Equity
-€27,847
Debts exceed assets in financial year 2025.
FIVALO
Lifetime
19 annual accounts with figures on one time axis, 33 filings since 1992peak €32,036 (2015)
€9,580▲ €15,372
lowest -€19,653 (2009)
€4,517▲ €14,336
peak -€10,302 (2021)
-€27,847▲ €4,517
€258,658▲ 27.6%
peak 0 FTE (2023)
-not published
Board1 name since 2022
1 director
Documentsfilings and deeds
31-01-2026on the last day
2025micro format
Gross margin from -€5,792 to €9,580Back to profit: €4,517Equity from -€32,364 to -€27,847Debts from €202,745 to €258,658Cash from €590 to €9,158
Key points
from the 2025 annual accountsDebts
€258,658 112% of the balance sheet
Financial debts 14%Suppliers 6%Taxes and wages 0%Other 80%
Of this, €221,474 falls due within a year.
Position in the sector
-€27,847
Less equity than 91% of companies in repair of computers and personal goods. Sector median €46,534 · 3,643 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 1,451 companies had the same profile as FIVALO has now. Each dot stands for 4 companies, two years later.
92.2%
were still trading
4.8%
stopped another way
2.5%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 1,451 companies, not a prediction for FIVALO. 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.
Credit verdict
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0445062427
First establishment
FIVALO BVBA, Mandellaan 34, Roeselare
Incorporation
published on 03-10-1991 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FIVALO Roeselare | €230,811 | €9,580 | -12.1% | - |
| BAW Wevelgem | €222,310 | €10,343 | 34.9% | - |
| GARAGE DE LA PLANCHE Mouscron | €249,171 | €10,450 | 56.9% | - |
| Garage Van Ermen Zaventem | €248,451 | €8,565 | 81.1% | - |
| GARAGE BALLET - PUNIE Alken | €232,418 | €9,857 | 95.1% | - |
| LUNO CAR Bilzen-Hoeselt | €268,885 | €10,039 | 21.3% | - |
| COBBAUT Aalst | €186,681 | €11,782 | 98.0% | - |
These companies have the same main activity as FIVALO: general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311). They are comparable in size and age: total assets between €187,000 and €269,000, founded between 1984 and 1992.
Official details
Source: KBO- Status
- Active since 11-09-1991Normal situation
- Activity
- General maintenance and repair of cars and light vans (up to 3.5 tonnes)NACE 95311and 2 others
- Establishment unit
- 2.054.648.3578800 Roeselare, since 22-10-1991
- Financial year end
- 30 June
- Peppol
- Reachable since 08-12-2025
Annual accounts to 30-06-2025
- ≈ €99,000estimated
- €230,811▲ 35.5%
- Filing
- Filed on 31-01-2026, on the last day of the filing period
Insights on FIVALO
FIVALO files the micro format. That format states no turnover. The gross margin fell from €16,703 in 2007 to €9,580 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 FIVALO
- What is the company number of FIVALO?
- The company number of FIVALO is 0445.062.427. The VAT number is the same number with BE in front: BE 0445.062.427.
- Where is FIVALO based?
- The registered office is at Mandellaan 34, 8800 Roeselare.Company details
- What does FIVALO do?
- According to the KBO register, the main activity is general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311).
- What is the legal form of FIVALO?
- FIVALO is a private limited company (pre-2019) (BVBA).
- When was FIVALO founded?
- FIVALO was founded on 11-09-1991.
- Is FIVALO still active?
- Yes, FIVALO is an active enterprise in the KBO register.
- What is the turnover of FIVALO?
- The turnover in financial year 2025 is ≈ €99,000. This figure is estimated from the gross margin of €9,580 and 36 comparable companies (NACE 95311). It probably lies between €49,000 and €230,000. It is a rough estimate.Financials
- Is FIVALO profitable?
- In financial year 2025, FIVALO made a profit of €4,517.
- Where can I find the annual accounts of FIVALO?
- FIVALO filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FIVALO due?
- FIVALO must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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