SUS4Life · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SUS4Life is 0.7% (low). The 2025 annual accounts show equity of €171k and a net result of €87k. Its solvency ranks better than 82% of 1090 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 82% of 1090 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	02-06-2026	59 d early	2026-00132142
31-12-2024	31-07-2025	02-06-2025	59 d early	2025-00113395

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2024, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.7% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€87k+11.1%

Working capital€167k+104.4%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 02-06-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 82 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	82.6%	51.3%	better than 82% of 1090 sector peers
Net result	€87k	€24k	better than 86% of 1090 sector peers
Equity	€171k	€51k	better than 83% of 1091 sector peers
Gross operating margin	€116k	€45k	better than 82% of 1090 sector peers
Total assets	€207k	€117k	better than 70% of 1092 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€115k

+12.5% 24-25

Net profit

€87k

+11.1% 24-25

Cash flow

€88k

+11.3% 24-25

Total assets

€207k

+81.5% 24-25

Equity

€171k

+104.5% 24-25

Working capital

€167k

+104.4% 24-25

Income taxes

€25k

+17.3% 24-25

Debt

€36k

+18.3% 24-25

Show 8 other metrics

Debt ≤ 1y

€36k

+18.3% 24-25

Current ratio

5.62

+52.9% 24-25

Quick ratio

5.62

+52.9% 24-25

Solvency

82.6%

+12.7% 24-25

Debt / equity

0.21

-42.1% 24-25

ROE

51.1%

-45.7% 24-25

ROA

42.2%

-38.8% 24-25

Interest coverage

41.18

+2.2% 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€115k
Net profit	€87k
Cash flow	€88k
Staff costs	-
Income taxes	€25k
Dividends	-
Total assets	€207k
Equity	€171k
Debt	€36k
of which ≤ 1y	€36k
of which > 1y	-
Working capital	€167k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	5.62
Quick ratio	5.62
Working capital ratio	80.5%
Solvency	82.6%
Debt / equity	0.21
Long-term debt ratio	-
Interest coverage	41.18
Gross margin	-
Net margin	-
ROA	42.2%
ROE	51.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €4k · 2.1% Current assets €203k · 97.9%

Equity & liabilities

Equity €171k · 82.6% Debt €36k · 17.4%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€207k
Fixed assets	21/28	€4k
Tangible fixed assets	22/27	€4k
Current assets	29/58	€203k
Amounts receivable within one year	40/41	€19k
Cash & bank	54/58	€158k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€207k
Equity	10/15	€171k
Contributions / capital	10/11	€5k
Reserves	13	€166k
Amounts payable	17/49	€36k
Amounts payable within one year	42/48	€36k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€116k
Operating result	9901	€115k
Financial income	75	€9
Financial charges	65	€3k
Result before taxes	9903	€112k
Income taxes	67/77	€25k
Net result for the period	9904	€87k
Result to be appropriated	9905	€87k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

SUS4Life

Driebunderweg 7, 2830 WillebroekOverige dienstverlenende activiteiten op het gebied van informatie, n.e. g.

since 20242.355.560.965

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area817 m²

Buildings1

Building footprint200 m²

Volume (LiDAR)1,289 m³

Tallest building8.7 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)