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Complete company report
Generated 22-07-2026
Active BE 0781.846.031Private limited company

Liorem

Binnenslag 42 ·9920 Lievegem, Belgium· 4 yrs active
Sector: Financial services (64210)
Conclusion Checked

Liorem is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €81k and a net result of €70k. Equity is growing by ~86.3% per year across the filed fiscal years. Its solvency ranks better than 37% of 1204 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €81k
Net result €70k
Better than sector 37%
Active 4 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency50Growth78Stability94
64 / 100

Strong profile, led by profitability.

Health 0
Profitability 100
Solvency 50
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, 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
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview3 NBB filings
Annual accounts filed on 07-10-2025 with the NBB · fiscal year 2025 · micro
€0€50k€100k€150k€200kOperating result 2023: €22k€22kNet result 2023: €14k€14kOperating result 2024: €28k€28kNet result 2024: €18k€18kOperating result 2025: €194k€194kNet result 2025: €70k€70k202320242025
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 ~86.3%/year over 3 fiscal years, indicative, assuming unchanged policy.
€0€50k€100k€150k€200k2026: €112k (€106k - €119k)2027: €144k (€137k - €150k)2028: €175k (€168k - €181k)2023: €19k2024: €36k2025: €81k202320242025202620272028
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 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 30.7% 47.4%
better than 37% of 1204 sector peers
Net result €70k €44k
better than 66% of 1203 sector peers
Equity €81k €84k
better than 49% of 1204 sector peers
Gross operating margin €196k €70k
better than 86% of 1200 sector peers
Total assets €264k €211k
better than 58% of 1204 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€70k
+297.0% far above sector median
Total assets
€264k
+44.4% -26% vs sector
Equity
€81k
+123.9% -66% vs sector
Income taxes
€26k
+245.6% far above sector median
Dividends
€25k
- far above sector median
Debt
€183k
+24.8% far above sector median
Debt ≤ 1y
€126k
+76.0% far above sector median
Debt > 1y
€57k
-23.8% -37% vs sector
Solvency
30.7%
+55.0% -65% vs sector
ROE
86.2%
+77.3% far above sector median
ROA
26.5%
+174.9% far above sector median
Figures by fiscal year
Fiscal year2025
Revenuen/a
EBITDAn/a
Net profit€70k
Cash flown/a
Staff costs-
Income taxes€26k
Dividends€25k
Total assets€264k
Equity€81k
Debt€183k
of which ≤ 1y€126k
of which > 1y€57k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency30.7%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA26.5%
ROE86.2%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€264k
Fixed assets 21/28€126k
Tangible fixed assets 22/27€1k
Financial fixed assets 28€125k
Current assets 29/58€138k
Amounts receivable within one year 40/41€84k
Cash & bank 54/58€53k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€264k
Equity 10/15€81k
Contributions / capital 10/11€5k
Reserves 13€76k
Accumulated profits (losses) 14€0
Amounts payable 17/49€183k
Amounts payable after one year 17€57k
Amounts payable within one year 42/48€126k
Trade debts payable within one year 44€31k
Income statement
Gross operating margin 9900€196k
Operating result 9901€194k
Financial income 75€0
Financial charges 65€98k
Result before taxes 9903€96k
Income taxes 67/77€26k
Net result for the period 9904€70k
Result to be appropriated 9905€70k
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)
Incorporation10-02-2022
StatusActive
Postal code9920
Establishment units 1 location
Liorem
Binnenslag 42, 9920 LievegemHoldings
since 20222.328.548.346
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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44036A1283/00R000 Flanders 777 m² 1 · 189 m² 7.1 m · 1 fl.
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 6 events

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

2025
07-10-2025
NBB filing Annual accounts filed
fiscal year 2025 · micro
05-09-2025
State Gazette act Registered-office change
2024
17-09-2024
NBB filing Annual accounts filed
fiscal year 2024 · micro
05-09-2024
State Gazette act Registered-office change
2023
27-10-2023
NBB filing Annual accounts filed
fiscal year 2023 · micro
31-03-2023
State Gazette act Registered-office change
Belgisch Staatsblad, acts 3 acts
Address history · 3
05-09-2025
Registered-office move
05-09-2024
Registered-office move
31-03-2023
Registered-office move
All acts · 3 updated 10 months ago
2025
05-09-2025 Registered office moved from Gent to Lievegem Registered-office change
  • Maaltemeers 74 bus 101C, 9052 Gent → Binnenslag 42, 9920 Lievegem
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_administratif",
      "new_address": {
        "raw": "Binnenslag 42, 9920 Lievegem",
        "city": "Lievegem",
        "region": "vlaams_gewest",
        "street": "Binnenslag",
        "country": "BE",
        "postcode": "9920",
        "box_number": null,
        "street_number": "42",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Maaltemeers 74 bus 101C, 9052 Gent",
        "city": "Gent",
        "region": "vlaams_gewest",
        "street": "Maaltemeers",
        "country": "BE",
        "postcode": "9052",
        "box_number": "101C",
        "street_number": "74",
        "locality_suffix": null
      },
      "effective_date": "2025-06-30",
      "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": "statutaire",
      "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": "2025-09-05",
    "filing_date": "2025-08-28",
    "act_kind_objet": "Zetel (zetelverplaatsing)"
  },
  "decision": {
    "body": "raad_van_bestuur",
    "date": "2025-06-30",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0781.846.031",
    "name_full": "Liorem",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": "0882.371.584",
    "org_name": "NV TITECA ACCOUNTANCY",
    "person_name": "Mieke De Waele",
    "org_rep_person_name": "Mieke De Waele",
    "person_role_at_subject": "Aangestelde"
  },
  "co_filed_documents": []
}
2024
05-09-2024 Registered office moved from Gent to Zwijnaarde Registered-office change
  • Sint-Pietersnieuwstraat 74, 9000 Gent, België → Maaltemeers 74. bus 101C 9052 Zwijnaarde
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "combined",
      "new_address": {
        "raw": "Maaltemeers 74. bus 101C 9052 Zwijnaarde",
        "city": "Zwijnaarde",
        "region": "vlaams_gewest",
        "street": "Maaltemeers",
        "country": "BE",
        "postcode": "9052",
        "box_number": "101C",
        "street_number": "74",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Sint-Pietersnieuwstraat 74, 9000 Gent, Belgi\u00EB",
        "city": "Gent",
        "region": "vlaams_gewest",
        "street": "Sint-Pietersnieuwstraat",
        "country": "BE",
        "postcode": "9000",
        "box_number": null,
        "street_number": "74",
        "locality_suffix": null
      },
      "effective_date": "2024-08-01",
      "evidence_quote": "",
      "region_changed": false,
      "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": "beide",
      "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": "2024-09-05",
    "filing_date": "2024-08-27",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "enig_aandeelhouder_schriftelijk",
    "date": "2024-08-27",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0781.846.031",
    "name_full": "Ondernemingsrcchtbank Gent",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": []
}
2023
31-03-2023 Registered office moved within Gent Registered-office change
  • Burggravenlaan 45, 9000 Gent, België → Sint-Pietersnieuwstraat 74 9000 Gent
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "combined",
      "new_address": {
        "raw": "Sint-Pietersnieuwstraat 74\n9000 Gent",
        "city": "Gent",
        "region": "vlaams_gewest",
        "street": "Sint-Pietersnieuwstraat",
        "country": "BE",
        "postcode": "9000",
        "box_number": null,
        "street_number": "74",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Burggravenlaan 45, 9000 Gent, Belgi\u00EB",
        "city": "Gent",
        "region": "vlaams_gewest",
        "street": "Burggravenlaan",
        "country": "BE",
        "postcode": "9000",
        "box_number": null,
        "street_number": "45",
        "locality_suffix": null
      },
      "effective_date": "2023-03-20",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "beide",
      "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": "2023-03-31",
    "filing_date": "2023-03-20",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "enige_bestuurder",
    "date": "2023-03-20",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0781.846.031",
    "name_full": "Liorem",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameNL Liorem
Registered office
Binnenslag 42
9920 Lievegem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative