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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 has been shrinking by about 3% per year since 2018. Its solvency ranks better than 22% of 695 sector peers (NACE 87, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 11-10-2000 Normal situation
Activity
Residential care activities NACE 87101and 1 other
Establishment units
2.096.858.896 5140 Sombreffe, since 19-12-2000
2.202.448.544 5140 Sombreffe, since 30-06-2011
Financial year end
31 December
Peppol
Reachable since 28-11-2025

Board and ownership

Board
Shareholders
  • VIVALTO HOME BELGIUM2025 annual accounts of VIVALTO HOME BELGIUM
  • VIVALTO HOME BELGIUM SAannual accounts 2025
  • VIVALTO VIE HOLDINGannual accounts 2025

Financial position

85 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€4.1m
▲ 8.1%
Turnover
≈ €5.0m
estimated
Profit
€424,863
▲ 105%
Equity
€1.7m
▼ 4.6%
Total assets
€10.5m
▼ 2.0%
Employees on 31-12-2025
68
▲ 4.6%
Filed on 19-06-2026, 42 days before the deadline
Score breakdownraises 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 stronger than 28% of small companies in residential care (NACE 87)
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 within 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 12-2024: 0.3% 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 11-2026: 0.2%● unchanged vs 10-2026lowest value
Credit of up to €140,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.74 (1.73 in 2024), above the usual 1.5. Short-term debt is 13.6% and cash 2.7% of total assets. However, 83.7% of the assets are financed with debt and provisions.
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, small). It does better than 22% of them on solvency, 41% on liquidity, 25% on profitability and 23% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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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 · 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 the company's profile.
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 695 sector peers (2025).
NBB · sector comparison
Position among 695 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

The company filed its last 7 accounts on average 43 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 months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Result rose in 2025from €207,524 to €424,863 ▲ 105% View
  • Positive: Higher net result than 94% of companies in residential caresector median €23,247 · 694 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
  • Board changedlatest change 21-05-2026 · 2 in office 1 joined · 1 left View

Recent changes

  1. · Gazette deed Appointment: Valérie Anne FRAYLICH (director)Resignations: Jean-Claude Demeuse (director) and Guillaume Raoux (director) · Reappointment: Forvis Mazars Réviseurs d’Entreprises (statutory auditor)
  2. · Gazette deed Reappointments: Guillaume RAOUX, Jean-Claude DEMEUSE and 2 othersPermanent representative: Nicolas PETROVIC · Appointment: Charles-Antoine della FAILLE de LEVERGHEM (director)
  3. · Gazette deed Amendment of the articles
All 17 events

Comparable companies

These companies have the same main activity as L'ETRIER D'ARGENT: residential care activities (NACE 87101). They are comparable in size and age: total assets between €3.8m and €13m, founded between 1989 and 1999.

CompanyTotal assetsGross margin
L'ETRIER D'ARGENT Sombreffe€10.5m€4.1m
RESIDENCE MARIE - ASTRID Menen€7.6m€3.6m
ACROPOLYS Waregem€4.6m€4.0m
WIELANT - Futuro Anzegem€3.8m€3.6m
DOVER Menen€6.8m€2.9m
RESIDENCE LES CHARMILLES Sambreville€3.8m€4.3m
GHIMAR Middelkerke€13.3m€2.4m
Full comparison

Key facts about L'ETRIER D'ARGENT

What is the company number of L'ETRIER D'ARGENT?
The company number of L'ETRIER D'ARGENT is 0472.999.120. The VAT number is the same 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?
The legal form of L'ETRIER D'ARGENT is Public limited company (NV).
When was L'ETRIER D'ARGENT founded?
L'ETRIER D'ARGENT was 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?
L'ETRIER D'ARGENT had an average of 49 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of L'ETRIER D'ARGENT?
The turnover in financial year 2025 is ≈ €5.0m. This figure is estimated from the gross margin of €4.1m and 103 comparable companies (NACE 87). It probably lies between €4.3m and €5.6m.
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?
L'ETRIER D'ARGENT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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