LivingLabs
ActiveLivingLabs has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152k and a net result of €15k. Equity is growing by ~26.9% per year across the filed fiscal years. Its solvency ranks better than 31% of 8636 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-21
Solvency56▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.5 against 0.47 in 2024; short-term debt: 54.2% and cash: 2.8% of total assets), and 69.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
30.6%
Return on assets
3.1%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
2 d early
2023
33 d early
2022
1 d early
2021
7 d early
2020
29 d early
2019
31 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€152k▲ 11.2%
2024 · €137k
2018: €24k
2019: €37k
2020: €58k
2021: €68k
2022: €78k
2023: €96k
2024: €137k
2018 → 2025
Total assets
€496k▲ 2.7%
2024 · €483k
2018: €42k
2019: €98k
2020: €160k
2021: €391k
2022: €462k
2023: €491k
2024: €483k
2018 → 2025
Net result
€15k▼ 62.8%
2024 · €41k
2018: €4k
2019: €13k
2020: €21k
2021: €11k
2022: €9k
2023: €28k
2024: €41k
2018 → 2025
Working capital
€-134k▲ 3.1%
2024 · €-138k
2018: €9k
2019: €28k
2020: €19k
2021: €-30k
2022: €-54k
2023: €-64k
2024: €-138k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€78k▲ 13.6%€96k▲ 23.0%€137k▲ 42.9%€152k▲ 11.2%
Operating result€21k-€21k▼ 0.7%€41k▲ 95.5%€69k▲ 67.6%€30k▼ 57.0%
Net result€11k-€9k▼ 15.1%€28k▲ 199%€41k▲ 47.2%€15k▼ 62.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €496k
Fixed assets
€361k▲ 0.3%
Current assets
€136k▲ 10.0%
Equity and liabilities €496k
Equity
€152k▲ 11.2%
Debt
€344k▼ 0.6%
The debt ratio falls from 71.7% to 69.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€47k▼
2024 · €83k
Cash flow
€33k▼
2024 · €56k
Solvency
30.6%▲
2024 · 28.3%
Current ratio
0.50▲
2024 · 0.47
Quick ratio
0.50▲
2024 · 0.47
Debt / equity
2.27▼
2024 · 2.53
ROE
10.0%▼
2024 · 30.0%
ROA
3.1%▼
2024 · 8.5%
Interest coverage
4.21▼
2024 · 7.92
Debt
€344k▼
2024 · €346k
Debt ≤ 1 year
€269k▲
2024 · €261k
Debt > 1 year
€70k▼
2024 · €84k
Income taxes
€6k▼
2024 · €21k
Staff costs
€4k▲
2024 · €2k
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€483k€496k▲
Fixed assets21/28€360k€361k▲
Tangible fixed assets22/27€360k€361k▲
Land and buildings22€339k€328k▼
Plant, machinery and equipment23€16k€26k▲
Furniture and vehicles24€4k€7k▲
Current assets29/58€123k€136k▲
Stocks and contracts in progress3€756€0▼
Stocks30/36€756€0▼
Amounts receivable within one year40/41€112k€121k▲
Trade receivables40€4k€1k▼
Other amounts receivable41€108k€120k▲
Cash at bank and in hand54/58€10k€14k▲
Equity and liabilities
Total equity and liabilities10/49€483k€496k▲
Equity10/15€137k€152k▲
Contributions10/11€20k€20k=
Reserves13€117k€132k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€115k€130k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€346k€344k▼
Amounts payable after more than one year17€84k€70k▼
Financial debts170/4€84k€70k▼
Amounts payable within one year42/48€261k€269k▲
Current portion of amounts payable after more than one year42€14k€13k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€21k€5k▼
Taxes450/3€21k€5k▼
Remuneration and social security454/9-€546
Other amounts payable47/48€224k€247k▲
Accrued charges and deferred income492/3€997€5k▲
Income statement
Code20242025
Non-recurring operating income76A€61€0▼
Remuneration, social security and pensions62€2k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€18k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€87k€53k▼
Operating profit (loss)9901€69k€30k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€11k€11k▲
Recurring financial charges65€11k€11k▲
Profit (loss) for the period before taxes9903€62k€22k▼
Income taxes67/77€21k€6k▼
Profit (loss) for the period9904€41k€15k▼
Profit (loss) for the period to be appropriated9905€41k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€15k▼
Transfer to equity691/2€41k€15k▼
To other reserves6921€41k€15k▼
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)90870.60.7▲
The notes to these accounts (12 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €150kEq €152k ▲11.2%
8 profitable years in a row build equity to €152k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €41k ▲47.2%
Operating result €69k, net result €41k, both a record.
31-12
Financial
Equity above €100kEq €137k ▲42.9%
7 profitable years in a row build equity to €137k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Antwerpen · 1 establishment unit since 2014
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.
Roodborstlaan 202660 AntwerpenGround area
583 m²
Building footprint
298 m²
Volume, LiDAR
1,747 m³
2 parcels, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BizzArt
since 20142.237.005.486
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11383B0627/00W002 | Flanders | 408 m² | 1 · 164 m² | 9.8 m · 2 fl. |
| 11001B0040/00K003 | Flanders | 175 m² | 1 · 134 m² | 9.8 m · 1 fl. |
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 · 710 EUR awarded · 710 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 149 EUR | 149 EUR |
| 2022 | 1 | 561 EUR | 561 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,782 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.