LIRUAM
ActiveLIRUAM has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €-15k. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 41% of 16424 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent▲ +26 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency86▼-13
Growth32=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 3.57 in 2024), and 47.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.5%
Return on assets
-23.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€15k
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
27 d early
2023
9 d early
2022
47 d early
2021
24 d early
2020
38 d early
2019
9 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▼ 46.8%
2024 · €66k
2018: €69k
2019: €87k
2020: €99k
2021: €106k
2022: €102k
2023: €97k
2024: €66k
2018 → 2025
Total assets
€66k▼ 38.4%
2024 · €108k
2018: €89k
2019: €100k
2020: €105k
2021: €109k
2022: €106k
2023: €150k
2024: €108k
2018 → 2025
Net result
€-15k▲ 14.8%
2024 · €-18k
2018: €13k
2019: €18k
2020: €12k
2021: €7k
2022: €-3k
2023: €2k
2024: €-18k
2018 → 2025
Working capital
€7k▼ 77.0%
2024 · €31k
2018: €68k
2019: €86k
2020: €98k
2021: €96k
2022: €93k
2023: €52k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€102k▼ 3.3%€97k▼ 5.8%€66k▼ 32.1%€35k▼ 46.8%
Operating result€8k-€-7k€3k€-17k€-14k▲ 20.4%
Net result€7k-€-3k€2k€-18k€-15k▲ 14.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €17k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€47k▼ 27.9%
Current assets
€20k▼ 54.1%
Equity and liabilities €66k
Equity
€35k▼ 46.8%
Debt
€32k▼ 25.6%
The debt ratio rises from 39.3% to 47.5%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€5k▲
2024 · €2k
Cash flow
€4k▲
2024 · €757
Solvency
52.5%▼
2024 · 60.7%
Current ratio
1.56▼
2024 · 3.57
Quick ratio
1.56▼
2024 · 3.57
Debt / equity
0.91▲
2024 · 0.65
ROE
-44.1%▼
2024 · -27.5%
ROA
-23.1%▼
2024 · -16.7%
Interest coverage
3.53▲
2024 · 0.85
Debt
€32k▼
2024 · €42k
Debt ≤ 1 year
€13k▲
2024 · €12k
Debt > 1 year
€19k▼
2024 · €30k
Income taxes
€239▼
2024 · €276
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€108k€66k▼
Fixed assets21/28€65k€47k▼
Tangible fixed assets22/27€65k€47k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€60k€43k▼
Current assets29/58€43k€20k▼
Amounts receivable after more than one year29€17k€16k▼
Other amounts receivable291€17k€16k▼
Amounts receivable within one year40/41€6k€3k▼
Other amounts receivable41€6k€3k▼
Cash at bank and in hand54/58€19k€145▼
Deferred charges and accrued income490/1€1k€789▼
Equity and liabilities
Total equity and liabilities10/49€108k€66k▼
Equity10/15€66k€35k▼
Contributions10/11€6k€6k=
Reserves13€59k€29k▼
Tax-exempt reserves132€3k€3k=
Distributable reserves133€57k€26k▼
Amounts payable17/49€42k€32k▼
Amounts payable after more than one year17€30k€19k▼
Financial debts170/4€30k€19k▼
Amounts payable within one year42/48€12k€13k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€778€695▼
Suppliers440/4€778€695▼
Taxes, remuneration and social security45€255€233▼
Taxes450/3€255€233▼
Other amounts payable47/48-€350
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▲
Other operating charges640/8€3k€143▼
Gross operating margin9900€4k€5k▲
Operating profit (loss)9901€-17k€-14k▲
Financial income75/76B€1k€24▼
Recurring financial income75€1k€24▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-18k€-15k▲
Income taxes67/77€276€239▼
Profit (loss) for the period9904€-18k€-15k▲
Profit (loss) for the period to be appropriated9905€-18k€-15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-15k▲
Transfer from equity791/2€31k€31k▼
Profit to be distributed694/7€13k€15k▲
Return on contributions (dividend)694€13k€15k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-18k ▼822%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 35.07
Current ratio from 15.72 to 35.07; short-term debt falls from €7k to €3k.
31-12
Financial
Equity above €100kEq €106k ▲7.4%
4 profitable years in a row build equity to €106k.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 15.72
Current ratio from 7.54 to 15.72; short-term debt falls from €13k to €7k.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €18k ▲38.5%
Operating result €20k, net result €18k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Geel · 1 establishment unit since 2006
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.
Heistraat 2c/62440 GeelGround area
1,176 m²
Building footprint
173 m²
Volume, LiDAR
1,028 m³
Parcel 13374F0597/00D002, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Thuisverpleegkundige Scavone Francesco
since 20062.212.781.915
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13374F0597/00D002 | Flanders | 1,176 m² | 1 · 173 m² | 9.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
INFICAT
BE 0883.630.210
Beyne-Heusay · Eq €35k
HEALING GRACE
BE 1017.245.037
Namur · Eq €35k
Lore Broothaers
BE 0791.873.059
Puurs-Sint-Amands · Eq €35k
EC-cura
BE 1009.468.607
Westerlo · Eq €35k
THUISVERPLEGING SOLANGE
BE 1004.801.125
Kortenberg · Eq €35k
Of 5,983 companies in sector 86940 we hold annual accounts for 1,807. 1,561 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2006
Fiscal year end31-12
Activities, NACEBEL
86940Nursing and midwifery
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.