Parent and group
- KOLMONT HOLDING100%
LIVACO
ActiveSummary
LIVACO has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16.2m and a net result of €2.5m. Equity has been shrinking by about 7.4% per year since 2018. Its solvency ranks better than 56% of 5,795 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Official details
Source: KBO- Status
- Active since 04-04-1996 Normal situation
- Registered office
- 50 active companies are registered at this address Source: KBO register, as of 3 November 2026.
- Activity
- Real estate agency activities NACE 68310and 1 other
- Joint committee
- 323 Paritair Comité voor het beheer van gebouwen, de vastgoedmakelaars en de dienstboden · annual accounts 2021
- Establishment unit
- 2.076.114.160 1000 Brussel, since 15-04-1996
- Financial year end
- 31 December
- Peppol
- Reachable since 26-05-2025
Board and ownership
Board
- GAMBIET BVManaging director · permanent representative Tom Deckers
- Kolmont Development BVManaging director · permanent representative Bart Tans
Shareholders
- Kolmont Development100%· score 872025 annual accounts of Kolmont Development
- Holdings
- Shares in 3 companies including HARRY'S INVEST and Albert Immo
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.2%
Annual accounts 2025
- Turnover
- €6.8m
- ▲ 36.3%
- Profit
- €2.5m
- ▲ 40.6%
- Equity
- €16.2m
- ▲ 3.0%
- Total assets
- €35.5m
- ▼ 6.2%
- Employees on 31-12-2025
- 1
- =
Score breakdownraises riskLiquidity: current ratio 1.32, cash €1.0m1 of the last 3 accounts latelowers riskSize: turnover €6.8m, 1 FTE, total assets €35.5mFounded in 1996Show the evidence
Checked score
Score 2025
92
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 58% of micro companies in real estate (NACE 68)
Financial strength · tick: 2024
Strong
Solvency
71+5
equity 45.5% of total assets
Liquidity
27+5
short-term debt 53.3% · cash 2.9%
Profitability
85+15
return on assets 7.0%
Bankruptcy probability within 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.3%▲ +0.2 percentage points vs 10-2025highest value
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.2%▼ -0.1 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €650,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.32 (1.48 in 2024), below the usual 1.5. Short-term debt is 53.3% and cash 2.9% of total assets. 54.5% of the assets are financed with debt and provisions.
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 68, micro). It does better than 61% of them on solvency, 20% on liquidity, 82% on profitability and 70% on growth.
The bankruptcy probability was computed on 02-11-2026 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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Signals
Five signals.
lowers riskraises riskneutral
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 13-07-2026, 18 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
18 days early
2024
24 days early
2023
on the day
2022
14 days early
2021
12 days early
2020
23 days early
2019
22 days early
← 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 16 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 17 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
- Positive: Higher net result than 95% of companies in real estatesector median €20,550 · 5,802 companies €2.5m View
- Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
- Positive: 8 profitable years in a rowprofit 2025: €2.5m 8 years View
- Positive: Turnover rose in 2025from €5.0m to €6.8m ▲ 36.3% View
Recent changes
- · Gazette deed Reappointment: BDO Bedrijfsrevisoren BV (statutory auditor)Permanent representatives: Sebastiaan Gysemberg and Bart Tanıs
- · Gazette deed Resignation: Victor TANS (director)Permanent representative: Bart Tans
- · Gazette deed 2 directors appointedAppointments: KOLMONT DEVELOPMENT BV (managing director) and GAMBIET BV (managing director) · Permanent representatives: Bart Tans and Tom Deckers
Companies linked to LIVACO
Subsidiaries and holdings
- IMMO TERRA50%
Comparable companies
These companies have the same main activity as LIVACO: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €25m and €70m, founded between 1989 and 2001.
| Company | Total assets | Gross margin |
|---|---|---|
| LIVACO Brussel | €35.5m | €3.4m |
| BELTAINE Brussel | €44.7m | €2.2m |
| COACH en PARTNERS Sint-Pieters-Woluwe | €28.5m | €3.2m |
| DESCARIMMO Tournai | €25.2m | €3.2m |
| BEL IS IMMO Charleroi | €28.5m | €2.3m |
| Derdaele Group Lommel | €25.9m | - |
| Novus Brugge | €70.1m | - |
Key facts about LIVACO
- What is the company number of LIVACO?
- The company number of LIVACO is 0457.614.029. The VAT number is the same number with BE in front: BE 0457.614.029.
- Where is LIVACO based?
- The registered office is at Marnixlaan 28, 1000 Brussel.Company details
- What does LIVACO do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of LIVACO?
- The legal form of LIVACO is Public limited company (NV).
- When was LIVACO founded?
- LIVACO was founded on 04-04-1996.
- Is LIVACO still active?
- Yes, LIVACO is an active enterprise in the KBO register.
- How many employees does LIVACO have?
- LIVACO had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does LIVACO fall under?
- In its 2021 annual accounts, LIVACO states joint committee 323 (Paritair Comité voor het beheer van gebouwen, de vastgoedmakelaars en de dienstboden).
- What is the turnover of LIVACO?
- The turnover of LIVACO was €6.8m in financial year 2025, according to the filed annual accounts.
- Is LIVACO profitable?
- In financial year 2025, LIVACO made a profit of €2.5m.
- Where can I find the annual accounts of LIVACO?
- LIVACO filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LIVACO due?
- LIVACO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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