TOP LIVING
ActiveTOP LIVING has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 11210 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-58
Solvency52▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.3 in 2024; short-term debt: 72.7% and cash: 36% of total assets), and 72.7% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
27.3%
Return on assets
1.8%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
16 d early
2023
2 d early
2022
5 d early
2021
13 d early
2020
26 d late
2019
14 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▲ 7.0%
2024 · €73k
2018: €-4k
2019: €-21k
2020: €10k
2021: €27k
2022: €25k
2023: €-36k
2024: €73k
2018 → 2025
Total assets
€284k▼ 9.5%
2024 · €314k
2018: €974k
2019: €938k
2020: €939k
2021: €955k
2022: €959k
2023: €873k
2024: €314k
2018 → 2025
Net result
€5k▼ 98.3%
2024 · €305k
2018: €-14k
2019: €-17k
2020: €30k
2021: €18k
2022: €-2k
2023: €-61k
2024: €305k
2018 → 2025
Working capital
€78k▲ 7.0%
2024 · €73k
2018: €-136k
2019: €-155k
2020: €-127k
2021: €-111k
2022: €-206k
2023: €-393k
2024: €73k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€25k▼ 8.5%€-36k€73k€78k▲ 7.0%
Operating result€9k-€-13k€-68k▼ 433%€305k€7k▼ 97.7%
Net result€18k-€-2k€-61k▼ 2,532%€305k€5k▼ 98.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 98% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €284k
Equity
€78k▲ 7.0%
Debt
€207k▼ 14.5%
The debt ratio falls from 76.9% to 72.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
27.3%▲
2024 · 23.1%
Current ratio
1.37▲
2024 · 1.30
Quick ratio
1.11▲
2024 · 1.04
Debt / equity
2.67▼
2024 · 3.34
ROE
6.5%▼
2024 · 420.8%
ROA
1.8%▼
2024 · 97.1%
Debt
€207k▼
2024 · €242k
Debt ≤ 1 year
€207k▼
2024 · €242k
Income taxes
€2k▼
2024 · €4k
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€314k€284k▼
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Land and buildings22€0-
Plant, machinery and equipment23€0-
Current assets29/58€314k€284k▼
Stocks and contracts in progress3€64k€55k▼
Stocks30/36€64k€55k▼
Amounts receivable within one year40/41€103k€127k▲
Trade receivables40€40k€70k▲
Other amounts receivable41€63k€57k▼
Cash at bank and in hand54/58€143k€103k▼
Deferred charges and accrued income490/1€4k€82▼
Equity and liabilities
Total equity and liabilities10/49€314k€284k▼
Equity10/15€73k€78k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€0-
Reserves13€49k€53k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€0-
Distributable reserves133€47k€51k▲
Profit (loss) carried forward14€5k€6k▲
Amounts payable17/49€242k€207k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€242k€207k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€22k€3k▼
Suppliers440/4€22k€3k▼
Advances received on contracts in progress46€8k€0▼
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€207k€198k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€340k€0▼
Other operating charges640/8€22k€1k▼
Gross operating margin9900€327k€8k▼
Operating profit (loss)9901€305k€7k▼
Financial income75/76B€4k€623▼
Recurring financial income75€4k€623▼
Financial charges65/66B€664€854▲
Recurring financial charges65€664€854▲
Profit (loss) for the period before taxes9903€309k€7k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€305k€5k▼
Transfer from tax-exempt reserves789€6k€0▼
Profit (loss) for the period to be appropriated9905€312k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-132k€10k▲
Profit (loss) brought forward from the previous period14P€-443k€5k▲
Transfer from equity791/2€177k€0▼
Transfer to equity691/2€40k€4k▼
To other reserves6921€40k€4k▼
The notes to these accounts (1 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €305k
Net result €305k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.30
Current ratio from 0.57 to 1.30; short-term debt falls from €908k to €242k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-61k
Net result drops to €-61k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-12
Financial
Back to profitnet €30k
Net result €30k after 2 loss-making years.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lanaken · 1 establishment unit since 1995
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.
Kromme Weg 293620 LanakenGround area
1,779 m²
Building footprint
176 m²
Volume, LiDAR
870 m³
Parcel 73042B0191/00E000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOP LIVING
since 19952.072.394.013
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042B0191/00E000 | Flanders | 1,779 m² | 1 · 175 m² | 9.1 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
GeniOS
BE 0479.203.655
Kortrijk · Eq €78k
PATH
BE 0465.548.233
Sint-Niklaas · Eq €77k
Sico
BE 0413.048.764
Bilzen-Hoeselt · Eq €79k
Tradix
BE 0400.447.672
Elsene · Eq €77k
Interhal Select Belux
BE 0831.093.228
Baarle-Hertog · Eq €79k
Of 679 companies in sector 46494 we hold annual accounts for 530. 341 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-05-1995
Fiscal year end31-12
Activities, NACEBEL
46494Wholesale of non-electrical household articles
51471
46620Wholesale of machine tools
47551Retail sale of household furniture
47552Retail sale of lighting equipment
47591Retail trade
47592Retail trade
47761Retail sale of flowers, plants, seeds and fertilisers
52441
52442
52483
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.