Lipefi
ActiveSummary
Lipefi has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €677,685 and a net result of -€182,362. Its solvency ranks better than 91% of 21,148 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 20-07-2023 Normal situation
- Activity
- Computer consultancy and computer facilities management NACE 62200and 1 other
- Establishment unit
- 2.348.343.076 9250 Waasmunster, since 20-07-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 30-10-2026
Board and ownership
- SION Christophe Hubert GeorgetteDirector · since 20-07-2023
- Beheers- en Advieskantoor Van Vaerenbergh en CoDirector · since 14-02-2025 · permanent representative VAN VAERENBERGH Ivo
- Lipefi TechDirector · since 20-07-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- -€115,461
- ▼ 658%
- Loss
- €182,362
- ▲ 195%
- Equity
- €677,685
- Total assets
- €734,241
- ▲ 269%
Score breakdownraises riskLoss of €182,362, the second in a row (financial year 2025)lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 8.58, cash €472,575Size: total assets €734,241Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 62, micro). It does better than 85% of them on solvency, 96% on liquidity, 5% on profitability and 99% on growth.
The bankruptcy probability was computed on 01-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 38 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 12-06-2026 at the NBB all 2 filings
2024 to 2025, 2 financial years
The operating result for 2025 is a loss of €180,894, larger than the loss of €44,347 in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Intangible fixed assets | €129,379 | €178,456 |
| Depreciation and write-downs of the year | €28,229 | €48,013 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2023 to 2024 · 2 entries · €50,000 awarded · €50,000 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2024 | 1 | €0 | €25,000 |
| 2023 | 1 | €50,000 | €25,000 |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,229 | €48,013 | ▲ 70.1% |
| Other operating charges640/8 | €881 | €17,360 | ▲ 20× |
| Non-recurring operating charges66A | - | €60 | - |
| Gross operating margin9900 | -€15,237 | -€115,461 | ▼ 658% |
| Operating profit (loss)9901 | -€44,347 | -€180,894 | ▼ 308% |
| Financial income75/76B | €128 | €568 | ▲ 345% |
| Recurring financial income75 | €128 | €568 | ▲ 345% |
| Financial charges65/66B | €17,695 | €2,037 | ▼ 88.5% |
| Recurring financial charges65 | €17,695 | €2,037 | ▼ 88.5% |
| Profit (loss) for the period before taxes9903 | -€61,915 | -€182,362 | ▼ 195% |
| Profit (loss) for the period9904 | -€61,915 | -€182,362 | ▼ 195% |
| Profit (loss) for the period to be appropriated9905 | -€61,915 | -€182,362 | ▼ 195% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €198,736 | €734,241 | ▲ 269% |
| Formation expenses20 | €0 | €17,173 | - |
| Fixed assets21/28 | €103,503 | €237,612 | ▲ 130% |
| Intangible fixed assets21 | €103,503 | €237,612 | ▲ 130% |
| Current assets29/58 | €95,233 | €479,456 | ▲ 403% |
| Amounts receivable within one year40/41 | €14,083 | €4,889 | ▼ 65.3% |
| Trade receivables40 | €895 | €23 | ▼ 97.4% |
| Other amounts receivable41 | €13,188 | €4,866 | ▼ 63.1% |
| Cash at bank and in hand54/58 | €81,150 | €472,575 | ▲ 482% |
| Deferred charges and accrued income490/1 | - | €1,991 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €198,736 | €734,241 | ▲ 269% |
| Equity10/15 | -€56,915 | €677,685 | - |
| Contributions10/11 | €5,000 | €921,963 | ▲ 184× |
| Profit (loss) carried forward14 | -€61,915 | -€244,278 | ▼ 295% |
| Amounts payable17/49 | €255,651 | €56,556 | ▼ 77.9% |
| Amounts payable after more than one year17 | €253,601 | - | - |
| Financial debts170/4 | €253,601 | - | - |
| Amounts payable within one year42/48 | €2,050 | €55,870 | ▲ 27× |
| Financial debts43 | - | €29,318 | - |
| Credit institutions430/8 | - | €29,318 | - |
| Trade debts44 | €841 | €9,900 | ▲ 12× |
| Suppliers440/4 | €841 | €9,900 | ▲ 12× |
| Advances received on contracts in progress46 | €1,083 | - | - |
| Taxes, remuneration and social security45 | €125 | €16,651 | ▲ 133× |
| Taxes450/3 | €125 | €16,651 | ▲ 133× |
| Accrued charges and deferred income492/3 | - | €686 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€61,915 | -€182,362 | ▼ 195% |
| + Depreciation and write-downs630 | €28,229 | €48,013 | ▲ 70.1% |
| Operating cash flow (approximation) | -€33,686 | -€134,350 | ▼ 299% |
| Investment in fixed assets (approximation) | - | -€182,122 | - |
| Change in cash | - | €391,425 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 132 companies had the same profile as Lipefi has now. Two years later, 3.0% had gone bankrupt and 93.9% were still going.
- Small
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
The bankruptcy probability of Lipefi itself is lower: 0.1% within 12 months. It rests on far more data about Lipefi than the profile alone.
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 132 companies, not a prediction for Lipefi. 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.
Board & ownership
Directors
Board 3
Permanent representatives 1
Owners and capital
Shareholders
- SION Christophe Hubert Georgette founder
- Lipefi Tech (BE 0804.151.081) founder
Capital transactions
- 25-07-2023 Incorporation · €5,000
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| Lipefi Tech |
|
| SION Christophe Hubert Georgette |
|
| Beheers- en Advieskantoor Van Vaerenbergh en Co |
|
Articles of association
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Articles of association, deed of 25-07-2023 (in Dutch)
Network & group
Companies at the same address
2 other companiesConnections & network
8 connected companiesShow 4 more companies with a shared director
Timeline
Acts, filings and financial milestones
19-02
Gazette deed
Appointment: Beheers- en Advieskantoor Van Vaerenbergh en Co (director)Permanent representative: VAN VAERENBERGH Ivo · Capital contribution · Auditor report14 points ▸
- General meeting, 14-02-2025
- Capital contribution, €19,234
- Capital contribution, €103,052.76
- Capital contribution, €132,427.20
- Auditor report, “verhoging eigen vermogen door inbreng in natura van converteerbare leningsovereenkomsten”, EUR (deed in Dutch)
- Other provision, “vertegenwoordiger, vertegenwoordiging bedrijfsrevisorvennootschap” (deed in Dutch)
- Other provision, “in te brengen intresten”, 7442.21 (deed in Dutch)
- Capital contribution, €662,248.80
- Bank account, “voorafgaandelijke deponering inbreng in geld, bijzondere rekening op naam van de vennootschap” (deed in Dutch)
- Financial instrument, 33, “uitgifte” (deed in Dutch), mentioned 2 times in the deed
- Financial instrument, “Globaal Incentiveringsplan 2025”, 6976 (deed in Dutch)
- Amendment of the articles
- The act holds 2 more points.
25-07
Gazette deed
IncorporationStarting capital €5,000 · Appointments: SION Christophe Hubert Georgette (director) and Lipefi Tech (director) · Permanent representative: TARANOV Georgy · Pre-incorporation commitments9 points ▸
- Incorporation, “Lipefi” (deed in Dutch)
- Pre-incorporation commitments, “takeover, alle verbintenissen,verplichtingen en alle activiteiten ondernomen in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
- Founder, SION Christophe Hubert Georgette
- Founder, Lipefi Tech
- Bank account, “bijzondere rekening namens vennootschap in oprichting” (deed in Dutch)
- Director appointment, SION Christophe Hubert Georgette (director (not named in the articles))
- Director appointment, Lipefi Tech (director (not named in the articles))
- Permanent representative, TARANOV Georgy
- Founding capital, €5,000
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 42023B1096/00H000 | Flanders | 1,926 m² | 1 · 266 m² | 8.1 m · 1 |