MODUS VIVENDI
ActiveMODUS VIVENDI has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-48k) and a net result of €-17k. Equity is shrinking by ~57.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 10253 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
23
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-56
Solvency0=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.09 against 0.07 in 2024; short-term debt: 154.5% and cash: 3.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-54.5%
Return on assets
-19.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-48k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
21 d late
2022
31 d late
2021
31 d late
2020
30 d late
2019
90 d late
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-17k
2024 · €7k
2018: €-6k
2019: €-20k
2020: €-31k
2021: €-63k
2022: €-73k
2023: €-56k
2024: €7k
2018 → 2025
Working capital
€-124k▼ 4.6%
2024 · €-118k
2018: €119k
2019: €120k
2020: €79k
2021: €34k
2022: €-91k
2023: €-121k
2024: €-118k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€95k-€21k▼ 77.7%€-36k€-29k▲ 17.5%€-48k▼ 62.0%
Operating result€-62k-€-72k▼ 16.0%€-56k▲ 22.0%€7k€-17k
Net result€-63k-€-73k▼ 16.9%€-56k▲ 23.4%€7k€-17k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €17k after €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €87k
Fixed assets
€76k▼ 14.5%
Current assets
€12k▲ 29.8%
Key figures and ratios
EBITDA
€-5k
Cash flow
€-5k
Solvency
-54.5%▼
2024 · -30.2%
Current ratio
0.09▲
2024 · 0.07
Quick ratio
0.09▲
2024 · 0.07
Debt / equity
-2.83▲
2024 · -4.32
ROA
-19.8%▼
2024 · 7.4%
Interest coverage
-3.38
Debt
€135k▲
2024 · €127k
Debt ≤ 1 year
€135k▲
2024 · €127k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€98k€87k▼
Fixed assets21/28€89k€76k▼
Tangible fixed assets22/27€70k€58k▼
Land and buildings22€15k€10k▼
Plant, machinery and equipment23€55k€48k▼
Furniture and vehicles24€554€21▼
Financial fixed assets28€18k€18k▼
Current assets29/58€9k€12k▲
Amounts receivable within one year40/41€4k€7k▲
Trade receivables40€94€3k▲
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€98k€87k▼
Equity10/15€-29k€-48k▼
Contributions10/11€418k€418k=
Capital10€418k€418k=
Issued capital100€418k€418k=
Profit (loss) carried forward14€-448k€-465k▼
Investment grants15€935-
Amounts payable17/49€127k€135k▲
Amounts payable within one year42/48€127k€135k▲
Trade debts44€46k€54k▲
Suppliers440/4€46k€54k▲
Advances received on contracts in progress46€3k€1k▼
Taxes, remuneration and social security45-€42
Taxes450/3-€42
Other amounts payable47/48€79k€80k▲
Income statement
Code20242025
Remuneration, social security and pensions62€7k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€12k
Other operating charges640/8€10k€9k▼
Gross operating margin9900€24k€5k▼
Operating profit (loss)9901€7k€-17k▼
Financial income75/76B€1k€952▼
Recurring financial income75€1k€952▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€7k€-17k▼
Profit (loss) for the period9904€7k€-17k▼
Profit (loss) for the period to be appropriated9905€7k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-448k€-465k▼
Profit (loss) brought forward from the previous period14P€-455k€-448k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after 6 loss-making years.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-73k
Net result drops to €-73k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Pieters-Woluwe · 1 establishment unit since 1992
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Roger Vandendriesschelaan 201150 Sint-Pieters-WoluweGround area
1,204 m²
Building footprint
704 m²
Volume, LiDAR
12,669 m³
Parcel 21019A0188/00Z006, Brussels · tallest building 22.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Roger Vandendriesschelaan 20, 1150 Sint-Pieters-Woluwe
since 19922.056.553.418
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21019A0188/00Z006 | Brussels | 1,204 m² | 1 · 704 m² | 22.1 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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SOIE-UNIQUE
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Of 1,272 companies in sector 47512 we hold annual accounts for 581. 369 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-01-1992
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.