Lizy
ActiveLizy has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €3k. Equity is growing by ~68.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-16
Solvency82▲+33
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.33 against 1.32 in 2024; short-term debt: 42.9% and cash: 22.4% of total assets), and 42.9% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
57.1%
Return on assets
16.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
36 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▲ 41.2%
2024 · €8k
2023: €340
2024: €8k
2023 → 2025
Total assets
€19k▼ 40.7%
2024 · €32k
2023: €24k
2024: €32k
2023 → 2025
Net result
€3k▼ 56.9%
2024 · €7k
2023: €-660
2024: €7k
2023 → 2025
Working capital
€11k▲ 41.2%
2024 · €8k
2023: €340
2024: €8k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€340-€8k▲ 2,178%€11k▲ 41.2%
Operating result€3k-€12k▲ 261%€5k▼ 60.6%
Net result€-660-€7k€3k▼ 56.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 61% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €19k
Equity
€11k▲ 41.2%
Debt
€8k▼ 66.5%
The debt ratio falls from 76.0% to 42.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
57.1%▲
2024 · 24.0%
Current ratio
2.33▲
2024 · 1.32
Quick ratio
2.33▲
2024 · 1.32
Debt / equity
0.75▼
2024 · 3.17
ROE
29.2%▼
2024 · 95.6%
ROA
16.7%▼
2024 · 22.9%
Debt
€8k▼
2024 · €25k
Debt ≤ 1 year
€8k▼
2024 · €25k
Income taxes
€2k▼
2024 · €5k
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€32k€19k▼
Current assets29/58€32k€19k▼
Amounts receivable within one year40/41€8k€15k▲
Trade receivables40€8k€12k▲
Other amounts receivable41-€3k
Cash at bank and in hand54/58€24k€4k▼
Equity and liabilities
Total equity and liabilities10/49€32k€19k▼
Equity10/15€8k€11k▲
Contributions10/11€1k€1k=
Reserves13€7k€10k▲
Distributable reserves133€7k€10k▲
Amounts payable17/49€25k€8k▼
Amounts payable within one year42/48€25k€8k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€13k€6k▼
Taxes450/3€13k€6k▼
Other amounts payable47/48€10k-
Income statement
Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€12k€-12k▼
Other operating charges640/8€576€528▼
Gross operating margin9900€25k€-7k▼
Operating profit (loss)9901€12k€5k▼
Financial income75/76B€14€138▲
Recurring financial income75€14€138▲
Financial charges65/66B€274€208▼
Recurring financial charges65€274€208▼
Profit (loss) for the period before taxes9903€12k€5k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€7k€3k▼
Profit (loss) for the period to be appropriated9905€7k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€3k▼
Profit (loss) brought forward from the previous period14P€-660-
Transfer to equity691/2€7k€3k▼
To other reserves6921€7k€3k▼
The notes to these accounts (1 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 36 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Izegem · 1 establishment unit since 2022
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.
Vijfwegenstraat 478870 IzegemGround area
112 m²
Parcel 36492A0298/00Y003, Flanders. Linked by address, not a title deed.
1 establishment unit
Lizy
since 20222.333.699.937
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36492A0298/00Y003 | Flanders | 112 m² | - | - |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 317 EUR awarded · 317 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 317 EUR | 317 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 801 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2022
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
46150Agents in the wholesale of furniture, household goods and hardware
46190Agents in non-specialised wholesale trade
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
74104Other professional, scientific and technical activities
74109Other professional, scientific and technical activities
74130Interior design
74140Other specialised design activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.