Equity
€29,325 from €345,153 in 2017
Equity fell by 92% in 8 years.
LIFE of SCI
Lifetime
11 annual accounts with figures on one time axisGross marginpeak €398,904 (2022)
€199,748▼ 25.4%
Resultpeak €298,483 (2022)
€143,865▼ 26.2%
Equitypeak €345,153 (2017)
€29,325▼ 58.4%
Debts
€492,071▲ 47.7%
Board1 name since 2021
1 directorDE MAEYER Joris Herman
Documentsfilings and deeds
09-06-202652 days before the deadline
2025micro format
Gross margin from €267,663 to €199,748Result from €194,819 to €143,865Dividend €185,000Equity from €70,460 to €29,325Debts from €333,246 to €492,071Cash from €243,330 to €383,525
Key points
from the 2025 annual accountsResult
€143,865 ▼ 26.2%
The result fell in 2025 from €194,819 to €143,865.
Turnover
≈ €340,000 estimated
The micro format states no turnover.
Debts
€492,071 94% of the balance sheet
Financial debts 1%Suppliers 4%Taxes and wages 6%Other 89%
Of this, €486,501 falls due within a year.
Filings
11 annual accounts since 2015
Two of the last ten came late. The 2019 accounts came latest: 61 days after the end of the period.
Position in the sector
5.6%
Lower solvency than 86% of companies in head offices and management consultancy. Sector median 55.5% · 39,312 companies.
Checked score
92
Excellent
Financially stronger than 35% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,544 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025highest value
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Equity €29,325 (5.6% of total assets)
lowers risk
Size: total assets €521,396
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 0.86, cash €383,525
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 14% of them on solvency, 33% on liquidity, 84% on profitability and 11% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 536 companies had the same profile as LIFE of SCI has now. Each dot stands for 2 companies, two years later.
95.9%
were still trading
3.4%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of LIFE of SCI itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 536 companies, not a prediction for LIFE of SCI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.86 (0.92 in 2024), below 1. Short-term debt is 93.3% and cash 73.6% of total assets. 94.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 39312 sector peers (2025).
NBB · sector comparisonPosition among 39312 sector peers
Solvency
better than 13%
← weakest
strongest →
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 days early
2024
30 days early
2023
1 day early
2022
26 days early
2021
12 days early
2020
31 days late
2019
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 4 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0563547828
Company renamed from DM&S CONSULTING to LIFE of SCI
Change of role: DE MAEYER Joris Herman, from manager to director · Director discharge: DE MAEYER Joris Herman · General meeting of 13-12-2023 · Gazette deed
Incorporation
published on 13-10-2014 · Gazette deed
First establishment
Nonnenstraat 23, Mechelen
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| LIFE of SCI Mechelen | €521,396 | €199,748 | 5.6% | - |
| ACD-PROJECTS Schoten | €491,688 | €219,833 | 52.1% | - |
| LRW MOTORS Olen | €560,436 | €223,595 | 59.5% | - |
| TSL TP CONSULT Antwerp | €516,285 | €201,588 | 88.5% | - |
| Consulting De Viking Antwerp | €497,276 | €171,460 | 2.1% | - |
| RDI Edegem | €547,062 | €228,512 | 57.8% | - |
| Peter Deckers Management Heist-op-den-Berg | €520,321 | €183,176 | 52.5% | - |
These companies have the same main activity as LIFE of SCI: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €492,000 and €560,000, founded between 2013 and 2015.
Official details
Source: KBO- Status
- Active since 19-09-2014Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.235.441.4122800 Mechelen, since 19-09-2014
- Financial year end
- 31 December
- Peppol
- Reachable since 07-10-2025
Annual accounts 2025
- Total assets
- €521,396▲ 29.2%
- Filing
- Filed on 09-06-2026, 52 days before the end of the filing period
Insights on LIFE of SCI
LIFE of SCI files the micro format. That format states no turnover. The gross margin rose from €185,764 in 2015 to €199,748 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LIFE of SCI
- What is the company number of LIFE of SCI?
- The company number of LIFE of SCI is 0563.547.828. The VAT number is the same number with BE in front: BE 0563.547.828.
- Where is LIFE of SCI based?
- The registered office is at Nonnenstraat 23, 2800 Mechelen.Company details
- What does LIFE of SCI do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of LIFE of SCI?
- LIFE of SCI is a private limited company (BV).
- When was LIFE of SCI founded?
- LIFE of SCI was founded on 19-09-2014.
- Is LIFE of SCI still active?
- Yes, LIFE of SCI is an active enterprise in the KBO register.
- What is the turnover of LIFE of SCI?
- The turnover in financial year 2025 is ≈ €340,000. This figure is estimated from the gross margin of €199,748 and 110 comparable companies (NACE 70200). It probably lies between €290,000 and €400,000.Financials
- Is LIFE of SCI profitable?
- In financial year 2025, LIFE of SCI made a profit of €143,865.
- Where can I find the annual accounts of LIFE of SCI?
- LIFE of SCI filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LIFE of SCI due?
- LIFE of SCI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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