MLIVING
ActiveMLIVING has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176k and a net result of €48k. Equity is growing by ~48.5% per year across the filed fiscal years. Its solvency ranks better than 56% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-31
Solvency64▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 2.15 in 2024; short-term debt: 44.5% and cash: 47.8% of total assets), but 61.4% 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
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
38.6%
Return on assets
10.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-01-2026, 23 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
23 d early
2024
18 d early
2023
47 d early
2022
46 d early
2021
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€176k▲ 2.7%
2024 · €171k
2021: €34k
2022: €46k
2023: €87k
2024: €171k
2021 → 2025
Total assets
€455k▲ 32.1%
2024 · €344k
2021: €157k
2022: €159k
2023: €254k
2024: €344k
2021 → 2025
Net result
€48k▼ 43.2%
2024 · €84k
2021: €32k
2022: €11k
2023: €41k
2024: €84k
2021 → 2025
Working capital
€202k▲ 33.6%
2024 · €151k
2021: €46k
2022: €29k
2023: €118k
2024: €151k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€46k▲ 33.3%€87k▲ 89.1%€171k▲ 97.4%€176k▲ 2.7%
Operating result€45k-€14k▼ 70.0%€54k▲ 298%€122k▲ 127%€66k▼ 46.2%
Net result€32k-€11k▼ 64.6%€41k▲ 257%€84k▲ 107%€48k▼ 43.2%
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 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €455k
Fixed assets
€50k▼ 17.9%
Current assets
€404k▲ 43.0%
Equity and liabilities €455k
Equity
€176k▲ 2.7%
Debt
€279k▲ 61.3%
The debt ratio rises from 50.3% to 61.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€91k▼
2024 · €145k
Cash flow
€73k▼
2024 · €107k
Solvency
38.6%▼
2024 · 49.7%
Current ratio
2.00▼
2024 · 2.15
Quick ratio
1.44▼
2024 · 2.06
Debt / equity
1.59▲
2024 · 1.01
ROE
27.3%▼
2024 · 49.3%
ROA
10.5%▼
2024 · 24.5%
Interest coverage
4.37▼
2024 · 7.72
Debt
€279k▲
2024 · €173k
Debt ≤ 1 year
€203k▲
2024 · €132k
Debt > 1 year
€5k▼
2024 · €19k
Income taxes
€20k▼
2024 · €36k
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€344k€455k▲
Fixed assets21/28€61k€50k▼
Tangible fixed assets22/27€60k€49k▼
Land and buildings22-€1k
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€57k€44k▼
Financial fixed assets28€2k€2k=
Current assets29/58€283k€404k▲
Stocks and contracts in progress3€11k€112k▲
Stocks30/36€11k€112k▲
Amounts receivable within one year40/41€143k€65k▼
Trade receivables40€126k€31k▼
Other amounts receivable41€17k€34k▲
Cash at bank and in hand54/58€113k€217k▲
Deferred charges and accrued income490/1€16k€10k▼
Equity and liabilities
Total equity and liabilities10/49€344k€455k▲
Equity10/15€171k€176k▲
Contributions10/11€2k€2k=
Reserves13€169k€174k▲
Distributable reserves133€169k€174k▲
Amounts payable17/49€173k€279k▲
Amounts payable after more than one year17€19k€5k▼
Financial debts170/4€19k€5k▼
Amounts payable within one year42/48€132k€203k▲
Current portion of amounts payable after more than one year42€14k€14k▼
Trade debts44€53k€64k▲
Suppliers440/4€53k€64k▲
Taxes, remuneration and social security45€56k€81k▲
Taxes450/3€56k€81k▲
Other amounts payable47/48€9k€43k▲
Accrued charges and deferred income492/3€22k€71k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€25k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€8k€12k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€154k€104k▼
Operating profit (loss)9901€122k€66k▼
Financial income75/76B€17k€23k▲
Recurring financial income75€17k€23k▲
Financial charges65/66B€19k€21k▲
Recurring financial charges65€19k€21k▲
Profit (loss) for the period before taxes9903€121k€68k▼
Income taxes67/77€36k€20k▼
Profit (loss) for the period9904€84k€48k▼
Profit (loss) for the period to be appropriated9905€84k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€48k▼
Transfer from equity791/2-€43k
Transfer to equity691/2€84k€48k▼
To other reserves6921€84k€48k▼
Profit to be distributed694/7-€43k
Return on contributions (dividend)694-€43k
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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2021net €84k ▲107%
Operating result €122k, net result €84k, both a record.
30-06
Financial
Equity above €150kEq €171k ▲97.4%
4 profitable years in a row build equity to €171k.
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
16-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Weakest financial yearnet €11k ▼64.6%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
14-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
13-12-2021
Debruyne Nicolas: Resigned as Director
13-12-2021
Sierens Kris: Resigned as Director
12-10-2020
Vanbecelaere Kurt: Resigned as Director
Location & real-estate footprint
Registered office, Wortegem-Petegem · 1 establishment unit since 2019
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.
Waregemseweg (W.) 48A9790 Wortegem-PetegemGround area
670 m²
Building footprint
213 m²
Volume, LiDAR
1,448 m³
Parcel 45055C0020/00D002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
F.IGUR
since 20192.298.872.185
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45055C0020/00D002 | Flanders | 670 m² | 1 · 213 m² | 8.9 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 1,248 EUR awarded · 1,248 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 123 EUR | 123 EUR |
| 2023 | 1 | 317 EUR | 317 EUR |
| 2022 | 1 | 808 EUR | 808 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
STRADISS
BE 0688.727.813
Sint-Martens-Latem · Eq €176k
MEUBLES CONFORT
BE 0867.258.588
Charleroi · Eq €176k
CBG IMMO
BE 0722.629.610
Herve · Eq €176k
BOUWWERKEN FRANCKX
BE 0838.567.374
Koksijde · Eq €176k
D & D DOMUS CONSTRUCT
BE 0474.880.722
Elsene · Eq €175k
Of 9,697 companies in sector 68121 we hold annual accounts for 7,382. 5,349 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2019
Fiscal year end30-06
Trade name NL
F.IGUR
Activities, NACEBEL
68121Development of residential building projects
41001General construction of residential buildings
41003General construction of other non-residential buildings
68122Development of non-residential building projects
43120Site preparation
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.