Thuis Leven
ActiveSummary
Thuis Leven has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-1.57M) and a net result of €-449k. Equity is shrinking by ~38.7% per year across the filed fiscal years. Its solvency ranks better than 9% of 462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability21▼-1
Solvency9▼-6
Growth32=
Track record94
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 1.95 against 7.2 in 2024; short-term debt: 1.8% and cash: 1.6% of total assets), but equity is negative.
Credit check 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 87
Relative position
BE, all sectors
reference
Sector 87
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-15.6%
Return on assets
-4.5%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-1.57M
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-06-2026, 58 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
58 d early
2024
38 d early
2023
61 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-1.57M▼ 40.1%
2024 · €-1.12M
2023: €-701k
2024: €-1.12M
2023 → 2025
Total assets
€10.07M▼ 5.7%
2024 · €10.68M
2023: €11.30M
2024: €10.68M
2023 → 2025
Net result
€-449k▼ 7.3%
2024 · €-418k
2023: €-284k
2024: €-418k
2023 → 2025
Working capital
€176k▼ 65.8%
2024 · €513k
2023: €160k
2024: €513k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-701k-€-1.12M▼ 59.7%€-1.57M▼ 40.1%
Operating result€74k-€-51k€-93k▼ 81.9%
Net result€-284k-€-418k▼ 47.3%€-449k▼ 7.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €93k in 2025 against €51k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.07M
Fixed assets
€9.71M ▼ 3.7%
Current assets
€361k ▼ 39.4%
Key figures and ratios
EBITDA
€307k▼
2024 · €350k
Cash flow
€-49k▼
2024 · €-17k
Solvency
-15.6%▼
2024 · -10.5%
Current ratio
1.95▼
2024 · 7.20
Debt to equity
-7.42▲
2024 · -10.54
ROA
-4.5%▼
2024 · -3.9%
Interest coverage
0.90▼
2024 · 1.00
Debt
€11.64M▼
2024 · €11.80M
Debt ≤ 1 year
€185k▲
2024 · €83k
Debt > 1 year
€11.35M=
2024 · €11.35M
Income taxes
€16k▼
2024 · €16k
Staff costs
€159k▲
2024 · €135k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€10.68M€10.07M▼
Fixed assets21/28€10.09M€9.71M▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€10.09M€9.71M▼
Land and buildings22€10.08M€9.68M▼
Plant, machinery and equipment23-€24k
Furniture and vehicles24€7k€4k▼
Current assets29/58€596k€361k▼
Amounts receivable within one year40/41€158k€167k▲
Trade receivables40€158k€167k▲
Cash at bank and in hand54/58€418k€164k▼
Deferred charges and accrued income490/1€19k€30k▲
Equity and liabilities
Total equity and liabilities10/49€10.68M€10.07M▼
Equity10/15€-1.12M€-1.57M▼
Profit (loss) carried forward14€-1.12M€-1.57M▼
Amounts payable17/49€11.80M€11.64M▼
Amounts payable after more than one year17€11.35M€11.35M=
Financial debts170/4€11.35M€11.35M=
Amounts payable within one year42/48€83k€185k▲
Trade debts44€39k€148k▲
Suppliers440/4€39k€148k▲
Taxes, remuneration and social security45€41k€34k▼
Taxes450/3€23k€15k▼
Remuneration and social security454/9€18k€19k▲
Accrued charges and deferred income492/3€370k€106k▼
Income statement
Code20242025
Remuneration, social security and pensions62€135k€159k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€402k€400k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€487k€469k▼
Operating profit (loss)9901€-51k€-93k▼
Financial income75/76B€0€729▲
Recurring financial income75€0€729▲
Financial charges65/66B€351k€341k▼
Recurring financial charges65€351k€341k▼
Profit (loss) for the period before taxes9903€-402k€-433k▼
Income taxes67/77€16k€16k▼
Profit (loss) for the period9904€-418k€-449k▼
Profit (loss) for the period to be appropriated9905€-418k€-449k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1.12M€-1.57M▼
Profit (loss) brought forward from the previous period14P€-701k€-1.12M▼
Social balance
Average headcount (FTE)90871.81.8=
The notes to these accounts (20 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-449k
Net result drops to €-449k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 6current ratio 7.20
Current ratio from 1.25 to 7.20; short-term debt falls from €649k to €83k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Arendonk · 3 establishment units since 2021
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.
Hoge Mauw 15102370 ArendonkGround area
1.5 ha
Building footprint
1,525 m²
Volume, LiDAR
5,944 m³
3 parcels, Flanders · tallest building 16.9 m, ±1 floor. Linked by address, not a title deed.
3 establishment units
Thuis Leven
since 20212.319.268.515
Klapgat 6-8, 3150 Haacht
since 20212.347.153.540
Veststraat 100-106, 2490 Balen
since 20212.347.154.233
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003A1854/00A000 | Flanders | 5,922 m² | 1 · 624 m² | 14.9 m · 1 fl. |
| 13322C1203/00E000 | Flanders | 4,994 m² | 1 · 391 m² | 0.0 m |
| 24033F0451/00X000 | Flanders | 4,099 m² | 1 · 509 m² | 16.9 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
2025 · 1 entry · 18,541 EUR awarded · 18,541 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 18,541 EUR | 18,541 EUR |
Schemes
Subsidies aan lokale dienstencentra, thuiszorgvoorzieningen en mantelzorgvoorzieningen
Recognitions · licences · registrations
Care and welfare
4 servicesKlapgat
Klapgat
LDC De Klapper
Residentie De Anjers
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Of 150 companies in sector 87302 we hold annual accounts for 85. 37 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded09-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
87302Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.