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ONE LIFE

Active
Private limited companyfounded 2019active for 7 yearsRubenslei 31, 2018 Antwerpen, BelgiumKBO/BCE: BE 0732.997.425
Summary

The computed 12-month bankruptcy probability of ONE LIFE is 2.2% (moderate). The annual accounts of ONE LIFE for financial year 2025 show a net loss of 82% of the equity at the start of that year. The 2025 annual accounts show equity of €7,874 and a net result of -€36,878. Equity has been shrinking by about 26% per year since 2020. If that trend continues, it turns negative around financial year 2026. Its solvency ranks better than 10% of 34,946 sector peers (NACE 43, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 29-08-2019 Normal situation
Registered office
10 active companies are registered at this address Source: KBO register, as of 3 November 2026.
Activity
Other building finishing work NACE 43350and 1 other
Establishment unit
2.295.814.014 2018 Antwerpen, since 29-08-2019
Financial year end
31 December
Peppol
Reachable since 24-11-2023

Board and ownership

Board
  • Ben-Shamil AnzorDirector · since 29-08-2019
  • De Decker JohnDirector · since 29-08-2019

Financial position

50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.2%
Annual accounts 2025
Gross margin
-€24,119
▼ 10.4%
Loss
€36,878
▲ 29.1%
Equity
€7,874
▼ 82.4%
Total assets
€1.2m
▲ 15.7%
Turnover not published (micro format)
Score breakdownraises riskLiquidity: current ratio 1.01, cash €0, halvedEquity €7,874 (0.7% of total assets)Sector: Specialised construction activities (NACE 43)lowers riskSize: total assets €1.2mShow the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 8% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Weak
Solvency 26-3
equity 0.7% of total assets
Liquidity 0=
short-term debt 99.3% · cash 0.0%
Profitability 30=
return on assets -3.2%
Bankruptcy probability within 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,675 companies, NACE 43, micro)
Last 24 months 12-2024: 2.2% 01-2025: 2.2%● unchanged vs 12-2024 02-2025: 2.2%● unchanged vs 01-2025 03-2025: 2.2%● unchanged vs 02-2025 04-2025: 2.3%▲ +0.1 percentage points vs 03-2025 05-2025: 2.2%▼ -0.1 percentage points vs 04-2025 06-2025: 2.2%● unchanged vs 05-2025 07-2025: 2.3%▲ +0.1 percentage points vs 06-2025 08-2025: 2.4%▲ +0.1 percentage points vs 07-2025 09-2025: 2.4%● unchanged vs 08-2025 10-2025: 2.4%● unchanged vs 09-2025highest value 11-2025: 2.4%● unchanged vs 10-2025highest value 12-2025: 2.2%▼ -0.2 percentage points vs 11-2025 01-2026: 2.2%● unchanged vs 12-2025 02-2026: 2.2%● unchanged vs 01-2026 03-2026: 2.2%● unchanged vs 02-2026 04-2026: 2.2%● unchanged vs 03-2026 05-2026: 2.1%▼ -0.1 percentage points vs 04-2026 06-2026: 2.0%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: 2.1%▲ +0.1 percentage points vs 06-2026 08-2026: 2.2%▲ +0.1 percentage points vs 07-2026 09-2026: 2.2%● unchanged vs 08-2026 10-2026: 2.2%● unchanged vs 09-2026 11-2026: 2.2%● unchanged vs 10-2026
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.01 (1.05 in 2024), below the usual 1.5. Short-term debt is 99.3% and cash 0% of total assets. 99.3% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 9% of them on solvency, 1% on liquidity, 16% on profitability and 5% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 1.01, cash €0, halved
NBB · annual accounts
lowers risk · Size: total assets €1.2m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €7,874 (0.7% of total assets)
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
202122232425
2020 to 2025 · latest year -€36,878
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 34946 sector peers (2025).
NBB · sector comparison
Position among 34946 sector peers
Solvency
better than 10%
← weakest strongest →
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 06-07-2026, 25 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
25 days early
2024
22 days early
2023
28 days early
2022
27 days early
2021
31 days early
2020
23 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 26 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: 3 loss-making years in a rowloss in financial year 2025 -€36,878 View
  • Caution: Lower net result than 95% of companies in specialised constructionsector median €10,221 · 34,933 companies -€36,878 View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View

Recent changes

  1. · Gazette deed Incorporation
All 8 events

Comparable companies

These companies have the same main activity as ONE LIFE: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €356,000 and €794,000, founded between 2012 and 2020.

CompanyTotal assetsGross margin
ONE LIFE Antwerpen€1.2m-€0.02m
RENOLA Pittem€0.8m-€0.02m
KVL Invest Herentals€0.8m-€0.04m
Garcia Invest & Solutions Edegem€0.4m-€0.03m
Zeno Vastgoed Mortsel€0.4m-€0.05m
D.B. ESTATE Fleurus€0.6m-€0.01m
NET LUX INDUSTRIE Chapelle-lez-Herlaimont€0.7m-€0.06m
Full comparison

Key facts about ONE LIFE

What is the company number of ONE LIFE?
The company number of ONE LIFE is 0732.997.425. The VAT number is the same number with BE in front: BE 0732.997.425.
Where is ONE LIFE based?
The registered office is at Rubenslei 31, 2018 Antwerpen.Company details
What does ONE LIFE do?
According to the KBO register, the main activity is other building finishing work (NACE 43350).
What is the legal form of ONE LIFE?
The legal form of ONE LIFE is Private limited company (BV).
When was ONE LIFE founded?
ONE LIFE was founded on 29-08-2019.
Is ONE LIFE still active?
Yes, ONE LIFE is an active enterprise in the KBO register.
What is the turnover of ONE LIFE?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
Is ONE LIFE profitable?
In financial year 2025, ONE LIFE made a loss of €36,878.
Where can I find the annual accounts of ONE LIFE?
ONE LIFE filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ONE LIFE due?
ONE LIFE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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