o.lives
Activeo.lives has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €410k and a net result of €185k. Its solvency ranks better than 63% of 16426 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Track record82
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days only on tighter terms
Liquidity ample (current ratio 4.15 against 4.0 in 2024; short-term debt: 23.9% and cash: 5.2% of total assets), and 24.3% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
75.7%
Return on assets
34.3%
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 06-08-2026, 6 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 filingsDeviation from the deadline
2025
6 d late
2024
24 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€410k▲ 82.6%
2024 · €225k
2024: €225k
2024 → 2025
Total assets
€541k▲ 82.0%
2024 · €298k
2024: €298k
2024 → 2025
Net result
€185k▼ 16.3%
2024 · €222k
2024: €222k
2024 → 2025
Working capital
€408k▲ 90.7%
2024 · €214k
2024: €214k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€225k-€410k▲ 82.6%
Operating result€291k-€238k▼ 18.3%
Net result€222k-€185k▼ 16.3%
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 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €541k
Fixed assets
€4k▼ 67.2%
Current assets
€537k▲ 88.4%
Equity and liabilities €541k
Equity
€410k▲ 82.6%
Debt
€131k▲ 80.0%
The debt ratio falls from 24.5% to 24.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€246k▼
2024 · €296k
Cash flow
€194k▼
2024 · €227k
Solvency
75.7%▲
2024 · 75.5%
Current ratio
4.15▲
2024 · 4.00
Quick ratio
4.15▲
2024 · 4.00
Debt / equity
0.32▼
2024 · 0.33
ROE
45.2%▼
2024 · 98.7%
ROA
34.3%▼
2024 · 74.5%
Interest coverage
2300.09▼
2024 · 4517.98
Debt
€131k▲
2024 · €73k
Debt ≤ 1 year
€130k▲
2024 · €71k
Income taxes
€59k▼
2024 · €71k
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€298k€541k▲
Fixed assets21/28€12k€4k▼
Tangible fixed assets22/27€12k€4k▼
Furniture and vehicles24€12k€4k▼
Current assets29/58€285k€537k▲
Amounts receivable within one year40/41€62k€85k▲
Other amounts receivable41€62k€85k▲
Current investments50/53€100k€390k▲
Cash at bank and in hand54/58€118k€28k▼
Deferred charges and accrued income490/1€5k€34k▲
Equity and liabilities
Total equity and liabilities10/49€298k€541k▲
Equity10/15€225k€410k▲
Contributions10/11€3k€3k=
Reserves13€222k€407k▲
Distributable reserves133€222k€407k▲
Amounts payable17/49€73k€131k▲
Amounts payable within one year42/48€71k€130k▲
Trade debts44€888€941▲
Suppliers440/4€888€941▲
Taxes, remuneration and social security45€70k€129k▲
Taxes450/3€70k€129k▲
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€8k▲
Other operating charges640/8€427€438▲
Gross operating margin9900€296k€246k▼
Operating profit (loss)9901€291k€238k▼
Financial income75/76B€1k€7k▲
Recurring financial income75€1k€7k▲
Financial charges65/66B€65€107▲
Recurring financial charges65€65€107▲
Profit (loss) for the period before taxes9903€292k€245k▼
Income taxes67/77€71k€59k▼
Profit (loss) for the period9904€222k€185k▼
Profit (loss) for the period to be appropriated9905€222k€185k▼
Appropriation of the result
Profit (loss) to be appropriated9906€222k€185k▼
Transfer to equity691/2€222k€185k▼
To other reserves6921€222k€185k▼
The notes to these accounts (4 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Edegem · 1 establishment unit since 2024
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.
Jan Verbertlei 632650 EdegemGround area
593 m²
Building footprint
137 m²
Volume, LiDAR
882 m³
Parcel 11472B0136/00L000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
o.lives
since 20242.354.034.996
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472B0136/00L000 | Flanders | 593 m² | 1 · 137 m² | 8.6 m · 2 fl. |
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.
Similar companies · same sector, comparable size
Dr. Marie Hutsebaut – Fysische geneeskunde
BE 0788.970.086
Nazareth-De Pinte · Eq €410k
DOCTEUR Samuel DEHEZ
BE 0811.301.367
Namur · Eq €410k
DR. NOTELE GOEDELE, ANESTHESIE
BE 0806.855.403
Sint-Katelijne-Waver · Eq €410k
MARCOUXMED
BE 0797.699.492
Pont-à-Celles · Eq €410k
Dr. Thomas Beukeleirs
BE 0791.150.014
Antwerpen · Eq €410k
Of 16,623 companies in sector 86220 we hold annual accounts for 7,972. 6,551 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2023
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
72109Other research and development on natural sciences
85599Other education
90201Performing arts by independent artists
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.