PARTNERS FOR LIFE
ActivePARTNERS FOR LIFE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.02M and a net result of €123k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 91% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+76
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 9.35 against 14.45 in 2024; short-term debt: 7.3% and cash: 4.4% of total assets), and 7.3% 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 · 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
92.7%
Return on assets
11.1%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
25 d late
2023
on the day
2022
92 d late
2021
25 d late
2020
26 d late
2019
89 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.02M▼ 6.3%
2024 · €1.09M
2018: €889k
2019: €1.08M
2020: €1.34M
2021: €1.38M
2022: €1.46M
2023: €1.50M
2024: €1.09M
2018 → 2025
Total assets
€1.10M▼ 3.7%
2024 · €1.15M
2018: €942k
2019: €1.12M
2020: €1.43M
2021: €1.46M
2022: €1.54M
2023: €1.57M
2024: €1.15M
2018 → 2025
Net result
€123k
2024 · €-106k
2018: €307k
2019: €191k
2020: €255k
2021: €125k
2022: €162k
2023: €146k
2024: €-106k
2018 → 2025
Working capital
€677k▼ 7.4%
2024 · €731k
2018: €768k
2019: €891k
2020: €1.18M
2021: €1.21M
2022: €1.31M
2023: €1.13M
2024: €731k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.38M-€1.46M▲ 5.8%€1.50M▲ 3.1%€1.09M▼ 27.4%€1.02M▼ 6.3%
Operating result€169k-€225k▲ 33.4%€195k▼ 13.5%€-112k€140k
Net result€125k-€162k▲ 29.7%€146k▼ 10.0%€-106k€123k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €140k after a loss of €112k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€345k▼ 4.1%
Current assets
€758k▼ 3.5%
Equity and liabilities €1.10M
Equity
€1.02M▼ 6.3%
Debt
€81k▲ 49.1%
The debt ratio rises from 4.7% to 7.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€156k▲
2024 · €-95k
Cash flow
€138k▲
2024 · €-88k
Solvency
92.7%▼
2024 · 95.3%
Current ratio
9.35▼
2024 · 14.45
Quick ratio
9.35▼
2024 · 14.45
Debt / equity
0.08▲
2024 · 0.05
ROE
12.0%▲
2024 · -9.7%
ROA
11.1%▲
2024 · -9.2%
Interest coverage
450.74▲
2024 · -181.46
Debt
€81k▲
2024 · €54k
Debt ≤ 1 year
€81k▲
2024 · €54k
Income taxes
€24k▲
2024 · €142
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€1.15M€1.10M▼
Fixed assets21/28€360k€345k▼
Tangible fixed assets22/27€147k€132k▼
Furniture and vehicles24€109k€104k▼
Other tangible fixed assets26€38k€28k▼
Financial fixed assets28€213k€213k=
Current assets29/58€786k€758k▼
Amounts receivable after more than one year29€681k€581k▼
Other amounts receivable291€681k€581k▼
Amounts receivable within one year40/41€43k€128k▲
Trade receivables40€42k€128k▲
Other amounts receivable41€1k€85▼
Cash at bank and in hand54/58€61k€48k▼
Deferred charges and accrued income490/1-€641
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.10M▼
Equity10/15€1.09M€1.02M▼
Contributions10/11€6k€6k=
Reserves13€1.09M€1.02M▼
Tax-exempt reserves132€19k€19k=
Distributable reserves133€1.07M€998k▼
Amounts payable17/49€54k€81k▲
Amounts payable within one year42/48€54k€81k▲
Trade debts44€49k€18k▼
Suppliers440/4€49k€18k▼
Taxes, remuneration and social security45€5k€61k▲
Taxes450/3€5k€61k▲
Other amounts payable47/48€229€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Other operating charges640/8€631€806▲
Gross operating margin9900€-94k€156k▲
Operating profit (loss)9901€-112k€140k▲
Financial income75/76B€7k€7k▼
Recurring financial income75€7k€7k▼
Financial charges65/66B€521€345▼
Recurring financial charges65€521€345▼
Profit (loss) for the period before taxes9903€-105k€146k▲
Income taxes67/77€142€24k▲
Profit (loss) for the period9904€-106k€123k▲
Transfer from tax-exempt reserves789€3k-
Profit (loss) for the period to be appropriated9905€-103k€123k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-103k€123k▲
Transfer from equity791/2€103k-
Transfer to equity691/2-€123k
To other reserves6921-€123k
The notes to these accounts (6 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €123k
Net result €123k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-106k ▼172%
Net result drops to €-106k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Equity above €1MEq €1.08M ▲21.5%
2 profitable years in a row build equity to €1.08M.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ukkel · 1 establishment unit since 2007
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.
Gendarmendreef 51A1180 UkkelGround area
1,377 m²
Building footprint
219 m²
Volume, LiDAR
1,242 m³
Parcel 21614H0029/00S000, Brussels · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PARTNERS FOR LIFE
since 20072.165.431.067
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0029/00S000 | Brussels | 1,377 m² | 1 · 219 m² | 12.1 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.
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Of 2,715 companies in sector 73200 we hold annual accounts for 1,785. 1,083 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2007
Fiscal year end31-12
Activities, NACEBEL
73200Market research and public opinion polling
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.