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 2 of the last 2 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
Set4Life from Knokke-Heist, company number BE1014989984, closed financial year 2025 with a result of € -85,810 after tax. For that financial year Set4Life recorded a gross margin of € -52,383 and equity of € -286,864. Compared with financial year 2024, the result moved from € -231,650 to € -85,810. 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 August 31, 2026.
€ -286,864
▼ € 85,810 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -85,810
▲ 63 % less loss than in 2024
Profit after tax over the fiscal year.
€ 65,587
▲ 55% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -317,460.
People and assets in 2025
€ 9
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 25,638
▲ 46% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 512,000
▲ 109% vs 2024
Loans from banks and other lenders, long and short.
€ 287,647
▲ 154% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 50,633
▲ € 38,748 vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|
| Gross margin | € -208,065 | € -52,383 | ▲ € 155,682 |
| Profit after taxes | € -231,650 | € -85,810 | ▲ € 145,840 |
| Equity | € -201,054 | € -286,864 | ▼ € 85,810 |
| Total debts | € 531,396 | € 1,255,005 | ▲ 136% |
| Cash | € 42,223 | € 65,587 | ▲ 55% |
| Retained profit | € -231,650 | € -317,460 | ▼ € 85,810 |
| Bank debt | € 245,000 | € 512,000 | ▲ 109% |
| Balance sheet total | € 330,342 | € 968,141 | ▲ 193% |
Key figures of Set4Life, fiscal years 2024 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 Set4Life?
What happened at Set4Life in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 85,810. filed late Source: NBB ↗
- New establishment in Knokke-Heist. KBO
- Start of the company according to the CBE. KBO
In short
From € 231,650 loss in 2024 to € 85,810 loss in 2025.
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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 Set4Life is Luc Verhaegen. Luc Verhaegen is also behind NOVA.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Hazenpad 4
8301 Knokke-Heist
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 1014.989.984
- VAT number
- BE 1014.989.984
- Registered office
- Hazenpad 4, 8301 Knokke-Heist
- Names & denominations
- Set4Life
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 October 2024
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
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