Equity
€89,040 ▲ 142%
Equity rose in 2025 from €36,844 to €89,040.
LIVIAM
Lifetime
8 annual accounts with figures on one time axispeak €102,925 (2025)
€102,925▲ 143%
lowest -€19,165 (2023)
€52,196▲ 412%
peak €89,040 (2025)
€89,040▲ 142%
€108,726▲ 25.2%
peak 0.4 FTE (2020)
-not published
Board2 names since 2019
2 directorsVandermeulen Annelies and 1 other
Documentsfilings and deeds
22-06-202639 days before the deadline
2025micro format
Gross margin from €42,400 to €102,925Result from €10,193 to €52,196Equity from €36,844 to €89,040Debts from €86,822 to €108,726Cash from €22,107 to €7,749
Key points
from the 2025 annual accountsChecked score
69
Healthy
Financially stronger than 77% of micro companies in accommodation (NACE 55)
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: 0.6% across 2,522 companies (NACE 55, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.8%▼ -0.1 percentage points vs 12-2024
02-2025: 0.8%● unchanged vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025
04-2025: 0.9%▲ +0.1 percentage points vs 03-2025
05-2025: 0.9%● unchanged vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025
07-2025: 0.5%▼ -0.4 percentage points vs 06-2025
08-2025: 0.4%▼ -0.1 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.3%▼ -0.1 percentage points vs 01-2026lowest value
03-2026: 0.3%● unchanged vs 02-2026lowest value
04-2026: 0.4%▲ +0.1 percentage points vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 1.0%▲ +0.6 percentage points vs 06-2026highest value
08-2026: 1.0%● unchanged vs 07-2026highest value
09-2026: 1.0%● unchanged vs 08-2026highest value
10-2026: 1.0%● unchanged vs 09-2026highest value
11-2026: 1.0%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Size: total assets €197,766
Liquidity: current ratio 3.97, cash €7,749, halved
lowers risk
Figures for financial year 2025 (filed on 22-06-2026)
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 55, micro). It does better than 67% of them on solvency, 47% on liquidity, 97% on profitability and 95% 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, 26,972 companies had the same profile as LIVIAM has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of LIVIAM itself: 1.0% within 12 months.
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 26,972 companies, not a prediction for LIVIAM. 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 €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.97 (1.77 in 2024), above the usual 1.5. Short-term debt is 22.3% and cash 3.9% of total assets. However, 55% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
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 22-06-2026, 39 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
39 days early
2024
38 days early
2023
37 days early
2022
42 days early
2021
41 days early
2020
40 days early
2019
39 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 39 days before the deadline. In the sector (NACE 55), the median for financial year 2024 was 1 day before the deadline, and 45% 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 22 June (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
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
VA
Vandermeulen Annelies
Manager
VA
Vandermeulen Annelies Anthonia Cornelia
Director
Shares in 1 company, TEKINJECT
Board & ownershipRecent changes
Registered office moved from Hove to Kapellen
New registered office: Mispelaarlaan 3 te 2950 Kapellen · Previous registered office: Geelhandlaan 59 te 2540 Hove · Board meeting of 27-04-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0686732977
Amendment of the articles · Legal-form change · Resignations & appointments
Director in office: Vandermeulen Annelies Anthonia Cornelia · General meeting of 13-07-2023 · Gazette deed
Registered office moved from Antwerp to Hove
New registered office: Geelhandlaan 59 te 2540 Hove · Previous registered office: Jan Van Rijswijcklaan 281/33 te 2020 Antwerpen 2 · General meeting of 04-03-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LIVIAM Kapellen | €197,766 | €102,925 | 45.0% | - |
| WH GROUP Laakdal | €193,422 | €91,708 | 91.1% | - |
| HOME PUR SANG Zoersel | €200,613 | €66,050 | -21.3% | - |
| GITES D'ARDENNE Houyet | €149,419 | €84,138 | 29.7% | - |
| Vill'Artistiek Lommel | €210,241 | €125,628 | 37.8% | - |
| AU MONTY Profondeville | €219,134 | €61,637 | 92.9% | - |
| SimCo Ixelles | €105,041 | €96,781 | 6.1% | - |
These companies have the same main activity as LIVIAM: other holiday and short-stay accommodation (NACE 55209). They are comparable in size and age: total assets between €105,000 and €219,000, founded between 2016 and 2020.
Official details
Source: KBO- Status
- Active since 21-12-2017Normal situation
- Activity
- Other holiday and short-stay accommodationNACE 55209and 1 other
- Establishment unit
- 2.288.257.8132950 Kapellen, since 04-03-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 10-01-2025
Annual accounts 2025
- ≈ €260,000estimated
- €197,766▲ 59.9%
- Employeeson 31-12-2025
- 1=
- Filing
- Filed on 22-06-2026, 39 days before the end of the filing period
Insights on LIVIAM
LIVIAM files the micro format. That format states no turnover. The gross margin rose from €42,821 in 2018 to €102,925 in 2025.
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 LIVIAM
- What is the company number of LIVIAM?
- The company number of LIVIAM is 0686.732.977. The VAT number is the same number with BE in front: BE 0686.732.977.
- Where is LIVIAM based?
- The registered office is at Mispelaarlaan 3, 2950 Kapellen.Company details
- What does LIVIAM do?
- According to the KBO register, the main activity is other holiday and short-stay accommodation (NACE 55209).
- What is the legal form of LIVIAM?
- LIVIAM is a private limited company (BV).
- When was LIVIAM founded?
- LIVIAM was founded on 21-12-2017.
- Is LIVIAM still active?
- Yes, LIVIAM is an active enterprise in the KBO register.
- How many employees does LIVIAM have?
- LIVIAM had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of LIVIAM?
- The turnover in financial year 2025 is ≈ €260,000. This figure is estimated from the gross margin of €102,925 and 2,205 comparable companies of the same size. It probably lies between €170,000 and €400,000. It is a rough estimate.
- Is LIVIAM profitable?
- In financial year 2025, LIVIAM made a profit of €52,196.
- Where can I find the annual accounts of LIVIAM?
- LIVIAM filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LIVIAM due?
- LIVIAM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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