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L'ETRIER D'ARGENT

Active
Public limited companyfounded 2000active for 26 yearsRue Ardenelle 35, 5140 Sombreffe, BelgiumKBO/BCE: BE 0472.999.120
Summary

L'ETRIER D'ARGENT has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.7m and a net result of €424,863. Equity is shrinking by about 3% per year across the filed financial years. Its solvency ranks better than 22% of 694 sector peers (NACE 87, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow ReportCompare
L'ETRIER D'ARGENTActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
Residential care activities
NACE 87101Residential care activities NACE 87301
3rd largest employer in Sombreffe2 sites
Size
≈ €5.0mturnover 2025, estimated
Staff
49 FTE
Equity
€1.7m
Profit
€424,863
Turnover estimated from the gross margin
Financial health
85 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
Parent
VIVALTO HOME BELGIUM · 100%
Auditor: Forvis Mazars Réviseurs d’Entreprises2025 accounts 42 days early3 of 15 deeds summarised
Why 85raises riskLiquidity: current ratio 1.74, cash €287,434Equity €1.7m (16.3% of total assets)Size: 49 FTE, total assets €10.5mlowers riskSector: Residential care activities (NACE 87)Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 28% of its sector peers (NACE 87, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 41-1
equity 16.3% of total assets
Liquidity 51+1
short-term debt 13.6% · cash 2.7%
Profitability 46+8
return on assets 4.1%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (613 companies, NACE 87, small)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.4%▲ +0.1 percentage points vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025highest value 07-2025: 0.3%▼ -0.1 percentage points vs 06-2025 08-2025: 0.3%● unchanged vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.2%▼ -0.1 percentage points vs 06-2026lowest value 08-2026: 0.2%● unchanged vs 07-2026lowest value 09-2026: 0.2%● unchanged vs 08-2026lowest value 10-2026: 0.2%● unchanged vs 09-2026lowest value
Credit of up to €140,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.74, compared with 1.73 in 2024, above the usual 1.5; short-term debt: 13.6% and cash: 2.7% of total assets), but 83.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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, small): better than 22% on solvency, 41% on liquidity, 25% on profitability and 23% on growth.

The bankruptcy probability was computed on 30-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 1.74, cash €287,434
NBB · annual accounts
lowers risk · Sector: Residential care activities (NACE 87)
KBO
raises risk · Equity €1.7m (16.3% of total assets)
NBB · annual accounts
raises risk · Size: 49 FTE, total assets €10.5m
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 694 sector peers (2025).
NBB · sector comparison
Position among 694 sector peers
Solvency
better than 22%
← 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 · 10 filings
Deviation from the deadline
2025
42 days early
2024
48 days early
2023
41 days early
2022
42 days early
2021
32 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

This company filed its last 7 accounts on average 43 days before the deadline; the sector median (NACE 87) for financial year 2024 is 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 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Appointment: Valérie Anne FRAYLICH (director)Resignations: Jean-Claude Demeuse (director) and…
  2. Annual accounts filedfinancial year 2025 · full…
  3. Highest result from 2018 to 2025net €424,863 ▲105%

Key points

  • Positive: Result rose in 2025from €207,524 to €424,863 ▲ 105% View
  • Positive: Among the best 6% on net resultsector median €23,409 · 693 companies €424,863 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €424,863 8 years View
  • Controlled by VIVALTO HOME BELGIUMultimately: VIVALTO VIE HOLDING 100% View
  • Board changedlatest change 21-05-2026 · 3 in office 1 joined · 1 left View

By topic

Financials

Financial year
2025
Total assets
€10.5m
Profit
€424,863
Solvency
16.3%
Total assets▼ 2.0%
Net result
20182025
Go to Financials

Board & ownership

Board
3 members
Parent
VIVALTO HOME BELGIUM · 100%
Auditor
Forvis Mazars Réviseurs d’Entreprises
  • Charles-Antoine della FAILLE de LEVERGHEMDirector
  • Valérie Anne FraylichDirector
  • VIVALTO HOME BELGIUMDirector
Go to Board & ownership

Timeline

Events
30
Since
2003
Next accounts
by 31-07-2027
  1. 13-06-2025Annual accounts filed
  2. 20-06-2024Annual accounts filed
  3. 31-12-2023Weakest financial year
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Residential care activitiesNACE 87101
Founded
11-10-2000
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about L'ETRIER D'ARGENT

What is the company number of L'ETRIER D'ARGENT?
0472.999.120. In Belgium the VAT number is the company number with BE in front: BE 0472.999.120.
Where is L'ETRIER D'ARGENT based?
The registered office is at Rue Ardenelle 35, 5140 Sombreffe.Company details
What does L'ETRIER D'ARGENT do?
According to the KBO register, the main activity is residential care activities (NACE 87101).
What is the legal form of L'ETRIER D'ARGENT?
Public limited company (NV).
When was L'ETRIER D'ARGENT founded?
On 11-10-2000.
Is L'ETRIER D'ARGENT still active?
Yes, L'ETRIER D'ARGENT is an active enterprise in the KBO register.
How many employees does L'ETRIER D'ARGENT have?
On average 49 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of L'ETRIER D'ARGENT?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is L'ETRIER D'ARGENT profitable?
In financial year 2025, L'ETRIER D'ARGENT made a profit of €424,863.
Where can I find the annual accounts of L'ETRIER D'ARGENT?
L'ETRIER D'ARGENT filed 24 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of L'ETRIER D'ARGENT due?
By 31-07-2027, for financial year 2026.Timeline

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How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check Which other companies belong to the same group?VIVALTO HOME BELGIUM · 32 companies

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