VIVA
ActiveSummary
VIVA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of VIVA were filed more than 90 days after the deadline. The 2024 annual accounts show equity of €151,789 and a net result of €79,638. Equity is growing by ~91.6% per year across the filed fiscal years. Its solvency ranks better than 18% of 3320 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Filing: Filed more than 90 days late
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 3320 sector peers (2024).
NBB · sector comparisonPosition among 3320 sector peers
Solvency
better than 18%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
91 d late
2023
46 d late
2022
65 d late
2021
61 d late
2020
56 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 64 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€151,789▲ 48.6%
2023 · €102,151
Net result
€79,638▲ 13.1%
2023 · €70,427
Total assets
€1.2m▲ 19.8%
2023 · €970,540
Solvency
13.1%▲ 2.5pp
2023 · 10.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€19,938-€9,479▼ 52.5%€23,510▲ 148%€100,802▲ 329%€126,839▲ 25.8%
Net result€9,904within the sector's middle half-€1,508below the sector's middle half▼ 84.8%€15,311within the sector's middle half▲ 915%€70,427above the sector's middle half▲ 360%€79,638above the sector's middle half▲ 13.1%
Equity€14,904below the sector's middle half-€16,413below the sector's middle half▲ 10.1%€31,723below the sector's middle half▲ 93.3%€102,151within the sector's middle half▲ 222%€151,789within the sector's middle half▲ 48.6%
Total assets€443,080within the sector's middle half-€598,369within the sector's middle half▲ 35.0%€964,677above the sector's middle half▲ 61.2%€970,540above the sector's middle half▲ 0.6%€1.2mabove the sector's middle half▲ 19.8%
Debt€428,176-€581,957▲ 35.9%€932,954▲ 60.3%€868,389▼ 6.9%€1.0m▲ 16.5%
Working capital-€70,211below the sector's middle half--€76,537below the sector's middle half▼ 9.0%-€171,661below the sector's middle half▼ 124%-€100,609below the sector's middle half▲ 41.4%-€187,054below the sector's middle half▼ 85.9%
Solvency3.4%below the sector's middle half-2.7%below the sector's middle half▼ 0.6pp3.3%below the sector's middle half▲ 0.5pp10.5%below the sector's middle half▲ 7.2pp13.1%below the sector's middle half▲ 2.5pp
Current ratio0.59below the sector's middle half-0.54below the sector's middle half▼ 0.060.42below the sector's middle half▼ 0.120.68below the sector's middle half▲ 0.260.59below the sector's middle half▼ 0.09
Return on assets (ROA)2.2%within the sector's middle half-0.3%below the sector's middle half▼ 2.0pp1.6%within the sector's middle half▲ 1.3pp7.3%within the sector's middle half▲ 5.7pp6.8%within the sector's middle half▼ 0.4pp
Staff (FTE)0.81.6▲ 100%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 26% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.2m
Fixed assets
€899,293 ▲ 18.2%
Current assets
€263,742 ▲ 25.9%
Equity and liabilities €1.2m
Equity
€151,789 ▲ 48.6%
Debt
€1.0m ▲ 16.5%
Debt's share of the balance-sheet total falls from 89.5% to 86.9%. Equity and debt are higher.
Key figures and ratios
ROE
52.5%▼
2023 · 68.9%
Debt ≤ 1 year
€450,796▲
2023 · €310,101
Debt > 1 year
€560,450▲
2023 · €558,289
Income taxes
€25,474▲
2023 · €11,854
Staff costs
€80,463▲
2023 · €37,881
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €37,881 | €80,463 | ▲ 112% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €39,528 | €51,188 | €50,604 | €90,857 | €117,025 | ▲ 28.8% |
| Other operating charges640/8 | - | €407 | €1,333 | €1,485 | €1,713 | ▲ 15.4% |
| Gross operating margin9900 | €59,959 | €61,073 | €75,447 | €231,025 | €326,040 | ▲ 41.1% |
| Operating profit (loss)9901 | €19,938 | €9,479 | €23,510 | €100,802 | €126,839 | ▲ 25.8% |
| Financial income75/76B | - | €0 | - | €41 | €0 | ▼ 99.9% |
| Recurring financial income75 | - | €0 | - | €41 | €0 | ▼ 99.9% |
| Financial charges65/66B | - | €7,861 | €8,034 | €18,562 | €21,727 | ▲ 17.0% |
| Recurring financial charges65 | €7,648 | €7,861 | €8,034 | €18,562 | €21,727 | ▲ 17.0% |
| Profit (loss) for the period before taxes9903 | €12,290 | €1,618 | €15,476 | €82,281 | €105,112 | ▲ 27.7% |
| Income taxes67/77 | €2,386 | €110 | €165 | €11,854 | €25,474 | ▲ 115% |
| Profit (loss) for the period9904 | €9,904 | €1,508 | €15,311 | €70,427 | €79,638 | ▲ 13.1% |
| Profit (loss) for the period to be appropriated9905 | €9,904 | €1,508 | €15,311 | €70,427 | €79,638 | ▲ 13.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €443,080 | €598,369 | €964,677 | €970,540 | €1.2m | ▲ 19.8% |
| Fixed assets21/28 | €340,140 | €509,333 | €841,176 | €761,048 | €899,293 | ▲ 18.2% |
| Intangible fixed assets21 | €324,000 | €288,000 | €630,260 | €557,013 | €708,065 | ▲ 27.1% |
| Tangible fixed assets22/27 | €16,140 | €221,333 | €210,916 | €204,035 | €191,228 | ▼ 6.3% |
| Land and buildings22 | - | €159,990 | €151,594 | €143,197 | €134,801 | ▼ 5.9% |
| Plant, machinery and equipment23 | - | €24,649 | €24,618 | €23,837 | €23,056 | ▼ 3.3% |
| Furniture and vehicles24 | - | €36,695 | €34,704 | €37,001 | €33,372 | ▼ 9.8% |
| Current assets29/58 | €102,940 | €89,036 | €123,502 | €209,492 | €263,742 | ▲ 25.9% |
| Amounts receivable within one year40/41 | €6,341 | €5,079 | €3,571 | €11,333 | €19,664 | ▲ 73.5% |
| Trade receivables40 | - | €5,079 | €3,571 | €11,333 | €19,664 | ▲ 73.5% |
| Cash at bank and in hand54/58 | €96,599 | €83,957 | €119,681 | €198,010 | €243,371 | ▲ 22.9% |
| Deferred charges and accrued income490/1 | - | - | €250 | €149 | €706 | ▲ 374% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €443,080 | €598,369 | €964,677 | €970,540 | €1.2m | ▲ 19.8% |
| Equity10/15 | €14,904 | €16,413 | €31,723 | €102,151 | €151,789 | ▲ 48.6% |
| Contributions10/11 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €9,904 | €11,413 | €26,723 | €97,151 | €146,789 | ▲ 51.1% |
| Amounts payable17/49 | €428,176 | €581,957 | €932,954 | €868,389 | €1.0m | ▲ 16.5% |
| Amounts payable after more than one year17 | €255,024 | €416,384 | €637,791 | €558,289 | €560,450 | ▲ 0.4% |
| Financial debts170/4 | - | €416,384 | €637,791 | €558,289 | €560,450 | ▲ 0.4% |
| Amounts payable within one year42/48 | €173,152 | €165,573 | €295,163 | €310,101 | €450,796 | ▲ 45.4% |
| Current portion of amounts payable after more than one year42 | - | €39,880 | €78,593 | €79,502 | €91,593 | ▲ 15.2% |
| Trade debts44 | €77,730 | €77,943 | €176,291 | €173,946 | €271,335 | ▲ 56.0% |
| Suppliers440/4 | - | €77,943 | €176,291 | €173,946 | €271,335 | ▲ 56.0% |
| Taxes, remuneration and social security45 | - | €110 | €165 | €20,102 | €25,435 | ▲ 26.5% |
| Taxes450/3 | - | €110 | €165 | €14,270 | €13,474 | ▼ 5.6% |
| Remuneration and social security454/9 | - | - | - | €5,832 | €11,962 | ▲ 105% |
| Other amounts payable47/48 | - | €47,640 | €40,114 | €36,550 | €62,433 | ▲ 70.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,904 | €1,508 | €15,311 | €70,427 | €79,638 | ▲ 13.1% |
| + Depreciation and write-downs630 | €39,528 | €51,188 | €50,604 | €90,857 | €117,025 | ▲ 28.8% |
| Operating cash flow (approximation) | €49,432 | €52,696 | €65,915 | €161,284 | €196,663 | ▲ 21.9% |
| Investment in fixed assets (approximation) | - | -€220,381 | -€382,447 | -€10,729 | -€255,270 | ▼ 2,279% |
| Change in cash | - | -€12,642 | €35,724 | €78,329 | €45,361 | ▼ 42.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
31-12
Financial
Highest result since 2020net €79,638 ▲13.1%
Operating result €126,839, net result €79,638, both a record.
31-12
Financial
Equity above €150,000Eq €151,789 ▲48.6%
5 profitable years in a row build equity to €151,789.
15-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 46 days late
2023
31-12
Financial
Equity above €100,000Eq €102,151 ▲222%
4 profitable years in a row build equity to €102,151.
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €1,508 ▼84.8%
Net result drops to €1,508, the lowest in the series; recovery starts the following year.
25-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
Directors
2 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, Lebbeke · 1 establishment unit since 2020
Ground area
370 m²
Building footprint
123 m²
Volume, LiDAR
969 m³
Parcel 42011B0270/00V000, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
VIVA Verzekeringen
since 20202.306.757.790
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42011B0270/00V000 | Flanders | 370 m² | 1 · 123 m² | 11.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 1,330 EUR awarded · 1,330 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 749 EUR | 749 EUR |
| 2022 | 1 | 581 EUR | 581 EUR |
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,819 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-03-2020
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0744863295
Registered
27-03-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.