Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 4 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Life Finance from Brussel, company number BE0447836825, closed financial year 2025 with a result of € -3,139 after tax. For that financial year Life Finance recorded a gross margin of € 28,356 and equity of € -139,889. Compared with financial year 2024, the result moved from € -9,447 to € -3,139. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 27, 2026.
€ -139,889
▼ € 3,139 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -3,139
▲ 67 % less loss than in 2024
Profit after tax over the fiscal year.
€ 251
▲ € 222 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -214,257.
People and assets in 2025
€ 29,236
▲ 233% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 128,046
▲ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 10,577
▲ 223% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -4,168 | € -2,196 | € -3,335 | € 28,356 | ▲ € 31,691 |
| Profit after taxes | € -85,565 | € -2,642 | € -9,447 | € -3,139 | ▲ € 6,308 |
| Equity | € -124,662 | € -127,304 | € -136,751 | € -139,889 | ▼ € 3,139 |
| Total debts | € 147,302 | € 134,457 | € 139,870 | € 146,057 | ▲ 4% |
| Cash | - | € 1 | € 30 | € 251 | ▲ € 222 |
| Retained profit | € -199,030 | € -201,672 | € -211,119 | € -214,257 | ▼ € 3,139 |
| Balance sheet total | € 22,640 | € 7,153 | € 3,120 | € 6,167 | ▲ 98% |
Key figures of Life Finance, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Life Finance?
What happened at Life Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 3,139. Source: NBB ↗
- New establishment in Brussel. KBO
- Start of the company according to the CBE. KBO
In short
From € 85,565 loss in 2022 to € 3,139 loss in 2025.
A new publication or filing at Life Finance? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Life Finance are Cathy ARDIES and Jean-Marc ARDIES.
Directors
According to the 2025 annual accounts
Cathy ARDIES
Director
Jean-Marc ARDIES
Director
Establishments
Establishment units
Physical locations of this company
Bischoffsheimlaan 39 box 4
1000 Brussel
Bischoffsheimlaan 39
1000 Brussel
Active since 6 August 1992
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0447.836.825
- VAT number
- BE 0447.836.825
- Registered office
- Bischoffsheimlaan 39 bus 4, 1000 Brussel
- Names & denominations
- Life Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 July 1992
- Peppol
- Active · Active since 1 Jan 2026
- Activities · NACE
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