Result
-€204,638 -€204,638
From profit to loss in 2025, after a profit of €42,509 in 2024.
LIV-IT
Lifetime
14 annual accounts with figures on one time axispeak €148,332 (2018)
-€33,450▼ €94,776
lowest -€204,638 (2025)
-€204,638▼ €247,147
peak €598,429 (2024)
€393,791▼ 34.2%
€1.0m▲ 354%
Board3 names since 2025
1 directorMONTECITO Besloten Vennootschap
Documentsfilings and deeds
30-08-202630 days late
2025micro format
Gross margin from €61,326 to -€33,450Loss of €204,638Merger: LIV-IT takes over ZIG EN ZAG BV 21-03Equity from €598,429 to €393,791Debts from €222,203 to €1.0mInvestments €695,268
Key points
from the 2025 annual accountsDebts
€1.0m ▲ 354%
Debts rose by €786,841 in 2025.
Investments
€1.0m 8.7 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 464.7% higher than in 2024.
Restructuring
2
2 restructurings since 2025. Latest: merger with ZIG EN ZAG BV.
Board
2 joined · 1 left
Board changed. Latest change 17-06-2026 · 2 in office.
Position in the sector
-€204,638
Lower net result than 95% of companies in head offices and management consultancy. Sector median €27,132 · 39,384 companies.
2025 accounts filed 30 days after the deadlineTurnover not published (micro format)Total assets +71%: merger
Checked score
65
Healthy
Financially stronger than 18% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.7%● unchanged vs 03-2025
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.7%● unchanged vs 05-2025
07-2025: 0.7%● unchanged vs 06-2025
08-2025: 1.1%▲ +0.4 percentage points vs 07-2025highest value
09-2025: 0.1%▼ -1.0 percentage point vs 08-2025lowest value
10-2025: 0.1%● unchanged vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025lowest value
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.2%▲ +0.1 percentage points vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 1.0%▲ +0.6 percentage points vs 08-2026
10-2026: 1.0%● unchanged vs 09-2026
11-2026: 1.0%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Loss of €204,638 (financial year 2025)
1 change of registered office in 24 months
Last filed accounts filed 30 days late; 1 of the last 3 accounts late
lowers risk
Size: total assets €1.4m
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 29% of them on solvency, 20% on liquidity, 8% on profitability and 17% on growth.
The bankruptcy probability was computed on 09-11-2026 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 low class on 30-06-2025, 0.8% 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, 180 companies had the same profile as LIV-IT has now. Each dot is one company, two years later.
91.1%
were still trading
2.8%
stopped another way
5.6%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of LIV-IT itself is lower: 1.0% within 12 months. It rests on far more data about LIV-IT than the profile alone.
Test of the method
The method was tested on the 497,447 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 180 companies, not a prediction for LIV-IT. 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 €25,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.03 (3.05 in 2024), below the usual 1.5. Short-term debt is 32% and cash 3.2% of total assets. 71.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 30 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
30 days late
2024
29 days late
2023
69 days late
2022
88 days late
2021
25 days late
2020
3 days late
2019
118 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 52 days after 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 30 August (4 of the last 5 accounts filed within 40 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
MB
MONTECITO Besloten Vennootschap
Director, since 17-06-2026
Shares in 1 company, ZIG EN ZAG
Board & ownershipRecent changes
Registered office moved from Antwerp to Asse
New registered office: Nerviërsstraat 32 A, 1730 Asse · Previous registered office: Coebergerstraat 7, 2018 Antwerpen · Resignation: Meeuwsse Bjöm (director) · General meeting of 17-06-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0842374328
Merger: LIV-IT takes over ZIG EN ZAG BV
“De vennootschap heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te…” (deed in Dutch) · The company holds all the shares of ZIG EN ZAG BV · Gazette deed
Merger proposal: LIV-IT takes over ZIG EN ZAG
Permanent representatives: Björn Meeuwsse and Robin Janssens · The company holds all the shares of ZIG EN ZAG · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LIV-IT Asse | €1.4m | -€33,450 | 28.1% | - |
| LOCUBIN Leuven | €1.2m | €772 | 39.7% | - |
| WILMAG II Aarschot | €1.1m | -€2,793 | 98.8% | - |
| ACCESS 2 TASTE Wevelgem | €1.3m | -€20,370 | 61.9% | - |
| Reatek Investments Uccle | €1.2m | €507 | 99.9% | - |
| Be Projects Aalter | €1.6m | -€4,871 | 4.6% | - |
| EVOMA Chaudfontaine | €1.8m | -€50,040 | 44.0% | - |
These companies have the same main activity as LIV-IT: activities of head offices (NACE 70100). They are comparable in size and age: total assets between €1.1m and €1.8m, founded between 2009 and 2013.
Official details
Source: KBO- Status
- Active since 04-01-2012Normal situation
- Registered office
- 11 active companies are registered at this addressSource: KBO register, as of 10 November 2026.
- Activity
- Activities of head officesNACE 70100
- Establishment unit
- 2.208.125.4202018 Antwerp, since 04-01-2012
- Financial year end
- 31 December
- Peppol
- Reachable since 19-09-2025
Insights on LIV-IT
LIV-IT files the micro format. That format states no turnover. The gross margin fell from €75,716 in 2012 to -€33,450 in 2025.
The balance sheet grew most from 2023 to 2025 through fixed assets, financed with long-term debt.
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 LIV-IT
- What is the company number of LIV-IT?
- The company number of LIV-IT is 0842.374.328. The VAT number is the same number with BE in front: BE 0842.374.328.
- Where is LIV-IT based?
- The registered office is at Nerviërsstraat 32, 1730 Asse.Company details
- What does LIV-IT do?
- According to the KBO register, the main activity is activities of head offices (NACE 70100).
- What is the legal form of LIV-IT?
- LIV-IT is a private limited company (BV).
- When was LIV-IT founded?
- LIV-IT was founded on 04-01-2012.
- Is LIV-IT still active?
- Yes, LIV-IT is an active enterprise in the KBO register.
- What is the turnover of LIV-IT?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is LIV-IT profitable?
- In financial year 2025, LIV-IT made a loss of €204,638.
- Where can I find the annual accounts of LIV-IT?
- LIV-IT filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LIV-IT due?
- LIV-IT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.