VIV GROUP

Active

Private limited companyfounded 20224 yrs activeSingel 70, 1853 Grimbergen, BelgiumKBO/BCE: BE 0788.359.679

Summary

The computed 12-month bankruptcy probability of VIV GROUP is 1.8% (moderate). The 2025 annual accounts show equity of €20,189 and a net result of €368. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 8200 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

VIV GROUPActiveChecked score 56/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001General construction of buildings NACE 41201

1 site

Size

€23,397total assets 2025

Equity: €20,189
Profit: €368

Turnover not published (abridged schema)

Financial health

56 Fair Checked score 2025

Bankruptcy chance 12 m: 1.8%

Structure

Accounts 2 d early0 of 2 deeds read

Why 56- Founded in 2022- Sector Construction of residential and non-residential buildings (NACE 41)- Size: total assets €23,397+ Figures for FY 2025 (filed 29-07-2026)Show the evidence

Checked score

Score 2025

56 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 61% of its sector peers (NACE 41, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100+33

equity 86.3% of total assets

Liquidity 65+24

short-term debt 13.7% · cash 13.5%

Profitability 71-21

return on assets 1.6%

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.6% (13,168 companies)

Last 10 months 01-2026: 4.5% 02-2026: 5.7%▲ +27.7% vs 01-2026 03-2026: 4.9%▼ -13.8% vs 02-2026 04-2026: 5.8%▲ +17.8% vs 03-2026 05-2026: 6.9%▲ +18.3% vs 04-2026 06-2026: 7.1%▲ +3.4% vs 05-2026 07-2026: 7.2%▲ +0.9% vs 06-2026highest value 08-2026: 1.8%▼ -75.4% vs 07-2026lowest value 09-2026: 1.8%● 0.0% vs 08-2026lowest value 10-2026: 1.8%● 0.0% vs 09-2026lowest value

Founded in 2022 raises the probability for this profile
Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Size: total assets €23,397 raises the probability for this profile
Figures for FY 2025 (filed 29-07-2026) lowers the probability

Credit up to €1,000 at 30 days acceptable

Liquidity ample (current ratio 7.29 against 1.49 in 2024; short-term debt: 13.7% and cash: 13.5% of total assets), and 13.7% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 92%, liquidity 70%, profitability 43%, growth against the median 40%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2022

In the bankruptcy model this factor raises the probability for this profile.

KBO

Sector Construction of residential and non-residential buildings (NACE 41)

In the bankruptcy model this factor raises the probability.

KBO

Size: total assets €23,397

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Figures for FY 2025 (filed 29-07-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

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 · 3 filings

Deviation from the deadline

2025

2 d early

2024

11 d late

2023

28 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 12 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 11 August (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

29-07-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Weakest financial yearnet €368 ▼95.8%
31-12-25 Liquidity times 5current ratio 7.29

Key points

Positive: Among the best 9% on solvencysector median 43.6% · 8,200 companies 86.3% View
Total assets 20253 fiscal years filed €23,397 View
Active since 2022founded 07-07-2022 4 years View