Equity
€67,714 from €412,825 in 2023
Equity fell by 84% in 2 years.
Au Jardin du Coeur
Lifetime
7 annual accounts with figures on one time axispeak €4.8m (2025)
€4.8munchanged
peak €327,524 (2022)
€97,250▼ 58.6%
peak €412,825 (2023)
€67,714▼ 6.7%
€1.3m▼ 35.3%
peak 71.3 FTE (2025)
71.3 FTE▲ 2.3%
Board11 names since 2019
3 directorsVIVALTO HOME BELGIUM and 2 others
Owners3 names in the annual accounts
consolidatesVIVALTO HOME BELGIUM and 1 other
Documentsfilings and deeds
19-06-202642 days before the deadline
2025financial year
Result from €234,948 to €97,2503 directors reappointed, 1 statutory auditor reappointed 13-11Dividend €71,074Debts from €2.1m to €1.3mCash from €682,997 to €134,282
Key points
from the 2025 annual accountsResult
€97,250 ▼ 58.6%
The result fell in 2025 from €234,948 to €97,250.
Debts
€1.3m 95% of the balance sheet
Financial debts 26%Suppliers 19%Taxes and wages 42%Other 13%
Of this, €1.2m falls due within a year.
Filings
7 annual accounts since 2019
The last five annual accounts were filed 41 to 48 days before the end of the period.
Board
1 joined · 1 left
Board changed. Latest change 22-05-2026 · 2 in office.
Position in the sector
€67,714
Less equity than 84% of companies in residential care. Sector median €860,157 · 702 companies.
Checked score
87
Excellent
Financially stronger than 30% of medium-sized companies in residential care (NACE 87)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 536 companies (NACE 87, medium-sized).
About 2 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 12-2024lowest value
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 12-2025
02-2026: 0.1%● unchanged vs 01-2026
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: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026highest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Equity €67,714 (4.8% of total assets)
lowers risk
Sector: Residential care activities (NACE 87)
Figures for financial year 2025 (filed on 19-06-2026)
Profit of €97,250 (financial year 2025)
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 (NACE 87, medium-sized). It does better than 15% of them on solvency, 7% on liquidity, 77% on profitability and 20% on growth.
The bankruptcy probability was computed on 10-11-2026 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, 166 companies had the same profile as Au Jardin du Coeur has now. Each dot is one company, two years later.
97.0%
were still trading
1.8%
stopped another way
1.2%
went bankrupt
That fits the bankruptcy probability of Au Jardin du Coeur itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,448 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 166 companies, not a prediction for Au Jardin du Coeur. 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
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.92 (0.95 in 2024), below 1. Short-term debt is 87.6% and cash 9.6% of total assets. 95.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 702 sector peers (2025).
NBB · sector comparisonPosition among 702 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-06-2026, 42 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
42 days early
2024
48 days early
2023
41 days early
2022
45 days early
2021
41 days early
2020
50 days early
2019
49 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 45 days before the deadline. In the sector (NACE 87), the median for financial year 2024 was 27 days before the deadline, and 25% of those companies filed 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 19 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- VIVALTO HOME BELGIUM 100%equity €47.0m (2025) · 2025 annual accounts of VIVALTO HOME BELGIUM
- VIVALTO HOME BELGIUM SA consolidatesannual accounts 2025
- VIVALTO VIE HOLDING consolidatesannual accounts 2025
Recent changes
1 director appointed, 2 resignations
Appointment: Valérie Fraylich (day-to-day manager) · Resignations: Guillaume Raoux and Jean-Claude Demeuse (day-to-day manager) · General meeting of 22-05-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0729782864
3 directors reappointed, 1 statutory auditor reappointed
Jean-Claude DEMEUSE, Guillaume RAOUX, VIVALTO HOME BELGIUM and Eorvis Mazars Réviseurs d'Entreprises (statutory auditor) · General meeting of 13-05-2025 · Gazette deed
Appointment: Charles-Antoine della Faille de Leverghem (director)
“L’acquisition,la création,la cession,l’exploitation,la gestion,le développement et la liquidation…” (deed in French) · VIVALTO HOME BELGIUM holds all the shares · General meeting of 31-01-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Au Jardin du Coeur Fléron | - | - | 4.8% | 71.3 |
| RÉSIDENCE DU SARTAGE Herstal | - | - | -214.5% | 89 |
| Residentie Rozenhof Anderlecht | €3.9m | -9.3% | -231.8% | 55.6 |
| Maasmeander Maasmechelen | €7.4m | 2.4% | -36.9% | 69.6 |
| Wijgmaalbroek Leuven | €6.8m | 2.2% | -3.1% | 59.3 |
| WOONZORGCENTRUM WALFERGEM Asse | €8.9m | 10.5% | 71.2% | 76 |
| RESIDENCE LES TAMARIS Evere | - | - | 22.2% | 74.3 |
These companies have their main activity in the same NACE class as Au Jardin du Coeur: residential care activities (NACE 8710). With exactly the same main activity (NACE 87109), too few companies are of comparable size. They are comparable in size and age: total assets between €715,000 and €6m, founded between 2011 and 2019.
Official details
Source: KBO- Status
- Active since 04-07-2019Normal situation
- Activity
- Residential care activitiesNACE 87109and 1 other
- Joint committee
- 330Health institutions and services · annual accounts 2025
- Establishment unit
- 2.291.687.7524620 Fléron, since 04-07-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 01-12-2025
Annual accounts 2025
- ≈ €5.9mestimated
- €1.4m▼ 34.4%
- Employeeson 31-12-2025
- 101▲ 4.1%
- Filing
- Filed on 19-06-2026, 42 days before the end of the filing period
Insights on Au Jardin du Coeur
Au Jardin du Coeur has existed since 2019. The gross margin grew from €3.5m in 2019 to €4.8m in 2025.
The gross margin has grown every year since 2021.
VIVALTO HOME BELGIUM holds all the shares. In August 2026, the Official Gazette published the appointment of Valérie Fraylich as managing director.
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 Au Jardin du Coeur
- What is the company number of Au Jardin du Coeur?
- The company number of Au Jardin du Coeur is 0729.782.864. The VAT number is the same number with BE in front: BE 0729.782.864.
- Where is Au Jardin du Coeur based?
- The registered office is at Rue de Magnée 82, 4620 Fléron.Company details
- What does Au Jardin du Coeur do?
- According to the KBO register, the main activity is residential care activities (NACE 87109).
- What is the legal form of Au Jardin du Coeur?
- Au Jardin du Coeur is a public limited company (NV).
- When was Au Jardin du Coeur founded?
- Au Jardin du Coeur was founded on 04-07-2019.
- Is Au Jardin du Coeur still active?
- Yes, Au Jardin du Coeur is an active enterprise in the KBO register.
- How many employees does Au Jardin du Coeur have?
- Au Jardin du Coeur had an average of 71.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Au Jardin du Coeur fall under?
- In its 2025 annual accounts, Au Jardin du Coeur states joint committee 330 (Health institutions and services).
- What is the turnover of Au Jardin du Coeur?
- The turnover in financial year 2025 is ≈ €5.9m. This figure is estimated from the gross margin of €4.8m and 103 comparable companies (NACE 87). It probably lies between €5.0m and €6.6m.
- Is Au Jardin du Coeur profitable?
- In financial year 2025, Au Jardin du Coeur made a profit of €97,250.
- Where can I find the annual accounts of Au Jardin du Coeur?
- Au Jardin du Coeur filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Au Jardin du Coeur due?
- Au Jardin du Coeur must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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