Age5 yrs
Real estate1 parcel · 97 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Livay. Ets is 6.4% (elevated). The 2023 annual accounts show negative equity (€-42k) and a net result of €6k. Its solvency ranks better than 10% of 5706 sector peers (fiscal year 2023). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone6.4%
Elevated
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 5706 sector peers (2023).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsMore than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€6k
Working capital€-70k-3.1%
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 26-08-2024 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -73.0% | 20.1% | |
| Net result | €6k | €3k | |
| Equity | €-42k | €15k | |
| Gross operating margin | €29k | €23k | |
| Staff costs | €14k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€15k
-
-74% vs sector
€6k
-
-16% vs sector
€13k
-
+53% vs sector
€57k
-1.1%
-53% vs sector
€-42k
+11.9%
far below sector median
€-70k
-3.1%
far below sector median
€14k
-62.0%
-98% vs sector
€99k
-5.9%
far above sector median
€79k
+11.1%
far above sector median
€20k
-41.1%
-97% vs sector
0.11
+151.4%
-98% vs sector
0.10
+126.1%
-98% vs sector
-73.0%
+10.9%
far below sector median
-2.37
-6.7%
far below sector median
-13.5%
-
far below sector median
9.8%
-
-33% vs sector
6.88
-
-41% vs sector
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Revenue | - |
| EBITDA | €15k |
| Net profit | €6k |
| Cash flow | €13k |
| Staff costs | €14k |
| Income taxes | - |
| Dividends | - |
| Total assets | €57k |
| Equity | €-42k |
| Debt | €99k |
| of which ≤ 1y | €79k |
| of which > 1y | €20k |
| Working capital | €-70k |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 0.11 |
| Quick ratio | 0.10 |
| Working capital ratio | -122.0% |
| Solvency | -73.0% |
| Debt / equity | -2.37 |
| Long-term debt ratio | -0.48 |
| Interest coverage | 6.88 |
| Gross margin | - |
| Net margin | - |
| ROA | 9.8% |
| ROE | -13.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €57k |
| Fixed assets | 21/28 | €48k |
| Tangible fixed assets | 22/27 | €48k |
| Financial fixed assets | 28 | €404 |
| Current assets | 29/58 | €9k |
| Stocks & contracts in progress | 3 | €900 |
| Amounts receivable within one year | 40/41 | €2k |
| Cash & bank | 54/58 | €6k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €57k |
| Equity | 10/15 | €-42k |
| Contributions / capital | 10/11 | €15k |
| Accumulated profits (losses) | 14 | €-57k |
| Amounts payable | 17/49 | €99k |
| Amounts payable after one year | 17 | €20k |
| Amounts payable within one year | 42/48 | €79k |
| Trade debts payable within one year | 44 | €21k |
| Income statement | ||
| Gross operating margin | 9900 | €29k |
| Operating result | 9901 | €8k |
| Financial income | 75 | €88 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €6k |
| Net result for the period | 9904 | €6k |
| Result to be appropriated | 9905 | €6k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed16
/ 100
Critical
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationPanem
since 20202.314.648.840
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area97 m²
Buildings1
Building footprint97 m²
Volume (LiDAR)1,128 m³
Tallest building12.6 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0096/00Z005 | Brussels | 97 m² | 1 · 97 m² | 12.6 m · 4 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes44
/ 100
Fragile profile, watch profitability in particular.
Health
16
Profitability
0
Solvency
33
Growth
78
Stability
94
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Credit advice
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Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameFR | Livay. Ets |
Registered office
Jules Besmestraat 80
1081 Koekelberg, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.