Deficits
-€3,134 in six years
Every financial year from 2020 to 2025 closed with a deficit. 2020 was the heaviest.
De Vive Voix
Lifetime
6 annual accounts with figures on one time axispeak -€64 (2024)
-€437▼ €373
lowest -€960 (2020)
-€482▼ €373
peak €6,899 (2020)
€4,725▼ 9.3%
-not published
Board6 names since 2019
3 directorsBrigitte Lejeune and 2 others
Documentsfilings and deeds
27-10-202688 days late
2025micro format
Gross margin from -€64 to -€437Loss of €482
Key points
from the 2025 annual accountsFilings
6 annual accounts 88 days
Latest accounts filed late: after the legal deadline.
Turnover not published (micro format)
Checked score
94
Excellent
Financially stronger than 54% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026highest value
11-2026: < 0.1%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 88 days late; 1 of the last 3 accounts late
lowers risk
Legal form: non-profit association
Founded in 1974
Size: total assets €4,725
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 (no NACE code, micro). It does better than 81% of them on solvency, 95% on liquidity, 13% on profitability and 25% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as De Vive Voix has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of De Vive Voix itself is lower: < 0.1% within 12 months. It rests on far more data about De Vive Voix than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for De Vive Voix. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 88 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-10-2026, 88 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
88 days late
2024
21 days late
2023
64 days early
2022
18 days early
2021
80 days early
2020
67 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 6 accounts on average 20 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were 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 13 July (4 of the last 5 accounts filed within 62 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
Recent changes
3 directors reappointed
Laurent DEMANEZ, Brigitte LEJEUNE and Sabine PIRSON · General meeting of 24-06-2021 · Gazette deed
3 directors appointed, 3 resignations
Admissions: Marie-Noëlle Serville, Sabine Pirson, Laurent Demanez and Brigitte Lejeune · Withdrawals: Jehasse Sabine, Carole Ziemons and Claude Tilkin · Resignations: Jehasse Sabine (chair), Carole Ziemons (secretary) and Claude Tilkin (treasurer) · General meeting of 10-07-2019 · Gazette deed
Official details
Source: KBO- Status
- Active since 14-01-1974Normal situation
- Activity
- “Elle peut se livrer à toutes les activités dont l objectif est le soutien…” (deed in French)From the articles, 6 activitiesNo NACE code in the KBO yet
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on De Vive Voix
De Vive Voix files the micro format. That format states no turnover. The gross margin fell from -€375 in 2021 to -€437 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about De Vive Voix
- What is the company number of De Vive Voix?
- The company number of De Vive Voix is 0413.922.259. The VAT number is the same number with BE in front: BE 0413.922.259.
- Where is De Vive Voix based?
- The registered office is at Chaussée Churchill 79, 4420 Saint-Nicolas.Company details
- What is the legal form of De Vive Voix?
- De Vive Voix is a non-profit association (VZW).
- When was De Vive Voix founded?
- De Vive Voix was founded on 14-01-1974.
- Is De Vive Voix still active?
- Yes, De Vive Voix is an active enterprise in the KBO register.
- What is the turnover of De Vive Voix?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is De Vive Voix profitable?
- In financial year 2025, De Vive Voix made a loss of €482.
- Where can I find the annual accounts of De Vive Voix?
- De Vive Voix filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of De Vive Voix due?
- De Vive Voix must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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