Liva
ActiveThe computed 12-month bankruptcy probability of Liva is 1.5% (moderate). The 2025 annual accounts show equity of €95k and a net result of €26k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 13009 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
98
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+76
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 6.88 against 4.7 in 2024), and 12.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.6%
Return on assets
23.8%
Age of the figures
8 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 29-07-2026, 2 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
on the day
2022
5 d early
2021
4 d early
2020
1 d early
2019
91 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▼ 2.4%
2024 · €98k
2019: €49k
2020: €52k
2021: €93k
2022: €106k
2023: €93k
2024: €98k
2019 → 2025
Total assets
€109k▼ 8.1%
2024 · €118k
2019: €69k
2020: €73k
2021: €108k
2022: €135k
2023: €115k
2024: €118k
2019 → 2025
Net result
€26k▲ 463%
2024 · €5k
2019: €30k
2020: €3k
2021: €43k
2022: €14k
2023: €-12k
2024: €5k
2019 → 2025
Working capital
€79k▲ 3.5%
2024 · €77k
2019: €29k
2020: €34k
2021: €76k
2022: €80k
2023: €74k
2024: €77k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€106k▲ 13.1%€93k▼ 11.8%€98k▲ 4.9%€95k▼ 2.4%
Operating result€50k-€19k▼ 62.7%€-12k€6k€35k▲ 504%
Net result€43k-€14k▼ 67.7%€-12k€5k€26k▲ 463%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 504% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets
€16k▼ 24.1%
Current assets
€93k▼ 4.6%
Equity and liabilities €109k
Equity
€95k▼ 2.4%
Debt
€13k▼ 34.9%
The debt ratio falls from 17.5% to 12.4%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€43k▲
2024 · €13k
Cash flow
€34k▲
2024 · €12k
Solvency
87.6%▲
2024 · 82.5%
Current ratio
6.88▲
2024 · 4.70
Quick ratio
6.29▲
2024 · 4.31
Debt / equity
0.14▼
2024 · 0.21
ROE
27.2%▲
2024 · 4.7%
ROA
23.8%▲
2024 · 3.9%
Interest coverage
22.97▲
2024 · 9.65
Debt
€13k▼
2024 · €21k
Debt ≤ 1 year
€13k▼
2024 · €21k
Income taxes
€7k
Staff costs
€931
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€118k€109k▼
Fixed assets21/28€21k€16k▼
Tangible fixed assets22/27€12k€7k▼
Plant, machinery and equipment23€286€1k▲
Furniture and vehicles24€12k€6k▼
Financial fixed assets28€9k€9k=
Current assets29/58€97k€93k▼
Stocks and contracts in progress3€8k€8k▼
Stocks30/36€8k€8k▼
Amounts receivable within one year40/41€4k€4k▲
Trade receivables40-€509
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€84k€79k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€118k€109k▼
Equity10/15€98k€95k▼
Contributions10/11€19k€19k=
Reserves13€87k€77k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€85k€75k▼
Profit (loss) carried forward14€-8k€5▲
Amounts payable17/49€21k€13k▼
Amounts payable within one year42/48€21k€13k▼
Trade debts44€11k€5k▼
Suppliers440/4€11k€5k▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€5k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€931
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€9k▲
Other operating charges640/8€1k€829▼
Gross operating margin9900€14k€45k▲
Operating profit (loss)9901€6k€35k▲
Financial income75/76B€206€27▼
Recurring financial income75€206€27▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€5k€33k▲
Income taxes67/77-€7k
Profit (loss) for the period9904€5k€26k▲
Profit (loss) for the period to be appropriated9905€5k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€18k▲
Profit (loss) brought forward from the previous period14P€-12k€-8k▲
Transfer from equity791/2-€28k
Transfer to equity691/2-€18k
To other reserves6921-€18k
Profit to be distributed694/7-€28k
Return on contributions (dividend)694-€28k
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-12k ▼190%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €106k ▲13.1%
4 profitable years in a row build equity to €106k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €43k ▲1161%
Operating result €50k, net result €43k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 6.31
Current ratio from 2.62 to 6.31; short-term debt falls from €21k to €14k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Diepenbeek · 1 establishment unit since 2018
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.
Onderwijslaan 893590 DiepenbeekGround area
8.9 ha
Building footprint
5,031 m²
2 parcels, Flanders. Linked by address, not a title deed.
1 establishment unit
Knooppunt 100
since 20182.277.902.765
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011B0660/00L000 | Flanders | 8.8 ha | 1 · 4,732 m² | - |
| 71011I0296/00A000 | Flanders | 1,545 m² | 1 · 300 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteDiepenbeek2.277.902.765
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Of 21,633 companies in sector 56112 we hold annual accounts for 9,658. 7,793 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-06-2018
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.