SEMPERVIVUM
ActiveSEMPERVIVUM has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €40k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 4422 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+17
Solvency44▲+14
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.96 against 0.81 in 2024; short-term debt: 20.7% and cash: 2.2% of total assets), and 81% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19%
Return on assets
12.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €60k
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
6 d early
2022
28 d late
2021
4 d early
2020
5 d early
2019
8 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▲ 202%
2024 · €20k
2018: €-26k
2019: €-16k
2020: €28k
2021: €-20k
2022: €4k
2023: €21k
2024: €20k
2018 → 2025
Total assets
€317k▼ 20.9%
2024 · €400k
2018: €221k
2019: €260k
2020: €161k
2021: €182k
2022: €209k
2023: €188k
2024: €400k
2018 → 2025
Net result
€40k
2024 · €-1k
2018: €18k
2019: €9k
2020: €45k
2021: €-48k
2022: €23k
2023: €18k
2024: €-1k
2018 → 2025
Working capital
€-2k▲ 82.2%
2024 · €-14k
2018: €-46k
2019: €-56k
2020: €-41k
2021: €-85k
2022: €-108k
2023: €-57k
2024: €-14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-20k-€4k€21k▲ 495%€20k▼ 6.4%€60k▲ 202%
Operating result€-32k-€27k€25k▼ 7.7%€4k▼ 83.8%€60k▲ 1,386%
Net result€-48k-€23k€18k▼ 24.0%€-1k€40k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,386% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €317k
Fixed assets
€254k▼ 26.1%
Current assets
€63k▲ 10.3%
Equity and liabilities €317k
Equity
€60k▲ 202%
Debt
€257k▼ 32.5%
The debt ratio falls from 95.0% to 81.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78k▲
2024 · €25k
Cash flow
€58k▲
2024 · €20k
Solvency
19.0%▲
2024 · 5.0%
Current ratio
0.96▲
2024 · 0.81
Quick ratio
0.96▲
2024 · 0.81
Debt / equity
4.27▼
2024 · 19.08
ROE
66.8%▲
2024 · -6.8%
ROA
12.7%▲
2024 · -0.3%
Interest coverage
10.27▲
2024 · 6.02
Debt
€257k▼
2024 · €380k
Debt ≤ 1 year
€66k▼
2024 · €71k
Debt > 1 year
€191k▼
2024 · €309k
Income taxes
€13k▲
2024 · €2k
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€400k€317k▼
Fixed assets21/28€343k€254k▼
Tangible fixed assets22/27€343k€253k▼
Land and buildings22€275k€195k▼
Plant, machinery and equipment23€12k€14k▲
Furniture and vehicles24€11k€11k▲
Other tangible fixed assets26€44k€33k▼
Financial fixed assets28€380€380=
Current assets29/58€57k€63k▲
Amounts receivable within one year40/41€13k€56k▲
Trade receivables40€10k€7k▼
Other amounts receivable41€3k€49k▲
Cash at bank and in hand54/58€44k€7k▼
Deferred charges and accrued income490/1€474€0▼
Equity and liabilities
Total equity and liabilities10/49€400k€317k▼
Equity10/15€20k€60k▲
Contributions10/11€19k€19k=
Reserves13€10k€41k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€8k€40k▲
Profit (loss) carried forward14€-9k€0▲
Amounts payable17/49€380k€257k▼
Amounts payable after more than one year17€309k€191k▼
Financial debts170/4€307k€191k▼
Other amounts payable178/9€2k€0▼
Amounts payable within one year42/48€71k€66k▼
Current portion of amounts payable after more than one year42€22k€17k▼
Trade debts44€10k€26k▲
Suppliers440/4€10k€26k▲
Taxes, remuneration and social security45€632€13k▲
Taxes450/3€632€13k▲
Other amounts payable47/48€39k€9k▼
Accrued charges and deferred income492/3€686€0▼
Income statement
Code20242025
Non-recurring operating income76A-€30k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€18k▼
Other operating charges640/8€26k€2k▼
Gross operating margin9900€51k€80k▲
Operating profit (loss)9901€4k€60k▲
Financial income75/76B€766€1k▲
Recurring financial income75€766€1k▲
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€577€54k▲
Income taxes67/77€2k€13k▲
Profit (loss) for the period9904€-1k€40k▲
Profit (loss) for the period to be appropriated9905€-1k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€32k▲
Profit (loss) brought forward from the previous period14P€-7k€-9k▼
Transfer to equity691/2-€32k
To other reserves6921-€32k
The notes to these accounts (19 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-48k ▼207%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €45k ▲376%
Net result €45k, the highest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2015
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
19-11-2015
Resigned as Manager
Location & real-estate footprint
Registered office, Brasschaat · 1 establishment unit since 2009
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.
Bredestraat 202930 BrasschaatGround area
400 m²
Building footprint
149 m²
Parcel 11323F0185/00A002, Flanders. Linked by address, not a title deed.
1 establishment unit
Peach and Plum Bloemenatelier
since 20092.175.853.619
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11323F0185/00A002 | Flanders | 400 m² | 1 · 149 m² | - |
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.
Recognitions · licences · registrations
Dual-learning approval
1 endedSimilar companies · same sector, comparable size
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BE 0874.990.973
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MINOODT SVEN
BE 1014.267.632
Herzele · Eq €60k
TOON DEROO
BE 1006.085.285
Roeselare · Eq €60k
Greenery Creations
BE 0784.861.345
Antwerpen · Eq €60k
TERRA JOMA
BE 0771.408.732
Couvin · Eq €60k
Of 21,206 companies in sector 81300 we hold annual accounts for 4,358. 3,638 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2006
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.