LYF CONSULT
ActiveLYF CONSULT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €105k and a net result of €20k. Equity is growing by ~31.6% per year across the filed fiscal years. Its solvency ranks better than 57% of 11614 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84▼-9
Solvency87▼-13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 3.27 in 2023; short-term debt: 24.3% and cash: 1.4% of total assets), and 38.2% 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
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 →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-09-2025, 40 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
40 d late
2023
2 d early
2022
24 d early
2021
19 d late
2020
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€105k▲ 23.9%
2023 · €84k
2020: €25k
2021: €48k
2022: €63k
2023: €84k
2020 → 2024
Total assets
€169k▲ 54.0%
2023 · €110k
2020: €63k
2021: €72k
2022: €87k
2023: €110k
2020 → 2024
Net result
€20k▼ 5.5%
2023 · €21k
2020: €25k
2021: €23k
2022: €15k
2023: €21k
2020 → 2024
Working capital
€41k▼ 28.9%
2023 · €58k
2020: €4k
2021: €24k
2022: €37k
2023: €58k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€25k-€48k▲ 92.7%€63k▲ 32.3%€84k▲ 33.9%€105k▲ 23.9%
Operating result€32k-€31k▼ 2.0%€23k▼ 27.1%€30k▲ 31.1%€28k▼ 4.4%
Net result€25k-€23k▼ 7.3%€15k▼ 32.9%€21k▲ 38.7%€20k▼ 5.5%
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 2024; 2024 is 4% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €169k
Fixed assets
€87k▲ 226%
Current assets
€82k▼ 1.3%
Equity and liabilities €169k
Equity
€105k▲ 23.9%
Debt
€65k▲ 154%
The debt ratio rises from 23.2% to 38.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2023 · €34k
Cash flow
€28k▲
2023 · €25k
Solvency
61.8%▼
2023 · 76.8%
Current ratio
2.00▼
2023 · 3.27
Quick ratio
1.89▼
2023 · 3.12
Debt / equity
0.62▲
2023 · 0.30
ROE
19.3%▼
2023 · 25.3%
ROA
11.9%▼
2023 · 19.4%
Interest coverage
16.21▼
2023 · 37.47
Debt
€65k▲
2023 · €25k
Debt ≤ 1 year
€41k▲
2023 · €25k
Debt > 1 year
€23k
Income taxes
€6k▼
2023 · €7k
Staff costs
€2k▲
2023 · €784
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€110k€169k▲
Fixed assets21/28€27k€87k▲
Intangible fixed assets21€13k€11k▼
Tangible fixed assets22/27€14k€76k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€1k€3k▲
Other tangible fixed assets26€11k€72k▲
Financial fixed assets28€43€43=
Current assets29/58€83k€82k▼
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€63k€72k▲
Trade receivables40€16k€21k▲
Other amounts receivable41€47k€51k▲
Cash at bank and in hand54/58€13k€2k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€110k€169k▲
Equity10/15€84k€105k▲
Profit (loss) carried forward14€84k€105k▲
Amounts payable17/49€25k€65k▲
Amounts payable after more than one year17-€23k
Financial debts170/4-€23k
Amounts payable within one year42/48€25k€41k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44€6k€12k▲
Suppliers440/4€6k€12k▲
Taxes, remuneration and social security45€20k€23k▲
Taxes450/3€20k€23k▲
Accrued charges and deferred income492/3-€165
Income statement
Code20232024
Remuneration, social security and pensions62€784€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€36k€39k▲
Operating profit (loss)9901€30k€28k▼
Financial income75/76B€1€15▲
Recurring financial income75€1€15▲
Financial charges65/66B€897€2k▲
Recurring financial charges65€897€2k▲
Profit (loss) for the period before taxes9903€29k€26k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€21k€20k▼
Profit (loss) for the period to be appropriated9905€21k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€105k▲
Profit (loss) brought forward from the previous period14P€63k€84k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
31-12
Financial
Equity above €100kEq €105k ▲23.9%
5 profitable years in a row build equity to €105k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €15k ▼32.9%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gesves · 2 establishment units 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.
Rue Surhuy 405340 GesvesGround area
4,869 m²
Building footprint
327 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
LYF CONSULT
since 20192.295.811.143
LYF CONSULT
since 20212.323.169.794
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92054E0117/02E000 | Wallonia | 3,568 m² | 1 · 129 m² | - |
| 92054E0629/00E000 | Wallonia | 1,301 m² | 1 · 198 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGesves2.295.811.143
Similar companies · same sector, comparable size
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HENXIS
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CINEB's Consulting
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INNEAUTECH
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Of 11,555 companies in sector 71121 we hold annual accounts for 6,562. 5,231 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2019
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
41001General construction of residential buildings
68121Development of residential building projects
46360Wholesale trade
47242Retail sale of chocolate and confectionery
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.
Contact details
1 entryE-mail:lyfconsult@gmail.com