LIFE BOUW
ActiveLIFE BOUW has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €807k and a net result of €62k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 2167 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-6
Solvency99▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 4.47 against 3.98 in 2024; short-term debt: 21.5% and cash: 29.2% of total assets), and 26% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
74%
Return on assets
5.7%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
29 d late
2023
58 d late
2022
60 d late
2021
59 d late
2020
30 d late
2019
11 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€807k▼ 4.2%
2024 · €842k
2018: €345k
2019: €356k
2020: €442k
2021: €549k
2022: €717k
2023: €715k
2024: €842k
2018 → 2025
Total assets
€1.09M▼ 3.2%
2024 · €1.13M
2018: €567k
2019: €527k
2020: €605k
2021: €883k
2022: €1.32M
2023: €965k
2024: €1.13M
2018 → 2025
Net result
€62k▼ 48.7%
2024 · €122k
2018: €75k
2019: €11k
2020: €87k
2021: €107k
2022: €170k
2023: €72k
2024: €122k
2018 → 2025
Working capital
€816k▲ 1.0%
2024 · €808k
2018: €310k
2019: €353k
2020: €432k
2021: €486k
2022: €690k
2023: €687k
2024: €808k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€549k-€717k▲ 30.6%€715k▼ 0.4%€842k▲ 17.9%€807k▼ 4.2%
Operating result€149k-€250k▲ 67.8%€102k▼ 59.3%€179k▲ 75.6%€87k▼ 51.4%
Net result€107k-€170k▲ 58.9%€72k▼ 57.5%€122k▲ 69.0%€62k▼ 48.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€40k▼ 16.8%
Current assets
€1.05M▼ 2.6%
Equity and liabilities €1.09M
Equity
€807k▼ 4.2%
Debt
€284k▼ 0.4%
The debt ratio rises from 25.3% to 26.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€113k▼
2024 · €199k
Cash flow
€88k▼
2024 · €142k
Solvency
74.0%▼
2024 · 74.7%
Current ratio
4.47▲
2024 · 3.98
Quick ratio
3.24▼
2024 · 3.98
Debt / equity
0.35▲
2024 · 0.34
ROE
7.7%▼
2024 · 14.4%
ROA
5.7%▼
2024 · 10.8%
Interest coverage
60.99▼
2024 · 63.31
Debt
€284k▼
2024 · €285k
Debt ≤ 1 year
€235k▼
2024 · €271k
Debt > 1 year
€1k▼
2024 · €14k
Income taxes
€25k▼
2024 · €54k
Staff costs
€0▼
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.13M€1.09M▼
Fixed assets21/28€48k€40k▼
Tangible fixed assets22/27€48k€40k▼
Plant, machinery and equipment23€34k€16k▼
Furniture and vehicles24€14k€24k▲
Current assets29/58€1.08M€1.05M▼
Stocks and contracts in progress3€0€290k▲
Stocks30/36€0€290k▲
Amounts receivable within one year40/41€482k€442k▼
Trade receivables40€118k€64k▼
Other amounts receivable41€364k€378k▲
Cash at bank and in hand54/58€597k€319k▼
Deferred charges and accrued income490/1€147€0▼
Equity and liabilities
Total equity and liabilities10/49€1.13M€1.09M▼
Equity10/15€842k€807k▼
Contributions10/11€19k€19k=
Reserves13€824k€788k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€824k€788k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€285k€284k▼
Amounts payable after more than one year17€14k€1k▼
Financial debts170/4€14k€1k▼
Amounts payable within one year42/48€271k€235k▼
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€101k€21k▼
Suppliers440/4€101k€21k▼
Taxes, remuneration and social security45€119k€76k▼
Taxes450/3€119k€76k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€39k€125k▲
Accrued charges and deferred income492/3€88€48k▲
Income statement
Code20242025
Remuneration, social security and pensions62€9k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€26k▲
Other operating charges640/8€7k€1k▼
Gross operating margin9900€214k€114k▼
Operating profit (loss)9901€179k€87k▼
Financial income75/76B€109€3k▲
Recurring financial income75€109€3k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€176k€88k▼
Income taxes67/77€54k€25k▼
Profit (loss) for the period9904€122k€62k▼
Profit (loss) for the period to be appropriated9905€122k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€122k€62k▼
Transfer from equity791/2€0€98k▲
Transfer to equity691/2€122k€62k▼
To other reserves6921€122k€62k▼
Profit to be distributed694/7€0€98k▲
Return on contributions (dividend)694€0€98k▲
Social balance
Average headcount (FTE)90870.20.0▼
The notes to these accounts (15 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 58 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-12
Financial
Highest result since 2018net €170k ▲58.9%
Operating result €250k, net result €170k, both a record.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Equity above €500kEq €549k ▲24.1%
4 profitable years in a row build equity to €549k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €11k ▼85%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Laakdal · 1 establishment unit since 2006
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.
Lakstraat 772431 LaakdalGround area
1,414 m²
Building footprint
169 m²
Volume, LiDAR
876 m³
Parcel 13042B0642/00V002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Life Bouw
since 20062.153.049.612
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13042B0642/00V002 | Flanders | 1,414 m² | 1 · 169 m² | 8.4 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.
Recognitions · licences · registrations
Dual-learning approval
1 endedSimilar companies · same sector, comparable size
AAS CHASSIS
BE 0841.962.473
Vorst · Eq €807k
VANHEE PROJEKT
BE 0878.956.590
Jabbeke · Eq €807k
ENTREPRISE DE TOITURE D.I.M.
BE 0422.764.305
Elsene · Eq €807k
PLACIDO CONSTRUCT
BE 0500.506.934
Zaventem · Eq €807k
Bouwonderneming Willy Tack
BE 0407.568.561
Kortrijk · Eq €808k
Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 7,292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2006
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
41003General construction of other non-residential buildings
45212
45213
68110Buying and selling of own real estate
68310Real estate agency activities
68311Real estate activities
70120
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.