MORELIVE
ActiveSummary
The computed 12-month bankruptcy probability of MORELIVE is 1.7% (moderate). The 2025 annual accounts show equity of €63k and a net result of €11k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 64% of 18280 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-1
Solvency76▼-13
Growth52=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 2.05 in 2024; short-term debt: 49.5% and cash: 56.2% of total assets), and 49.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
50.5%
Return on assets
9%
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 27-08-2026, 27 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 · 3 filingsDeviation from the deadline
2025
27 d late
2024
21 d late
2023
54 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, micro schema
Equity
€63k▲ 21.6%
2024 · €52k
2023: €44k
2024: €52k
2023 → 2025
Total assets
€125k▲ 54.9%
2024 · €81k
2023: €81k
2024: €81k
2023 → 2025
Net result
€11k▲ 45.4%
2024 · €8k
2023: €41k
2024: €8k
2023 → 2025
Working capital
€16k▼ 47.8%
2024 · €30k
2023: €23k
2024: €30k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€44k-€52k▲ 17.4%€63k▲ 21.6%
Operating result€61k-€14k▼ 76.6%€18k▲ 24.6%
Net result€41k-€8k▼ 81.3%€11k▲ 45.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€48k ▲ 118%
Current assets
€78k ▲ 31.7%
Equity and liabilities €125k
Equity
€63k ▲ 21.6%
Debt
€62k ▲ 115%
Debt's share of the balance-sheet total rises from 35.6% to 49.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €23k
Cash flow
€23k▲
2024 · €17k
Current ratio
1.26▼
2024 · 2.05
Quick ratio
1.22▼
2024 · 2.05
Debt to equity
0.98▲
2024 · 0.55
ROE
17.8%▲
2024 · 14.8%
ROA
9.0%▼
2024 · 9.6%
Interest coverage
202.39▲
2024 · 160.18
Debt ≤ 1 year
€62k▲
2024 · €29k
Income taxes
€7k▲
2024 · €7k
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€81k€125k▲
Fixed assets21/28€22k€48k▲
Tangible fixed assets22/27€22k€48k▲
Land and buildings22-€3k
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€13k€38k▲
Current assets29/58€59k€78k▲
Stocks and contracts in progress3-€2k
Contracts in progress37-€2k
Amounts receivable within one year40/41€6k€4k▼
Trade receivables40€3k€700▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€53k€70k▲
Deferred charges and accrued income490/1€602€671▲
Equity and liabilities
Total equity and liabilities10/49€81k€125k▲
Equity10/15€52k€63k▲
Contributions10/11€3k€3k=
Reserves13€49k€60k▲
Distributable reserves133€49k€60k▲
Amounts payable17/49€29k€62k▲
Amounts payable within one year42/48€29k€62k▲
Trade debts44€8k€22k▲
Suppliers440/4€8k€22k▲
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€6k€7k▲
Other amounts payable47/48€15k€33k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€12k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€28k€35k▲
Operating profit (loss)9901€14k€18k▲
Financial income75/76B€325€325▲
Recurring financial income75€325€325▲
Financial charges65/66B€145€148▲
Recurring financial charges65€145€148▲
Profit (loss) for the period before taxes9903€15k€18k▲
Income taxes67/77€7k€7k▲
Profit (loss) for the period9904€8k€11k▲
Profit (loss) for the period to be appropriated9905€8k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€11k▲
Transfer to equity691/2€8k€11k▲
To other reserves6921€8k€11k▲
The notes to these accounts (7 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Weakest financial yearnet €8k ▼81.3%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 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, Lummen · 1 establishment unit since 2022
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.
Vandermarckestraat 133560 LummenGround area
799 m²
Building footprint
101 m²
Volume, LiDAR
537 m³
Parcel 71037C2100/00A004, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MORELIVE
since 20222.327.548.949
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037C2100/00A004 | Flanders | 799 m² | 1 · 101 m² | 7.5 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
Sanjo Depot
BE 0670.677.301
Brecht · Eq €63,401
A&M CARRELAGES OUTLET
BE 0770.726.168
Ans · Eq €63,035
Antonio Vasco Créations, Entreprise générale
BE 0759.505.941
La Hulpe · Eq €62,534
Carrelage Pierre Beaujean
BE 0639.801.013
Soumagne · Eq €64,518
CARREAUX CERAM
BE 0688.714.549
Sint-Jans-Molenbeek · Eq €61,548
Of 176 companies in sector 47523 we hold annual accounts for 142. 106 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47523Retail trade
43331Floor and wall tiling
46130Agents in the wholesale of timber and building materials
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.