Active BE 0775.874.690Private limited company

Lichen

Kerkstraat 97 ·1082 Sint-Agatha-Berchem, Belgium· 4 yrs active

Sector: Financial services (64210)

Conclusion Checked

The computed 12-month bankruptcy probability of Lichen is 1.1% (low). The 2024 annual accounts show equity of €138k and a net result of €34k. Equity is growing by ~48.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 604 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€138k
Net result	€34k
Better than sector	80%
Active	4 yrs

Snowflake analysis 5 axes · computed by Checked

88 / 100

Exceptional profile — strong across almost every axis.

Health 93

Profitability 100

Solvency 100

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

1.1% Low

0%0,5%1,5%4%10%≥25%

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

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 3 signals

More than 3 years active

Founded in 2021 — past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2024 · computed

93 / 100 Excellent

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative — not credit advice.

Financial overview3 NBB filings

Annual accounts filed on 11-07-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts — not a forecast, the extended trend.

growing Equity: growth of ~48.1%/year over 3 fiscal years — indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil–Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 64 — Financial services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	79.2%	53.8%	better than 80% of 604 sector peers
Net result	€34k	€31k	better than 52% of 601 sector peers
Equity	€138k	€69k	better than 69% of 604 sector peers
Gross operating margin	€40k	€50k	better than 42% of 601 sector peers
Total assets	€174k	€177k	better than 49% of 605 sector peers

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

EBITDA

€39k

-54.7% 22–24

Net profit

€34k

-49.2% 22–24

Cash flow

€36k

-47.6% 22–24

Total assets

€174k

+15.9% 22–24

Equity

€138k

+32.4% 22–24

Working capital

€98k

+37.8% 22–24

Income taxes

€9k

-50.2% 22–24

Debt

€36k

-21.5% 22–24

Debt ≤ 1y

€36k

-21.5% 22–24

Current ratio

3.72

+45.9% 22–24

Quick ratio

3.72

+45.9% 22–24

Solvency

79.2%

+14.3% 22–24

Debt / equity

0.26

-40.7% 22–24

ROE

24.5%

-61.6% 22–24

ROA

19.4%

-56.1% 22–24

Interest coverage

90.73

-93.0% 22–24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Revenue	—
EBITDA	€39k
Net profit	€34k
Cash flow	€36k
Staff costs	—
Income taxes	€9k
Dividends	—
Total assets	€174k
Equity	€138k
Debt	€36k
of which ≤ 1y	€36k
of which > 1y	—
Working capital	€98k
Employees (FTE)	—

Ratios (computed)

	2024
Current ratio	3.72
Quick ratio	3.72
Working capital ratio	56.6%
Solvency	79.2%
Debt / equity	0.26
Long-term debt ratio	—
Interest coverage	90.73
Gross margin	—
Net margin	—
ROA	19.4%
ROE	24.5%
EBITDA margin	—
Days sales outstanding	—
Days payable outstanding	—
Inventory turnover	—
Days inventory (DSI)	—

Balance-sheet composition 2024

Assets

Fixed assets €39k · 22.5% Current assets €135k · 77.5%

Equity & liabilities

Equity €138k · 79.2% Debt €36k · 20.8%

Full annual accounts

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

Line item	Code	2024
Balance sheet — Assets
TOTAL ASSETS	20/58	€174k
Fixed assets	21/28	€39k
Tangible fixed assets	22/27	€39k
Current assets	29/58	€135k
Amounts receivable within one year	40/41	€119k
Cash & bank	54/58	€16k
Balance sheet — Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€174k
Equity	10/15	€138k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€136k
Amounts payable	17/49	€36k
Amounts payable within one year	42/48	€36k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€40k
Operating result	9901	€37k
Financial income	75	€6k
Financial charges	65	€429
Result before taxes	9903	€43k
Income taxes	67/77	€9k
Net result for the period	9904	€34k
Result to be appropriated	9905	€34k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Financial services(64210)
Legal form	Private limited company(610)
Incorporation	18-10-2021
Status	Active
Postal code	1082

Connections & network 1 connected companies

Group structure

REGENERATION

Subsidiary · 2 locations

→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Establishment units 1 location

Lichen

Kerkstraat 97, 1082 Sint-Agatha-BerchemManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.

since 20212.324.601.733

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.
21003A0142/00M003	Brussels	139 m²	—	—

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 5 events

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

2025

11-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

28-03-2025

State Gazette act Registered-office change

2024

17-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

25-07-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

01-06-2023

State Gazette act Registered-office change

Belgisch Staatsblad — acts 2 acts

Address history · 2

28-03-2025

Registered-office move

01-06-2023

Registered-office move

All acts · 2 updated 1 year ago

2025

28-03-2025 Registered office moved from Sint-Lambrechts-Woluwe to Sint Agatha Berchem Registered-office change

Tomberg 193 bus 7, 1200 Sint-Lambrechts-Woluwe → Kerkstraat 97, 1082 Sint Agatha Berchem

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Kerkstraat 97, 1082 Sint Agatha Berchem",
        "city": "Sint Agatha Berchem",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Kerkstraat",
        "country": "BE",
        "postcode": "1082",
        "box_number": null,
        "street_number": "97",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Tomberg 193 bus 7, 1200 Sint-Lambrechts-Woluwe",
        "city": "Sint-Lambrechts-Woluwe",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Tomberg",
        "country": "BE",
        "postcode": "1200",
        "box_number": "7",
        "street_number": "193",
        "locality_suffix": null
      },
      "effective_date": "2024-05-30",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": null,
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-03-28",
    "filing_date": "2025-03-21",
    "act_kind_objet": "Zetel (zetelverplaatsing)"
  },
  "decision": {
    "body": "bevoegde_bestuursorgaan",
    "date": "2024-05-30",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0775.874.690",
    "name_full": "Lichen",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": "0760.548.789",
    "org_name": "BV Balan\u0027z",
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": []
}

2023

01-06-2023 Registered office moved from Lievegem to Brussel Registered-office change

Beke 45, 9950 Lievegem → Tomberg 193 bus 7, 1200 Brussel

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_administratif",
      "new_address": {
        "raw": "Tomberg 193 bus 7, 1200 Brussel",
        "city": "Brussel",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Tomberg",
        "country": "BE",
        "postcode": "1200",
        "box_number": "7",
        "street_number": "193",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Beke 45, 9950 Lievegem",
        "city": "Lievegem",
        "region": "vlaams_gewest",
        "street": "Beke",
        "country": "BE",
        "postcode": "9950",
        "box_number": null,
        "street_number": "45",
        "locality_suffix": null
      },
      "effective_date": "2023-02-22",
      "evidence_quote": "",
      "region_changed": true,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": true,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2023-05-22",
    "act_kind_objet": "Zetel (zetelverplaatsing)"
  },
  "decision": {
    "body": "raad_van_bestuur",
    "date": "2023-02-14",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0775.874.690",
    "name_full": "Lichen",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "C\u00E9dric Vanhoeck",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [
    "de notulen van de bestuursvergadering dd. 14/02/2023"
  ]
}

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Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210

Primary activity highlighted.

Names & trade names

Legal nameNL

Lichen

Registered office

Kerkstraat 97

1082 Sint-Agatha-Berchem, Belgium

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

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