Life & Co
ActiveSummary
Life & Co has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €193,294 and a net result of €89,185. Equity is growing by ~27.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency100▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17,000 at 30 days acceptable
Liquidity ample (current ratio 4.9 against 2.79 in 2023; short-term debt: 20.4% and cash: 31.8% of total assets), and 20.4% of the assets are financed with debt.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-06-2026, 32 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
32 d early
2024
13 d early
2023
71 d late
2022
19 d early
2021
12 d early
2020
12 d early
2019
15 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.
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. Usually files around 18 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
Equity
€193,294▲ 33.0%
2023 · €145,285
Total assets
€242,763▲ 7.6%
2023 · €225,566
Net result
€89,185▼ 13.4%
2023 · €102,945
Working capital
€192,485▲ 34.0%
2023 · €143,693
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€60,677▲ 2,915%€56,810▼ 6.4%€141,319▲ 149%€137,292▼ 2.9%€117,030▼ 14.8%
Net result€48,888above the sector's middle half▲ 845%€45,158above the sector's middle half▼ 7.6%€110,751above the sector's middle half▲ 145%€102,945above the sector's middle half▼ 7.0%€89,185above the sector's middle half▼ 13.4%
Equity€103,689within the sector's middle half▲ 89.2%€54,801within the sector's middle half▼ 47.1%€112,928within the sector's middle half▲ 106%€145,285within the sector's middle half▲ 28.7%€193,294above the sector's middle half▲ 33.0%
Total assets€114,600within the sector's middle half▲ 64.4%€126,184within the sector's middle half▲ 10.1%€180,098within the sector's middle half▲ 42.7%€225,566within the sector's middle half▲ 25.2%€242,763within the sector's middle half▲ 7.6%
Debt€10,911▼ 26.8%€71,383▲ 554%€67,170▼ 5.9%€80,281▲ 19.5%€49,469▼ 38.4%
Working capital€100,904within the sector's middle half▲ 91.1%€52,935within the sector's middle half▼ 47.5%€111,845above the sector's middle half▲ 111%€143,693above the sector's middle half▲ 28.5%€192,485above the sector's middle half▲ 34.0%
Solvency90.5%above the sector's middle half▲ 11.9pp43.4%within the sector's middle half▼ 47.0pp62.7%within the sector's middle half▲ 19.3pp64.4%within the sector's middle half▲ 1.7pp79.6%above the sector's middle half▲ 15.2pp
Current ratio10.25above the sector's middle half▲ 5.711.74within the sector's middle half▼ 8.512.67within the sector's middle half▲ 0.922.79within the sector's middle half▲ 0.124.90above the sector's middle half▲ 2.11
Return on assets (ROA)42.7%above the sector's middle half▲ 35.2pp35.8%above the sector's middle half▼ 6.9pp61.5%above the sector's middle half▲ 25.7pp45.6%above the sector's middle half▼ 15.9pp36.7%above the sector's middle half▼ 8.9pp
above
within
below
the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 15% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €242,763
Fixed assets
€866 ▼ 45.6%
Current assets
€241,896 ▲ 8.0%
Equity and liabilities €242,763
Equity
€193,294 ▲ 33.0%
Debt
€49,469 ▼ 38.4%
Debt's share of the balance-sheet total falls from 35.6% to 20.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€117,756▼
2023 · €138,005
Cash flow
€89,911▼
2023 · €103,658
Debt to equity
0.26▼
2023 · 0.55
ROE
46.1%▼
2023 · 70.9%
Interest coverage
270.54▼
2023 · 707.97
Debt ≤ 1 year
€49,411▼
2023 · €80,281
Income taxes
€31,376▼
2023 · €35,998
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €802 | €919 | €783 | €713 | €726 | ▲ 1.8% |
| Other operating charges640/8 | - | €449 | €512 | €109 | €511 | ▲ 369% |
| Gross operating margin9900 | €61,613 | €58,178 | €142,614 | €138,114 | €118,267 | ▼ 14.4% |
| Operating profit (loss)9901 | €60,677 | €56,810 | €141,319 | €137,292 | €117,030 | ▼ 14.8% |
| Financial income75/76B | - | €149 | €1,060 | €1,846 | €3,966 | ▲ 115% |
| Recurring financial income75 | €601 | €149 | €1,060 | €1,846 | €3,966 | ▲ 115% |
| Financial charges65/66B | - | €44 | €182 | €195 | €435 | ▲ 123% |
| Recurring financial charges65 | €126 | €44 | €182 | €195 | €435 | ▲ 123% |
| Profit (loss) for the period before taxes9903 | €61,152 | €56,916 | €142,198 | €138,943 | €120,561 | ▼ 13.2% |
| Income taxes67/77 | €12,264 | €11,758 | €31,447 | €35,998 | €31,376 | ▼ 12.8% |
| Profit (loss) for the period9904 | €48,888 | €45,158 | €110,751 | €102,945 | €89,185 | ▼ 13.4% |
| Profit (loss) for the period to be appropriated9905 | €48,888 | €45,158 | €110,751 | €102,945 | €89,185 | ▼ 13.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €114,600 | €126,184 | €180,098 | €225,566 | €242,763 | ▲ 7.6% |
| Fixed assets21/28 | €2,785 | €1,866 | €1,083 | €1,592 | €866 | ▼ 45.6% |
| Intangible fixed assets21 | €408 | €136 | €0 | - | - | - |
| Tangible fixed assets22/27 | €2,377 | €1,730 | €1,083 | €1,592 | €866 | ▼ 45.6% |
| Plant, machinery and equipment23 | - | - | - | €1,156 | €749 | ▼ 35.2% |
| Furniture and vehicles24 | - | €1,730 | €1,083 | €436 | €117 | ▼ 73.1% |
| Current assets29/58 | €111,815 | €124,318 | €179,016 | €223,974 | €241,896 | ▲ 8.0% |
| Amounts receivable after more than one year29 | - | €720 | €0 | - | - | - |
| Other amounts receivable291 | - | €720 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €896 | €16,089 | €11,882 | €21,752 | €43,399 | ▲ 99.5% |
| Trade receivables40 | - | €15,236 | €1,180 | €0 | - | - |
| Other amounts receivable41 | - | €853 | €10,702 | €21,752 | €43,399 | ▲ 99.5% |
| Current investments50/53 | €13,000 | €34,600 | €57,036 | €82,971 | €120,465 | ▲ 45.2% |
| Cash at bank and in hand54/58 | €87,587 | €72,909 | €110,098 | €119,251 | €77,303 | ▼ 35.2% |
| Deferred charges and accrued income490/1 | - | - | - | - | €729 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €114,600 | €126,184 | €180,098 | €225,566 | €242,763 | ▲ 7.6% |
| Equity10/15 | €103,689 | €54,801 | €112,928 | €145,285 | €193,294 | ▲ 33.0% |
| Contributions10/11 | - | €12,400 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €91,289 | €42,401 | €94,328 | €126,685 | €174,694 | ▲ 37.9% |
| Tax-exempt reserves132 | - | €133 | €133 | €133 | €133 | = |
| Distributable reserves133 | - | €42,268 | €94,195 | €126,552 | €174,561 | ▲ 37.9% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €10,911 | €71,383 | €67,170 | €80,281 | €49,469 | ▼ 38.4% |
| Amounts payable within one year42/48 | €10,911 | €71,383 | €67,170 | €80,281 | €49,411 | ▼ 38.5% |
| Trade debts44 | €4,370 | €3,143 | €6,900 | €1,248 | €6,859 | ▲ 450% |
| Suppliers440/4 | - | €3,143 | €6,900 | €1,248 | €6,859 | ▲ 450% |
| Taxes, remuneration and social security45 | - | €3,629 | €1,447 | €8,445 | €1,376 | ▼ 83.7% |
| Taxes450/3 | - | €3,629 | €1,447 | €2,445 | €1,376 | ▼ 43.7% |
| Remuneration and social security454/9 | - | - | - | €6,000 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €64,612 | €58,824 | €70,588 | €41,176 | ▼ 41.7% |
| Accrued charges and deferred income492/3 | - | - | - | - | €58 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,888 | €45,158 | €110,751 | €102,945 | €89,185 | ▼ 13.4% |
| + Depreciation and write-downs630 | €802 | €919 | €783 | €713 | €726 | ▲ 1.8% |
| Operating cash flow (approximation) | €49,690 | €46,077 | €111,534 | €103,658 | €89,911 | ▼ 13.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1,222 | €0 | ▲ 100% |
| Change in cash | - | -€14,678 | €37,188 | €9,153 | -€41,947 | ▼ 558% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150,000Eq €193,294 ▲33%
7 profitable years in a row build equity to €193,294.
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 71 days late
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €110,751 ▲145%
Operating result €141,319, net result €110,751, both a record.
31-12
Financial
Equity above €100,000Eq €112,928 ▲106%
5 profitable years in a row build equity to €112,928.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 10.25
Current ratio from 4.54 to 10.25; short-term debt falls from €14,908 to €10,911.
31-12
Financial
Equity above €100,000Eq €103,689 ▲89.2%
3 profitable years in a row build equity to €103,689.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €5,175 ▼86.1%
Net result drops to €5,175, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2017
Ground area
4,537 m²
Building footprint
2,946 m²
Parcel 11312A0002/00K007, Flanders. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
Life & Co
since 20172.266.627.605
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11312A0002/00K007 | Flanders | 4,537 m² | 1 · 2,946 m² | - |
Linked by address, not proof of ownership
Good to know
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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Company details
Identification
Legal formPrivate limited company
Founded24-07-2017
Fiscal year end31-12
Activities, NACEBEL 2025
73110Advertising agencies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0678822331
Also
9925:BE0678822331
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.