LIFE STYLE

Active

Private limited companyfounded 198145 yrs activePenitentienenstraat 13, 3000 Leuven, BelgiumKBO/BCE: BE 0421.314.748

LIFE STYLE has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.15M and a net result of €332k. Equity is growing by ~28% per year across the filed fiscal years. Its solvency ranks better than 68% of 435 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

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Checked score

Score 2025

87 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability94=

Solvency95▲+9

Growth78=

Track record100

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €100k at 30 days acceptable

Liquidity ample (current ratio 9.02 against 14.9 in 2024; short-term debt: 6% and cash: 1.3% of total assets), and 30% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 85

Relative position

BE, all sectors

reference

Sector 85

lower

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

70%

Return on assets

20.2%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

2 d early

2024

15 d early

2023

135 d late

2022

11 d late

2021

30 d late

2020

31 d late

2019

27 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€332k▲ 25.8%

2024 · €264k

2018: €91k 2019: €-125k 2020: €142k 2023: €199k 2024: €264k

2018 → 2025

Working capital

€792k▲ 33.0%

2024 · €596k

2018: €197k 2019: €1k 2020: €161k 2023: €347k 2024: €596k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20192020202320242025Trend

Equity€193k-€335k▲ 73.4%€548k▲ 63.5%€812k▲ 48.1%€1.15M▲ 41.8%

Operating result€-54k-€169k€220k▲ 29.7%€308k▲ 40.4%€437k▲ 41.6%

Net result€-125k-€142k€199k▲ 40.3%€264k▲ 32.4%€332k▲ 25.8%

Result per fiscal year

Operating resultNet result

The operating result has risen two years in a row; 2025 is 42% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.64M

45.8%

54.2%

Fixed assets €753k▲ 8.7%

Current assets €891k▲ 39.5%

Equity and liabilities €1.64M

70.0%

30.0%

Equity €1.15M▲ 41.8%

Debt €492k▼ 5.2%

The debt ratio falls from 39.0% to 30.0%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€578k▲

2024 · €440k

Cash flow

€473k▲

2024 · €395k

Solvency

70.0%▲

2024 · 61.0%

Current ratio

9.02▼

2024 · 14.90

Quick ratio

9.02▼

2024 · 14.89

Debt / equity

0.43▼

2024 · 0.64

ROE

28.8%▼

2024 · 32.5%

ROA

20.2%▲

2024 · 19.8%

Interest coverage

23.10▲

2024 · 21.12

Debt

€492k▼

2024 · €519k

Debt ≤ 1 year

€99k▲

2024 · €43k

Debt > 1 year

€394k▼

2024 · €477k

Income taxes

€81k▲

2024 · €24k

Staff costs

€343k▲

2024 · €342k

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€1.33M€1.64M▲

Fixed assets21/28€692k€753k▲

Tangible fixed assets22/27€692k€748k▲

Land and buildings22€477k€511k▲

Plant, machinery and equipment23€82k€76k▼

Furniture and vehicles24€130k€102k▼

Other tangible fixed assets26€4k€58k▲

Financial fixed assets28-€5k

Current assets29/58€639k€891k▲

Stocks and contracts in progress3€231€71▼

Stocks30/36€231€71▼

Amounts receivable within one year40/41€592k€869k▲

Trade receivables40€6k€0▼

Other amounts receivable41€586k€869k▲

Cash at bank and in hand54/58€47k€22k▼

Deferred charges and accrued income490/1-€1

Equity and liabilities

Total equity and liabilities10/49€1.33M€1.64M▲

Equity10/15€812k€1.15M▲

Contributions10/11€37k€37k=

Capital10€37k€37k=

Issued capital100€37k€37k=

Reserves13€490k€490k=

Non-distributable reserves130/1€4k€4k=

Legal reserve130€4k€4k=

Distributable reserves133€487k€487k=

Profit (loss) carried forward14€284k€624k▲

Amounts payable17/49€519k€492k▼

Amounts payable after more than one year17€477k€394k▼

Financial debts170/4€477k€394k▼

Amounts payable within one year42/48€43k€99k▲

Current portion of amounts payable after more than one year42€22k€85k▲

Trade debts44€11k€4k▼

Suppliers440/4€11k€4k▼

Taxes, remuneration and social security45€10k€7k▼

Taxes450/3€10k€7k▼

Other amounts payable47/48-€3k

Accrued charges and deferred income492/3€1-

Income statement Code20242025

Remuneration, social security and pensions62€342k€343k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€131k€141k▲

Other operating charges640/8€30k€29k▼

Gross operating margin9900€812k€950k▲

Operating profit (loss)9901€308k€437k▲

Financial income75/76B€0€743▲

Recurring financial income75€0€743▲

Non-recurring financial income76B-€743

Financial charges65/66B€21k€25k▲

Recurring financial charges65€21k€25k▲

Profit (loss) for the period before taxes9903€288k€412k▲

Income taxes67/77€24k€81k▲

Profit (loss) for the period9904€264k€332k▲

Profit (loss) for the period to be appropriated9905€264k€332k▲

Appropriation of the result

Profit (loss) to be appropriated9906€548k€624k▲

Profit (loss) brought forward from the previous period14P€284k€292k▲

Transfer to equity691/2€264k-

To other reserves6921€264k-

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 18Financial 8Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-07

NBB filing Annual accounts filed

fiscal year 2025 · full schema

2025

31-12

Financial Highest result since 2018net €332k ▲25.8%

Operating result €437k, net result €332k, both a record.

31-12

Financial Equity above €1MEq €1.15M ▲41.8%

4 profitable years in a row build equity to €1.15M.

16-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

13-12

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 135 days late

2023

31-12

Financial Liquidity times 11current ratio 29.90

Current ratio from 2.78 to 29.90; short-term debt falls from €91k to €12k.

31-12

Financial Equity above €500kEq €548k ▲63.5%

2 profitable years in a row build equity to €548k.

11-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 11 days late

2022

30-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 30 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema · 31 days late

2020

31-12

Financial Back to profitnet €142k

Net result €142k after one loss-making year.

31-12

Financial Liquidity triplescurrent ratio 2.78

Current ratio from 1.02 to 2.78.

31-12

Financial Equity above €200kEq €335k ▲73.4%

Equity rises from €193k to €335k.

27-08

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 27 days late

2019

31-12

Financial Weakest financial yearnet €-125k ▼237%

Net result drops to €-125k, the lowest in the series; recovery starts the following year.

09-08

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema · 9 days late

2018

17-07

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

03-08

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 3 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

Location & real-estate footprint

Registered office, Leuven · 1 establishment unit since 1981

establishment The establishment unit on the map

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.

Penitentienenstraat 133000 Leuven

Ground area

2,503 m²

Building footprint

1,329 m²

Volume, LiDAR

6,539 m³