ViVaC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €24k and a net result of €-3k. Equity is shrinking by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 7994 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 27-07-2026, 4 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
4 d early
2024
17 d early
2023
21 d early
2022
32 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▼ 11.1%
2024 · €27k
2022: €70k
2023: €42k
2024: €27k
2022 → 2025
Net result
€-3k▲ 79.8%
2024 · €-15k
2022: €64k
2023: €-27k
2024: €-15k
2022 → 2025
Total assets
€31k▼ 5.7%
2024 · €33k
2022: €103k
2023: €71k
2024: €33k
2022 → 2025
Solvency
77.7%▼ 4.7pp
2024 · 82.3%
2022: 67.5%
2023: 59.5%
2024: 82.3%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€70k-€42k▼ 39.3%€27k▼ 35.4%€24k▼ 11.1%
Operating result€81k-€-27k€-14k▲ 46.7%€-2k▲ 86.0%
Net result€64k-€-27k€-15k▲ 45.3%€-3k▲ 79.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €14k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €31k
Equity
€24k▼ 11.1%
Debt
€7k▲ 19.1%
The debt ratio rises from 17.7% to 22.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
77.7%▼
2024 · 82.3%
ROE
-12.5%▲
2024 · -54.8%
ROA
-9.7%▲
2024 · -45.1%
Debt
€7k▲
2024 · €6k
Debt ≤ 1 year
€7k▲
2024 · €6k
Income taxes
€178▲
2024 · €124
Staff costs
€0▼
2024 · €174
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€33k€31k▼
Fixed assets21/28€25k€0▼
Tangible fixed assets22/27€25k€0▼
Furniture and vehicles24€25k€0▼
Financial fixed assets28€0-
Current assets29/58€8k€31k▲
Amounts receivable within one year40/41€1k€2k▲
Trade receivables40€1k€2k▲
Other amounts receivable41-€236
Cash at bank and in hand54/58€5k€22k▲
Deferred charges and accrued income490/1€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€33k€31k▼
Equity10/15€27k€24k▼
Contributions10/11€6k€6k=
Reserves13€21k€18k▼
Distributable reserves133€21k€18k▼
Amounts payable17/49€6k€7k▲
Amounts payable within one year42/48€6k€7k▲
Trade debts44€493€1k▲
Suppliers440/4€493€1k▲
Taxes, remuneration and social security45€288€308▲
Taxes450/3€288€308▲
Remuneration and social security454/9€0-
Other amounts payable47/48€5k€5k▲
Accrued charges and deferred income492/3€359€343▼
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€174€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€219▼
Other operating charges640/8€716€759▲
Non-recurring operating charges66A€0-
Gross operating margin9900€-5k€-1k▲
Operating profit (loss)9901€-14k€-2k▲
Financial charges65/66B€499€844▲
Recurring financial charges65€499€844▲
Profit (loss) for the period before taxes9903€-15k€-3k▲
Income taxes67/77€124€178▲
Profit (loss) for the period9904€-15k€-3k▲
Profit (loss) for the period to be appropriated9905€-15k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-3k▲
Transfer from equity791/2€15k€3k▼
The notes to these accounts (7 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 4.71
Current ratio from 1.48 to 4.71.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-27k ▼143%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hamme (Vl.) · 1 establishment unit since 2021
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.
Killestraat 49220 Hamme (Vl.)Ground area
2,455 m²
Building footprint
918 m²
Parcel 42014B1549/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
ViVaC
since 20212.325.243.715
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42014B1549/00C000 | Flanders | 2,455 m² | 1 · 918 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 302 EUR awarded · 302 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 302 EUR | 302 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 8,099 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.