TIVVA
ActiveTIVVA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €298k and a net result of €36k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 16193 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-40
Solvency100▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.54 against 2.39 in 2024), and 33.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
66.9%
Return on assets
8%
Age of the figures
8 mo
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
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
1 d early
2023
22 d late
2022
29 d late
2021
2 d early
2020
19 d late
2019
28 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€298k▲ 13.6%
2024 · €263k
2019: €177k
2020: €196k
2021: €234k
2022: €249k
2023: €256k
2024: €263k
2019 → 2025
Total assets
€446k▲ 3.9%
2024 · €429k
2019: €427k
2020: €403k
2021: €443k
2022: €443k
2023: €422k
2024: €429k
2019 → 2025
Net result
€36k▼ 37.4%
2024 · €57k
2019: €58k
2020: €26k
2021: €39k
2022: €38k
2023: €38k
2024: €57k
2019 → 2025
Working capital
€138k▲ 64.2%
2024 · €84k
2019: €113k
2020: €99k
2021: €88k
2022: €67k
2023: €94k
2024: €84k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€234k-€249k▲ 6.2%€256k▲ 2.8%€263k▲ 2.7%€298k▲ 13.6%
Operating result€56k-€55k▼ 1.7%€58k▲ 4.7%€83k▲ 43.3%€53k▼ 35.6%
Net result€39k-€38k▼ 2.3%€38k▲ 0.6%€57k▲ 49.5%€36k▼ 37.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €446k
Fixed assets
€253k▼ 10.9%
Current assets
€193k▲ 33.1%
Equity and liabilities €446k
Equity
€298k▲ 13.6%
Debt
€148k▼ 11.3%
The debt ratio falls from 38.8% to 33.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€88k▼
2024 · €116k
Cash flow
€70k▼
2024 · €90k
Solvency
66.9%▲
2024 · 61.2%
Current ratio
3.54▲
2024 · 2.39
Quick ratio
3.54▲
2024 · 2.39
Debt / equity
0.50▼
2024 · 0.63
ROE
12.0%▼
2024 · 21.7%
ROA
8.0%▼
2024 · 13.3%
Interest coverage
22.80▼
2024 · 26.48
Debt
€148k▼
2024 · €167k
Debt ≤ 1 year
€55k▼
2024 · €61k
Debt > 1 year
€93k▼
2024 · €105k
Income taxes
€15k▼
2024 · €23k
Staff costs
€181k▲
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
Total assets20/58€429k€446k▲
Fixed assets21/28€284k€253k▼
Tangible fixed assets22/27€278k€247k▼
Financial fixed assets28€6k€6k=
Current assets29/58€145k€193k▲
Amounts receivable within one year40/41€719€6k▲
Cash & bank54/58€139k€177k▲
Total equity & liabilities10/49€429k€446k▲
Equity10/15€263k€298k▲
Contributions / capital10/11€12k€12k=
Reserves13€242k€278k▲
Accumulated profits (losses)14€8k€8k=
Amounts payable17/49€167k€148k▼
Amounts payable after one year17€105k€93k▼
Amounts payable within one year42/48€61k€55k▼
Trade debts payable within one year44€20k€18k▼
Income statement
Code20242025
Gross operating margin9900€244k€271k▲
Operating result9901€83k€53k▼
Financial income75€1k€761▼
Financial charges65€4k€4k▼
Result before taxes9903€80k€50k▼
Income taxes67/77€23k€15k▼
Net result for the period9904€57k€36k▼
Result to be appropriated9905€57k€36k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €234k ▲19.8%
3 profitable years in a row build equity to €234k.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Weakest financial yearnet €26k ▼54.6%
Net result drops to €26k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Ortho ALAIS
BE 0795.800.668
Halle · Eq €298k
AS Dentaire
BE 0755.687.309
Rixensart · Eq €298k
SMK CORPORATION
BE 0744.448.076
Sint-Genesius-Rode · Eq €299k
DE SAEDELEER DENTAL
BE 0879.272.138
Tienen · Eq €299k
REVO-S GROUP
BE 0786.736.613
Sint-Jans-Molenbeek · Eq €298k
Of 6,918 companies in sector 86230 we hold annual accounts for 4,276. 3,692 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2008
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-07-2026. Scores and ratios are computed by Checked and are not a credit decision.