VIVACCE
ActiveSummary
VIVACCE has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€19,386) and a net result of -€7,352. Equity is shrinking by ~26% per year across the filed fiscal years. Its solvency ranks better than 5% of 7859 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency0=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.23 against 0.27 in 2024; short-term debt: 225.1% and cash: 0.1% of total assets), and equity is negative.
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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
-129.2%
Return on assets
-49%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€19,386
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
393 d late
2023
28 d late
2022
52 d early
2021
18 d late
2020
19 d late
2019
84 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 74 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 August (4 of the last 5 filed years within 80 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€7,352
2024 · €4,693
Working capital
-€25,985▼ 31.1%
2024 · -€19,814
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support 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
Line20212022202320242025
Operating result-€928▲ 84.6%€2,471-€8,754€5,163-€7,163
Net result-€1,142below the sector's middle half▲ 81.6%€2,203within the sector's middle half-€9,282below the sector's middle half€4,693within the sector's middle half-€7,352below the sector's middle half
Equity-€9,647below the sector's middle half▼ 13.4%-€7,444below the sector's middle half▲ 22.8%-€16,727below the sector's middle half▼ 125%-€12,033below the sector's middle half▲ 28.1%-€19,386below the sector's middle half▼ 61.1%
Total assets€16,212below the sector's middle half▲ 3.8%€19,077below the sector's middle half▲ 17.7%€22,296below the sector's middle half▲ 16.9%€15,026below the sector's middle half▼ 32.6%€15,002below the sector's middle half▼ 0.2%
Debt€25,859▲ 7.2%€26,522▲ 2.6%€39,023▲ 47.1%€27,059▼ 30.7%€34,388▲ 27.1%
Working capital-€18,301below the sector's middle half▼ 4.1%-€15,008below the sector's middle half▲ 18.0%-€24,384below the sector's middle half▼ 62.5%-€19,814below the sector's middle half▲ 18.7%-€25,985below the sector's middle half▼ 31.1%
Solvency-59.5%below the sector's middle half▼ 5.0pp-39.0%below the sector's middle half▲ 20.5pp-75.0%below the sector's middle half▼ 36.0pp-80.1%below the sector's middle half▼ 5.1pp-129.2%below the sector's middle half▼ 49.1pp
Current ratio0.29below the sector's middle half▲ 0.020.42below the sector's middle half▲ 0.130.38below the sector's middle half▼ 0.050.27below the sector's middle half▼ 0.110.23below the sector's middle half▼ 0.04
Return on assets (ROA)-7.0%below the sector's middle half▲ 32.7pp11.5%within the sector's middle half▲ 18.6pp-41.6%below the sector's middle half▼ 53.2pp31.2%above the sector's middle half▲ 72.9pp-49.0%below the sector's middle half▼ 80.2pp
Staff (FTE)0.7
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7,163 after €5,163 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15,002
Fixed assets
€7,215 ▼ 7.3%
Current assets
€7,787 ▲ 7.5%
Key figures and ratios
EBITDA
-€6,597▼
2024 · €5,714
Cash flow
-€6,787▼
2024 · €5,244
Debt to equity
-1.77▲
2024 · -2.25
Interest coverage
-34.75▼
2024 · 12.17
Debt ≤ 1 year
€33,772▲
2024 · €27,059
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,621 companies that looked in July 2024 the way this one looks now, 4.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.5%
went bankrupt
10.0%
stopped otherwise
84%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,621 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €6,007 | €40,013 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €498 | €498 | €498 | €551 | €566 | ▲ 2.7% |
| Other operating charges640/8 | €919 | €969 | €1,003 | €1,646 | €638 | ▼ 61.3% |
| Gross operating margin9900 | €490 | €9,946 | €32,760 | €7,360 | -€5,959 | ▼ 181% |
| Operating profit (loss)9901 | -€928 | €2,471 | -€8,754 | €5,163 | -€7,163 | ▼ 239% |
| Financial income75/76B | - | - | €0 | - | - | - |
| Recurring financial income75 | - | - | €0 | - | - | - |
| Financial charges65/66B | €214 | €268 | €528 | €470 | €190 | ▼ 59.6% |
| Recurring financial charges65 | €214 | €268 | €528 | €470 | €190 | ▼ 59.6% |
| Profit (loss) for the period before taxes9903 | -€1,142 | €2,203 | -€9,282 | €4,693 | -€7,352 | ▼ 257% |
| Profit (loss) for the period9904 | -€1,142 | €2,203 | -€9,282 | €4,693 | -€7,352 | ▼ 257% |
| Profit (loss) for the period to be appropriated9905 | -€1,142 | €2,203 | -€9,282 | €4,693 | -€7,352 | ▼ 257% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €16,212 | €19,077 | €22,296 | €15,026 | €15,002 | ▼ 0.2% |
| Fixed assets21/28 | €8,654 | €8,155 | €7,657 | €7,781 | €7,215 | ▼ 7.3% |
| Tangible fixed assets22/27 | €8,654 | €8,155 | €7,657 | €7,781 | €7,215 | ▼ 7.3% |
| Land and buildings22 | €8,025 | €7,652 | €7,280 | €6,907 | €6,534 | ▼ 5.4% |
| Plant, machinery and equipment23 | €629 | €503 | €377 | €252 | €126 | ▼ 50.0% |
| Other tangible fixed assets26 | - | - | - | €622 | €555 | ▼ 10.8% |
| Current assets29/58 | €7,558 | €10,922 | €14,639 | €7,245 | €7,787 | ▲ 7.5% |
| Amounts receivable within one year40/41 | €7,134 | €9,764 | €13,841 | €6,435 | €7,775 | ▲ 20.8% |
| Trade receivables40 | €5,934 | €9,314 | €13,391 | €5,985 | €7,260 | ▲ 21.3% |
| Other amounts receivable41 | €1,199 | €450 | €450 | €450 | €515 | ▲ 14.5% |
| Cash at bank and in hand54/58 | €58 | €789 | €448 | €385 | €12 | ▼ 96.9% |
| Deferred charges and accrued income490/1 | €367 | €369 | €350 | €424 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €16,212 | €19,077 | €22,296 | €15,026 | €15,002 | ▼ 0.2% |
| Equity10/15 | -€9,647 | -€7,444 | -€16,727 | -€12,033 | -€19,386 | ▼ 61.1% |
| Contributions10/11 | €19,000 | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Profit (loss) carried forward14 | -€28,647 | -€26,444 | -€35,727 | -€31,033 | -€38,386 | ▼ 23.7% |
| Amounts payable17/49 | €25,859 | €26,522 | €39,023 | €27,059 | €34,388 | ▲ 27.1% |
| Amounts payable within one year42/48 | €25,859 | €25,930 | €39,023 | €27,059 | €33,772 | ▲ 24.8% |
| Trade debts44 | €1,728 | €1,022 | €17,402 | €3,297 | €8,108 | ▲ 146% |
| Suppliers440/4 | €1,728 | €1,022 | €17,402 | €3,297 | €8,108 | ▲ 146% |
| Taxes, remuneration and social security45 | €105 | €5,449 | €4,459 | €309 | - | - |
| Taxes450/3 | €105 | €1,422 | €4,271 | €309 | - | - |
| Remuneration and social security454/9 | - | €4,027 | €188 | - | - | - |
| Other amounts payable47/48 | €24,027 | €19,460 | €17,161 | €23,453 | €25,665 | ▲ 9.4% |
| Accrued charges and deferred income492/3 | - | €591 | - | - | €616 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,142 | €2,203 | -€9,282 | €4,693 | -€7,352 | ▼ 257% |
| + Depreciation and write-downs630 | €498 | €498 | €498 | €551 | €566 | ▲ 2.7% |
| Operating cash flow (approximation) | -€644 | €2,702 | -€8,784 | €5,244 | -€6,787 | ▼ 229% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€675 | €0 | ▲ 100% |
| Change in cash | - | €731 | -€341 | -€63 | -€373 | ▼ 495% |
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
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 393 days late
2024
31-12
Financial
Back to profitnet €4,693
Net result €4,693 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet -€9,282
Net result drops to -€9,282, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2,203
Net result €2,203 after 2 loss-making years.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
31-12
Financial
Back to profitnet €70
Net result €70 after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Nivelles · 1 establishment unit since 2006
Ground area
289 m²
Building footprint
74 m²
Parcel 25782C0436/00P000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
VIVACCE
since 20062.241.975.054
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782C0436/00P000 | Wallonia | 289 m² | 1 · 74 m² | - |
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.
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Of 11,218 companies in sector 82100 we hold annual accounts for 3,517. 298 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 (pre-2019)
Founded12-07-2006
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
68310Real estate agency activities
Contact
E-mail
maum21@hotmail.comNivelles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0882489271
Also
9925:BE0882489271
Registered
29-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.