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VIVALDI

Active
Coöperatieve vennootschap met beperkte aansprakelijkheid·Personenvervoer over binnenwateren· 30 yrs active
Wilfordkaai 14 ·9140 Temse, Belgium
KBO/BCE: BE 0457.949.866
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Age30 yrs
Real estate1 parcel · 160 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of VIVALDI is 0.1% (very low). The 2025 annual accounts show negative equity (€-26k) and a net result of €-51k. The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −Lower-failure-rate sector −Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 26-08-2026 26 d late 2026-00426577
31-12-2024 31-07-2025 27-08-2025 27 d late 2025-00409635
31-12-2023 31-07-2024 23-08-2024 23 d late 2024-00362554
31-12-2022 31-07-2023 25-07-2023 6 d early 2023-00266102
31-12-2021 31-07-2022 26-08-2022 26 d late 2022-20320905
31-12-2020 31-07-2021 25-08-2021 25 d late 2021-52500204
31-12-2019 31-07-2020 26-08-2020 26 d late 2020-44400220
31-12-2018 31-07-2019 26-08-2019 26 d late 2019-50700404
31-12-2017 31-07-2018 13-08-2018 13 d late 2018-44900279
31-12-2016 31-07-2017 16-08-2017 16 d late 2017-43300315

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Long-established
Founded in 1996, 30 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (micro schema)
EBIT marginNot published (micro schema)
Net result€-51k
Working capital€-34k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 26-08-2026 with the NBB · fiscal year 2025 · micro
Fiscal year2025
Depositmicro
Revenue-
EBITDA€-48k
Net profit€-51k
Cash flow€-47k
Staff costs€120
Income taxes-
Dividends-
Total assets€61k
Equity€-26k
Debt€88k
of which ≤ 1y€88k
of which > 1y-
Working capital€-34k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.61
Quick ratio0.61
Working capital ratio-56.0%
Solvency-42.9%
Debt / equity-3.33
Long-term debt ratio-
Interest coverage-70.87
Gross margin-
Net margin-
ROA-82.9%
ROE193.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€61k
Fixed assets 21/28€8k
Tangible fixed assets 22/27€3k
Financial fixed assets 28€5k
Current assets 29/58€53k
Amounts receivable within one year 40/41€52k
Cash & bank 54/58€216
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€61k
Equity 10/15€-26k
Contributions / capital 10/11€49k
Reserves 13€5k
Accumulated profits (losses) 14€-81k
Amounts payable 17/49€88k
Amounts payable within one year 42/48€88k
Trade debts payable within one year 44€26k
Income statement
Gross operating margin 9900€-46k
Operating result 9901€-51k
Financial income 75€994
Financial charges 65€674
Result before taxes 9903€-51k
Net result for the period 9904€-51k
Result to be appropriated 9905€-51k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
15 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Wilfordkaai 149140 Temse

Establishment units

1 location
Wilfordkaai 14, 9140 Temse
de exploitatie van pleziervaartuigen, cruiseschepen en rondvaartboten
since 19982.076.911.540
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area160 m²
Buildings1
Building footprint211 m²
Volume (LiDAR)2,557 m³
Tallest building15.9 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46302D0644/00L002 Flanders 160 m² 1 · 211 m² 15.9 m · 4 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health15Profitability100Solvency36Growth-Stability85
59 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 15
Profitability 100
Solvency 36
Growth -
Stability 85

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 5 of the 67 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Personenvervoer over binnenwateren50300Verhuur en lease van transportmiddelen voor vervoer over water77340
Primary activity highlighted.
Names & trade names
Legal nameNL VIVALDI
Registered office
Wilfordkaai 14
9140 Temse, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.