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MODUS VIVENDI

Active
Public limited companyfounded 1992active for 34 yearsRoger Vandendriesschelaan 20, 1150 Sint-Pieters-Woluwe, BelgiumKBO/BCE: BE 0446.479.320
Summary

The computed 12-month bankruptcy probability of MODUS VIVENDI is 2.5% (moderate). The 2025 annual accounts show negative equity (-€47,717) and a net result of -€17,332. Equity has been shrinking by about 57% per year since 2018. Its solvency ranks better than 6% of 12,757 sector peers (NACE 47, financial year 2025). The company has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 29-01-1992 Normal situation
Activity
Retail sale of household textiles and bedding NACE 47512
Establishment unit
2.056.553.418 1150 Sint-Pieters-Woluwe, since 12-03-1992
Financial year end
31 December
Peppol
Reachable since 23-02-2026

Board and ownership

Shareholders
  • ARVALE· score 542025 annual accounts of ARVALE

Financial position

49 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.5%
Annual accounts 2025
Gross margin
€4,756
▼ 80.2%
Turnover
≈ €45,000
estimated
Loss
€17,332
Equity
-€47,717
▼ 62.0%
Total assets
€87,487
▼ 10.4%
  • Negative equity on 31-12-2025
  • 2025 accounts filed 31 days after the deadline
Filed on 31-08-2026
Score breakdownraises riskLoss of €17,332 (financial year 2025)Sector: Retail trade (NACE 47)Negative equity -€47,717lowers riskSize: total assets €87,487Show the evidence

Checked score

Score 2025
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 7% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 0=
equity -54.5% of total assets
Liquidity 4+2
short-term debt 154.5% · cash 3.3%
Profitability 0-56
return on assets -19.8%
Bankruptcy probability within 12 months
2.5% 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% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 2.6% 01-2025: 2.5%▼ -0.1 percentage points vs 12-2024 02-2025: 2.5%● unchanged vs 01-2025 03-2025: 2.4%▼ -0.1 percentage points vs 02-2025 04-2025: 2.4%● unchanged vs 03-2025 05-2025: 2.4%● unchanged vs 04-2025 06-2025: 2.3%▼ -0.1 percentage points vs 05-2025 07-2025: 2.6%▲ +0.3 percentage points vs 06-2025 08-2025: 3.0%▲ +0.4 percentage points vs 07-2025highest value 09-2025: 0.7%▼ -2.3 percentage points vs 08-2025 10-2025: 0.7%● unchanged vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026 06-2026: 0.7%● unchanged vs 05-2026lowest value 07-2026: 0.8%▲ +0.1 percentage points vs 06-2026 08-2026: 1.3%▲ +0.5 percentage points vs 07-2026 09-2026: 2.5%▲ +1.2 percentage points vs 08-2026 10-2026: 2.5%● unchanged vs 09-2026 11-2026: 2.5%● unchanged vs 10-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.09 (0.07 in 2024), below 1. Short-term debt is 154.5% and cash 3.3% of total assets. Equity is negative.
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 47, micro). It does better than 6% of them on solvency, 6% on liquidity, 6% on profitability and 9% 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 risk
lowers risk · Size: total assets €87,487
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Loss of €17,332 (financial year 2025)
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Negative equity -€47,717
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€47,717
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
29 days late
2023
21 days late
2022
31 days late
2021
31 days late
2020
30 days late
2019
90 days late
← 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 38 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 31 August (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

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€47,717 View
  • Caution: Lower solvency than 94% of companies in retail tradesector median 36.6% · 12,757 companies -54.5% View

Recent changes

  1. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as MODUS VIVENDI: retail sale of household textiles and bedding (NACE 47512). They are comparable in size and age: total assets between €56,200 and €103,000, founded between 1987 and 1996.

CompanyTotal assetsGross margin
MODUS VIVENDI Sint-Pieters-Woluwe€87,487€4,756
GARNIERDERIJ COLORS Westerlo€102,725€5,465
Fatih Antwerpen€64,290€4,084
SYLCATEX Lievegem€60,899€4,584
INTERIOR TEXTILES AND ACCESSORIES TRADING Leuven€83,331€7,333
BURAK Antwerpen€56,244€6,347
NEW LINE DECOR Bree€81,813€10,220
Full comparison

Key facts about MODUS VIVENDI

What is the company number of MODUS VIVENDI?
The company number of MODUS VIVENDI is 0446.479.320. The VAT number is the same number with BE in front: BE 0446.479.320.
Where is MODUS VIVENDI based?
The registered office is at Roger Vandendriesschelaan 20, 1150 Sint-Pieters-Woluwe.Company details
What does MODUS VIVENDI do?
According to the KBO register, the main activity is retail sale of household textiles and bedding (NACE 47512).
What is the legal form of MODUS VIVENDI?
The legal form of MODUS VIVENDI is Public limited company (NV).
When was MODUS VIVENDI founded?
MODUS VIVENDI was founded on 29-01-1992.
Is MODUS VIVENDI still active?
Yes, MODUS VIVENDI is an active enterprise in the KBO register.
How many employees does MODUS VIVENDI have?
MODUS VIVENDI had an average of 0.1 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of MODUS VIVENDI?
The turnover in financial year 2025 is ≈ €45,000. This figure is estimated from the gross margin of €4,756 and 84 comparable companies (NACE 475). It probably lies between €23,000 and €95,000. It is a rough estimate.
Is MODUS VIVENDI profitable?
In financial year 2025, MODUS VIVENDI made a loss of €17,332.
Where can I find the annual accounts of MODUS VIVENDI?
MODUS VIVENDI filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of MODUS VIVENDI due?
MODUS VIVENDI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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