SECUR LIFE PROTECT
ActiveSECUR LIFE PROTECT has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €98k and a net result of €32k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 54% of 197 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
Profitability91▲+71
Solvency80▲+10
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.9 against 1.48 in 2024; short-term debt: 43.3% and cash: 36.4% of total assets), and 45.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 26
Relative position
BE, all sectors
reference
Sector 26
lower
← fewer bankruptcies
more bankruptcies →
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
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
54.9%
Return on assets
18%
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
33 d early
2022
25 d late
2021
22 d late
2020
17 d early
2019
25 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€98k▲ 48.7%
2024 · €66k
2018: €66k
2019: €53k
2020: €93k
2021: €84k
2022: €89k
2023: €85k
2024: €66k
2018 → 2025
Total assets
€178k▲ 22.3%
2024 · €145k
2018: €147k
2019: €127k
2020: €152k
2021: €143k
2022: €182k
2023: €186k
2024: €145k
2018 → 2025
Net result
€32k
2024 · €-19k
2018: €-16k
2019: €-12k
2020: €40k
2021: €-10k
2022: €5k
2023: €-4k
2024: €-19k
2018 → 2025
Working capital
€70k▲ 109%
2024 · €33k
2018: €53k
2019: €42k
2020: €79k
2021: €47k
2022: €39k
2023: €41k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€89k▲ 6.2%€85k▼ 4.7%€66k▼ 22.4%€98k▲ 48.7%
Operating result€-10k-€5k€-4k€-19k▼ 350%€32k
Net result€-10k-€5k€-4k€-19k▼ 356%€32k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €32k after a loss of €19k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€31k▼ 27.5%
Current assets
€147k▲ 43.3%
Equity and liabilities €178k
Equity
€98k▲ 48.7%
Debt
€80k▲ 0.5%
The debt ratio falls from 54.9% to 45.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€48k▲
2024 · €1k
Cash flow
€48k▲
2024 · €873
Solvency
54.9%▲
2024 · 45.1%
Current ratio
1.90▲
2024 · 1.48
Quick ratio
1.14▲
2024 · 0.49
Debt / equity
0.82▼
2024 · 1.21
ROE
32.8%▲
2024 · -28.9%
ROA
18.0%▲
2024 · -13.1%
Interest coverage
115.93▲
2024 · 2.09
Debt
€80k▲
2024 · €80k
Debt ≤ 1 year
€77k▲
2024 · €69k
Debt > 1 year
€3k▼
2024 · €11k
Staff costs
€13k▼
2024 · €18k
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€145k€178k▲
Fixed assets21/28€43k€31k▼
Tangible fixed assets22/27€43k€31k▼
Plant, machinery and equipment23€25k€18k▼
Furniture and vehicles24€18k€13k▼
Financial fixed assets28€50€50=
Current assets29/58€102k€147k▲
Stocks and contracts in progress3€68k€59k▼
Stocks30/36€68k€59k▼
Amounts receivable within one year40/41€18k€23k▲
Trade receivables40€15k€23k▲
Other amounts receivable41€3k-
Cash at bank and in hand54/58€16k€65k▲
Equity and liabilities
Total equity and liabilities10/49€145k€178k▲
Equity10/15€66k€98k▲
Contributions10/11€19k€19k=
Reserves13€61k€79k▲
Tax-exempt reserves132€8k€8k=
Distributable reserves133€53k€71k▲
Profit (loss) carried forward14€-14k€481▲
Amounts payable17/49€80k€80k▲
Amounts payable after more than one year17€11k€3k▼
Financial debts170/4€11k€3k▼
Amounts payable within one year42/48€69k€77k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€882€7k▲
Suppliers440/4€882€7k▲
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€4k€4k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€54k€55k▲
Income statement
Code20242025
Remuneration, social security and pensions62€18k€13k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€16k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€22k€63k▲
Operating profit (loss)9901€-19k€32k▲
Financial income75/76B€317€583▲
Recurring financial income75€317€583▲
Financial charges65/66B€510€412▼
Recurring financial charges65€510€412▼
Profit (loss) for the period before taxes9903€-19k€32k▲
Profit (loss) for the period9904€-19k€32k▲
Profit (loss) for the period to be appropriated9905€-19k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€18k▲
Profit (loss) brought forward from the previous period14P€5k€-14k▼
Transfer to equity691/2-€18k
To other reserves6921-€18k
The notes to these accounts (9 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
31-12
Financial
Back to profitnet €32k
Net result €32k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €40k
Net result €40k after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Chièvres · 1 establishment unit since 1996
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 du Bosquet 27950 ChièvresGround area
1,657 m²
Building footprint
130 m²
Volume, LiDAR
792 m³
Parcel 51028A0125/00D000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SECUR LIFE PROTECT SPRL
since 19962.076.303.608
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51028A0125/00D000 | Wallonia | 1,657 m² | 1 · 129 m² | 8.7 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.
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Of 122 companies in sector 26300 we hold annual accounts for 97. 53 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-1996
Fiscal year end31-12
Activities, NACEBEL
26300Manufacture of computer, electronic and optical products
31621
43211General electrical installation work
45310
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.