of €-24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▲+11
Solvency17▼-10
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.42 against 0.53 in 2024; short-term debt: 104.4% and cash: 2.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-7.9%
Return on assets
-9.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-20k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-05-2026, 61 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
61 d early
2024
59 d early
2023
48 d early
2022
43 d early
2021
32 d early
2020
52 d early
2019
31 d early
← 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-24k▲ 58.0%
2024 · €-57k
2018: €-7k
2019: €4k
2020: €17k
2021: €19k
2022: €4k
2023: €-51k
2024: €-57k
2018 → 2025
Working capital
€-150k▼ 32.4%
2024 · €-113k
2018: €11k
2019: €18k
2020: €33k
2021: €31k
2022: €18k
2023: €-23k
2024: €-113k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€112k▲ 3.4%€61k▼ 45.7%€4k▼ 93.4%€-20k
Operating result€27k-€12k▼ 55.3%€-42k€-45k▼ 7.4%€-12k▲ 74.1%
Net result€19k-€4k▼ 81.0%€-51k€-57k▼ 11.2%€-24k▲ 58.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €45k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€139k ▲ 3.3%
Current assets
€111k ▼ 12.5%
Key figures and ratios
EBITDA
€6k▲
2024 · €-31k
Cash flow
€-6k▲
2024 · €-42k
Solvency
-7.9%▼
2024 · 1.5%
Current ratio
0.42▼
2024 · 0.53
Quick ratio
0.14▼
2024 · 0.19
Debt to equity
-13.63▼
2024 · 63.97
ROA
-9.5%▲
2024 · -21.7%
Interest coverage
0.49▲
2024 · -2.20
Debt
€270k▲
2024 · €257k
Debt ≤ 1 year
€261k▲
2024 · €240k
Debt > 1 year
€4k▼
2024 · €12k
Income taxes
€318▼
2024 · €331
Staff costs
€37k▼
2024 · €67k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€261k€250k▼
Fixed assets21/28€135k€139k▲
Tangible fixed assets22/27€135k€139k▲
Land and buildings22€132k€137k▲
Plant, machinery and equipment23€3k€2k▼
Current assets29/58€126k€111k▼
Stocks and contracts in progress3€80k€73k▼
Stocks30/36€80k€73k▼
Amounts receivable within one year40/41€36k€30k▼
Trade receivables40€36k€30k▼
Cash at bank and in hand54/58€8k€7k▼
Deferred charges and accrued income490/1€2k€800▼
Equity and liabilities
Total equity and liabilities10/49€261k€250k▼
Equity10/15€4k€-20k▼
Contributions10/11€74k€74k=
Capital10€74k€74k=
Issued capital100€74k€74k=
Reserves13€17k€17k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€-87k€-111k▼
Amounts payable17/49€257k€270k▲
Amounts payable after more than one year17€12k€4k▼
Financial debts170/4€12k€4k▼
Amounts payable within one year42/48€240k€261k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43€165k€168k▲
Credit institutions430/8€165k€168k▲
Trade debts44€16k€37k▲
Suppliers440/4€16k€37k▲
Taxes, remuneration and social security45€19k€6k▼
Taxes450/3€3k€3k▼
Remuneration and social security454/9€16k€2k▼
Other amounts payable47/48€31k€41k▲
Accrued charges and deferred income492/3€5k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€67k€37k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€18k▲
Other operating charges640/8€9k€9k▲
Gross operating margin9900€46k€52k▲
Operating profit (loss)9901€-45k€-12k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€-56k€-23k▲
Income taxes67/77€331€318▼
Profit (loss) for the period9904€-57k€-24k▲
Profit (loss) for the period to be appropriated9905€-57k€-24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-87k€-111k▼
Profit (loss) brought forward from the previous period14P€-31k€-87k▼
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
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-57k
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €19k ▲16.9%
Operating result €27k, net result €19k, both a record.
31-12
Financial
Equity above €100kEq €108k ▲21.8%
3 profitable years in a row build equity to €108k.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Liège · 1 establishment unit since 1988
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.
Rue de Liège 944020 LiègeGround area
2,176 m²
Building footprint
177 m²
Volume, LiDAR
893 m³
Parcel 62059A0236/00A003, Wallonia · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Liège 94, 4020 Liège
since 19882.039.820.324
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62059A0236/00A003 | Wallonia | 2,176 m² | 1 · 177 m² | 6.5 m · 2 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
HUIS CAMPHYN
BE 0446.364.603
Machelen (Brab.) · Eq €4,008
Solid Surface Company
BE 0742.880.141
Brakel · Eq €4,104
FDL PRODUCTS
BE 0666.961.706
Charleroi · Eq €4,645
NIEUW HUIS VAN DER STUYF
BE 0451.535.295
Schoten · Eq €3,398
ACTING
BE 0426.839.491
La Hulpe · Eq €4,817
Of 471 companies in sector 46442 we hold annual accounts for 334. 56 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 formPublic limited company
Founded01-01-1988
Fiscal year end31-12
Activities, NACEBEL 2025
46442Wholesale trade
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.