LYWCO SERVICES

Active

Private limited companyfounded 20242 yrs activeItaliëlaan 6/4.4, 1800 Vilvoorde, BelgiumKBO/BCE: BE 1005.579.501

Summary

The annual accounts of LYWCO SERVICES for fiscal year 2025 show a net loss of 50% of total assets and of 60% of the equity at the start of that year. The 2025 annual accounts show equity of €8,371 and a net result of -€12,468. Its solvency ranks better than 33% of 36981 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

LYWCO SERVICESActiveChecked score 54/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220

1 site

Size

€24,710total assets 2025

Equity: €8,371
Loss: -€12,468

Turnover not published (abridged schema)

Financial health

54 Fair Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts filed 20 d late0 of 1 deed read

Why 54Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €12,468 (FY 2025)+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €24,710+ Liquidity: current ratio 1.46, cash €22,914Show the evidence

Checked score

Score 2025

54 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 26% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 59-14

equity 33.9% of total assets

Liquidity 65-9

short-term debt 66.1% · cash 92.7%

Profitability 0-100

return on assets -50.5%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,599 companies)

Last 24 months 03-2025: 0.4% 04-2025: 0.4%▲ +2.2% vs 03-2025 05-2025: 0.4%▲ +1.6% vs 04-2025 06-2025: 0.4%▲ +1.6% vs 05-2025 07-2025: 0.4%▲ +12.2% vs 06-2025highest value 08-2025: < 0.1%▼ -90.5% vs 07-2025lowest value 09-2025: < 0.1%▲ +4.9% vs 08-2025 10-2025: < 0.1%▲ +2.3% vs 09-2025 11-2025: < 0.1%▼ -2.3% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▲ +2.3% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%▲ +9.1% vs 02-2026 04-2026: < 0.1%▲ +4.2% vs 03-2026 05-2026: 0.1%▲ +14.0% vs 04-2026 06-2026: 0.1%● 0.0% vs 05-2026 07-2026: 0.1%▲ +14.0% vs 06-2026 08-2026: 0.1%▲ +117% vs 07-2026 09-2026: 0.1%▼ -36.2% vs 08-2026 10-2026: 0.1%▼ -2.2% vs 09-2026

Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Size: total assets €24,710 lowers the probability for this profile
Liquidity: current ratio 1.46, cash €22,914 lowers the probability
Loss of €12,468 (FY 2025) raises the probability

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity tight (current ratio 1.46 against 1.85 in 2024; short-term debt: 66.1% and cash: 92.7% of total assets), and 66.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 33%, liquidity 57%, profitability 4%, growth against the median 11%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Size: total assets €24,710

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 1.46, cash €22,914

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Loss of €12,468 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Young company

Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 2 filings

Deviation from the deadline

2025

20 d late

2024

14 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 3 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

20-08-26 Annual accounts filedfiscal year 2025 · micro…
17-07-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: Among the weakest 10% on net resultsector median €27,007 · 36,996 companies -€12,468 View
Total assets 20252 fiscal years filed €24,710 View
Active since 2024founded 02-02-2024 2 years View