KIVALO

Active

Private limited companyfounded 20205 yrs activeVijfstraten 40, 3140 Keerbergen, BelgiumKBO/BCE: BE 0757.854.763

Summary

The computed 12-month bankruptcy probability of KIVALO is 1.7% (moderate). The annual accounts of KIVALO for fiscal year 2025 show a net loss of 61% of the equity at the start of that year. The 2025 annual accounts show equity of €11,905 and a net result of -€18,740. Equity is growing by ~44.8% per year across the filed fiscal years. Its solvency ranks better than 19% of 12331 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

KIVALOActiveChecked score 54/100

Risk analysis Report Compare

Activity

Other non-specialised retail sale

NACE 47120Intermediation services for non-specialised retail NACE 47910

1 site

Size

€139,892total assets 2025

Equity: €11,905
Loss: -€18,740

Turnover not published (abridged schema)

Financial health

54 Fair Checked score 2025

Bankruptcy chance 12 m: 1.7%

Structure

Parent: Gift2Give · 100%

Accounts 18 d early1 of 4 deeds read

Why 54- 1 change of registered office in 24 months- Loss of €18,740 (FY 2025)- Equity €11,905 (8.5% of total assets)+ Liquidity: current ratio 1.28, cash €83,124Show the evidence

Checked score

Score 2025

54 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 35% of its sector peers (NACE 47, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 34-9

equity 8.5% of total assets

Liquidity 61-12

short-term debt 72.7% · cash 59.4%

Profitability 52-48

return on assets -13.4%

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,156 companies)

Last 24 months 11-2024: 1.5% 12-2024: 1.5%● 0.0% vs 11-2024 01-2025: 1.5%▼ -1.2% vs 12-2024 02-2025: 1.5%▼ -1.9% vs 01-2025 03-2025: 1.5%▲ +0.1% vs 02-2025 04-2025: 1.7%▲ +18.8% vs 03-2025 05-2025: 2.3%▲ +31.2% vs 04-2025highest value 06-2025: 2.2%▼ -3.7% vs 05-2025 07-2025: 2.3%▲ +3.0% vs 06-2025 08-2025: 0.8%▼ -66.9% vs 07-2025 09-2025: 0.8%● 0.0% vs 08-2025 10-2025: 0.7%▼ -2.5% vs 09-2025 11-2025: 0.7%▼ -2.5% vs 10-2025 12-2025: 0.7%▼ -1.5% vs 11-2025 01-2026: 0.7%▼ -7.0% vs 12-2025 02-2026: 0.6%▼ -2.7% vs 01-2026 03-2026: 0.6%● 0.0% vs 02-2026 04-2026: 0.3%▼ -47.8% vs 03-2026lowest value 05-2026: 0.4%▲ +6.3% vs 04-2026 06-2026: 0.9%▲ +150% vs 05-2026 07-2026: 0.9%▲ +1.8% vs 06-2026 08-2026: 1.7%▲ +88.8% vs 07-2026 09-2026: 1.7%▲ +0.6% vs 08-2026 10-2026: 1.7%▲ +1.3% vs 09-2026

1 change of registered office in 24 months raises the probability
Liquidity: current ratio 1.28, cash €83,124 lowers the probability
Loss of €18,740 (FY 2025) raises the probability
Equity €11,905 (8.5% of total assets) raises the probability

Credit up to €500 at 30 days only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity tight (current ratio 1.28 against 1.45 in 2024; short-term debt: 72.7% and cash: 59.4% of total assets), and 91.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 25%, liquidity 67%, profitability 37%, growth against the median 9%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Liquidity: current ratio 1.28, cash €83,124

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Loss of €18,740 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Equity €11,905 (8.5% of total assets)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 12331 sector peers (2025).

NBB · sector comparison

Position among 12331 sector peers

Solvency

better than 19%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

18 d early

2024

14 d early

2023

100 d early

2022

129 d early

2021

143 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 81 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 23 April (4 of the last 5 filed years within 81 days of that day).

Companies Code · seven months

Position in the running window

04-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

13-07-26 Annual accounts filedfiscal year 2025 · abbreviated…
06-05-26 Registered officeRegistered-office move · Director in…
17-07-25 Annual accounts filedfiscal year 2024 · abbreviated…

Key points

Caution: From profit to loss in 2025after €56,113 in 2024 -€18,740 View
Caution: Among the weakest 15% on net resultsector median €28,427 · 12,319 companies -€18,740 View
Controlled by Gift2Give 100% View
Positive: Always filed on timeaccounts within the deadline every year 5 years View