LIVIAM
ActiveLIVIAM has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €37k and a net result of €10k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 58% of 1852 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+79
Solvency55▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.77 against 1.77 in 2023; short-term debt: 41.3% and cash: 17.9% of total assets), but 70.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
29.8%
Return on assets
8.2%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
37 d early
2022
42 d early
2021
41 d early
2020
40 d early
2019
39 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€37k▲ 38.2%
2023 · €27k
2018: €479
2019: €15k
2020: €36k
2021: €27k
2022: €46k
2023: €27k
2018 → 2024
Total assets
€124k▲ 11.7%
2023 · €111k
2018: €339k
2019: €351k
2020: €354k
2021: €332k
2022: €332k
2023: €111k
2018 → 2024
Net result
€10k
2023 · €-19k
2018: €-6k
2019: €14k
2020: €21k
2021: €-9k
2022: €19k
2023: €-19k
2018 → 2024
Working capital
€40k▲ 14.1%
2023 · €35k
2018: €-35k
2019: €-48k
2020: €-32k
2021: €-39k
2022: €-33k
2023: €35k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€36k-€27k▼ 25.3%€46k▲ 72.3%€27k▼ 41.8%€37k▲ 38.2%
Operating result€34k-€-2k€33k€-11k€14k
Net result€21k-€-9k€19k€-19k€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €14k after a loss of €11k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €124k
Fixed assets
€33k▲ 6.6%
Current assets
€91k▲ 13.7%
Equity and liabilities €124k
Equity
€37k▲ 38.2%
Debt
€87k▲ 3.3%
The debt ratio falls from 75.9% to 70.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▲
2023 · €-2k
Cash flow
€20k▲
2023 · €-10k
Solvency
29.8%▲
2023 · 24.1%
Current ratio
1.77▲
2023 · 1.77
Quick ratio
1.77▲
2023 · 1.77
Debt / equity
2.36▼
2023 · 3.15
ROE
27.7%▲
2023 · -71.9%
ROA
8.2%▲
2023 · -17.3%
Interest coverage
6.80▲
2023 · -0.22
Debt
€87k▲
2023 · €84k
Debt ≤ 1 year
€51k▲
2023 · €45k
Debt > 1 year
€35k▼
2023 · €38k
Income taxes
€530▲
2023 · €239
Staff costs
€18k▲
2023 · €15k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€111k€124k▲
Fixed assets21/28€31k€33k▲
Tangible fixed assets22/27€31k€29k▼
Furniture and vehicles24€6k€12k▲
Other tangible fixed assets26€25k€17k▼
Financial fixed assets28-€4k
Current assets29/58€80k€91k▲
Amounts receivable within one year40/41€60k€69k▲
Trade receivables40€58k€64k▲
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€19k€22k▲
Equity and liabilities
Total equity and liabilities10/49€111k€124k▲
Equity10/15€27k€37k▲
Contributions10/11€6k€6k=
Reserves13€40k€40k=
Distributable reserves133€40k€40k=
Profit (loss) carried forward14€-19k€-9k▲
Amounts payable17/49€84k€87k▲
Amounts payable after more than one year17€38k€35k▼
Financial debts170/4€38k€35k▼
Amounts payable within one year42/48€45k€51k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€983€6k▲
Suppliers440/4€983€6k▲
Taxes, remuneration and social security45€2k€9k▲
Taxes450/3-€6k
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€38k€32k▼
Accrued charges and deferred income492/3€554€1k▲
Income statement
Code20232024
Remuneration, social security and pensions62€15k€18k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€1k€896▼
Gross operating margin9900€14k€42k▲
Operating profit (loss)9901€-11k€14k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€8k€4k▼
Recurring financial charges65€8k€4k▼
Profit (loss) for the period before taxes9903€-19k€11k▲
Income taxes67/77€239€530▲
Profit (loss) for the period9904€-19k€10k▲
Profit (loss) for the period to be appropriated9905€-19k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-9k▲
Profit (loss) brought forward from the previous period14P-€-19k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-19k ▼200%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 1.77
Current ratio from 0.52 to 1.77; short-term debt falls from €68k to €45k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €21k ▲50.1%
Operating result €34k, net result €21k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Kapellen · 1 establishment unit since 2019
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.
Mispelaarlaan 32950 KapellenGround area
3,133 m²
Building footprint
258 m²
Volume, LiDAR
1,609 m³
Parcel 11023I0109/00W006, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Mispelaarlaan 3, 2950 Kapellen
since 20192.288.257.813
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11023I0109/00W006 | Flanders | 3,133 m² | 1 · 258 m² | 10.0 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400TFO3MWRVQXLJ88
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Dinant · Eq €39k
Of 734 companies in sector 55209 we hold annual accounts for 209. 134 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2017
Fiscal year end31-12
Activities, NACEBEL
55209Other holiday and short-stay accommodation
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.