Villa Viveré
ActiveThe annual accounts of Villa Viveré for fiscal year 2025 show a net loss of 126% of total assets and of 94% of the equity at the start of that year. The 2025 annual accounts show equity of €591 and a net result of €-9k. Equity is shrinking by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 28% of 18173 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-72
Solvency33▼-12
Growth32=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.5 against 1.15 in 2024; short-term debt: 92.2% and cash: 25% of total assets), and 92.2% 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+raises risk○neutral
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
7.8%
Return on assets
-125.7%
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 →
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
31 d early
2023
33 d early
2022
2 d late
2021
2 d late
2020
10 d late
2019
36 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€591▼ 94.1%
2024 · €10k
2018: €16k
2019: €7k
2020: €8k
2021: €8k
2022: €8k
2023: €9k
2024: €10k
2018 → 2025
Total assets
€8k▼ 85.0%
2024 · €50k
2018: €94k
2019: €87k
2020: €86k
2021: €86k
2022: €80k
2023: €66k
2024: €50k
2018 → 2025
Net result
€-9k
2024 · €1k
2018: €4k
2019: €-9k
2020: €1k
2021: €-588
2022: €54
2023: €954
2024: €1k
2018 → 2025
Working capital
€-3k
2024 · €6k
2018: €8k
2019: €628
2020: €118
2021: €535
2022: €2k
2023: €4k
2024: €6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€8k▲ 0.7%€9k▲ 12.5%€10k▲ 17.0%€591▼ 94.1%
Operating result€-2k-€145€1k▲ 668%€2k▲ 65.6%€-37k
Net result€-588-€54€954▲ 1,662%€1k▲ 53.6%€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €37k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8k
Fixed assets
€4k=
Current assets
€3k▼ 92.4%
Equity and liabilities €8k
Equity
€591▼ 94.1%
Debt
€7k▼ 82.7%
The debt ratio rises from 79.9% to 92.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-37k▼
2024 · €3k
Cash flow
€-9k▼
2024 · €2k
Solvency
7.8%▼
2024 · 20.1%
Current ratio
0.50▼
2024 · 1.15
Quick ratio
0.50▲
2024 · 0.26
ROA
-125.7%▼
2024 · 2.9%
Interest coverage
-45.76▼
2024 · 7.51
Debt
€7k▼
2024 · €40k
Debt ≤ 1 year
€7k▼
2024 · €40k
Equity ratios withheld: equity of €591 is too small for a meaningful ratio.
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€50k€8k▼
Fixed assets21/28€4k€4k=
Tangible fixed assets22/27€0-
Land and buildings22€0-
Furniture and vehicles24€0-
Financial fixed assets28€4k€4k=
Current assets29/58€46k€3k▼
Stocks and contracts in progress3€36k€0▼
Stocks30/36€36k€0▼
Amounts receivable within one year40/41€454€2k▲
Trade receivables40€0-
Other amounts receivable41€454€2k▲
Cash at bank and in hand54/58€10k€2k▼
Equity and liabilities
Total equity and liabilities10/49€50k€8k▼
Equity10/15€10k€591▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-15k€-24k▼
Amounts payable17/49€40k€7k▼
Amounts payable within one year42/48€40k€7k▼
Trade debts44€0€1k▲
Suppliers440/4€0€1k▲
Taxes, remuneration and social security45€8k€0▼
Taxes450/3€8k€0▼
Other amounts payable47/48€32k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€0▼
Other operating charges640/8€664€407▼
Gross operating margin9900€4k€-36k▼
Operating profit (loss)9901€2k€-37k▼
Financial income75/76B€1€28k▲
Recurring financial income75€1€26▲
Non-recurring financial income76B-€28k
Financial charges65/66B€379€805▲
Recurring financial charges65€379€805▲
Profit (loss) for the period before taxes9903€1k€-9k▼
Profit (loss) for the period9904€1k€-9k▼
Profit (loss) for the period to be appropriated9905€1k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-24k▼
Profit (loss) brought forward from the previous period14P€-16k€-15k▲
The notes to these accounts (5 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €-9k ▼747%
Net result drops to €-9k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-12
Financial
Back to profitnet €54
Net result €54 after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
05-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 36 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 39 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, Koksijde · 1 establishment unit since 2013
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.
Albert I Laan(Odk) 948670 KoksijdeGround area
303 m²
Building footprint
214 m²
Volume, LiDAR
2,496 m³
Parcel 38502G0113/00_000, Flanders · tallest building 21.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Villa Viveré
since 20132.222.231.792
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502G0113/00_000 | Flanders | 303 m² | 1 · 214 m² | 21.8 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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VDD Living
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DEUX PAYSANS
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DELVAULX
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Eghezée · Eq €497
Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 106 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-07-2013
Fiscal year end31-12
Trade name NL
Puur
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
46471Wholesale trade
47553Retail trade
47593Retail trade
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.