Vivalis
ActiveVivalis has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €294k and a net result of €35k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 73% of 249 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability59▲+40
Solvency49▼-11
Growth52=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.97 against 1.06 in 2024), and 68.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
31.3%
Return on assets
3.7%
Age of the figures
8 mo
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 20-04-2026, 102 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
102 d early
2024
29 d late
2023
27 d late
2022
23 d late
2021
52 d early
2020
26 d late
2019
96 d late
← 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€35k▲ 118%
2024 · €16k
2018: €70k
2019: €65k
2020: €87k
2021: €108k
2022: €58k
2023: €34k
2024: €16k
2018 → 2025
Working capital
€-18k
2024 · €33k
2018: €54k
2019: €68k
2020: €76k
2021: €83k
2022: €85k
2023: €53k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€347k-€406k▲ 16.7%€401k▼ 1.0%€417k▲ 4.0%€294k▼ 29.5%
Operating result€170k-€100k▼ 41.2%€67k▼ 32.9%€48k▼ 27.8%€65k▲ 34.1%
Net result€108k-€58k▼ 46.2%€34k▼ 41.8%€16k▼ 52.5%€35k▲ 118%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 34% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €941k
Fixed assets
€399k▼ 22.9%
Current assets
€542k▼ 9.4%
Equity and liabilities €941k
Equity
€294k▼ 29.5%
Debt
€647k▼ 7.4%
The debt ratio rises from 62.6% to 68.7%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€208k▲
2024 · €188k
Cash flow
€178k▲
2024 · €156k
Solvency
31.3%▼
2024 · 37.4%
Current ratio
0.97▼
2024 · 1.06
Quick ratio
0.52▼
2024 · 0.59
Debt / equity
2.20▲
2024 · 1.67
ROE
11.9%▲
2024 · 3.8%
ROA
3.7%▲
2024 · 1.4%
Interest coverage
10.76▲
2024 · 8.39
Debt
€647k▼
2024 · €698k
Debt ≤ 1 year
€560k▼
2024 · €565k
Debt > 1 year
€86k▼
2024 · €133k
Income taxes
€11k▲
2024 · €10k
Staff costs
€715k▼
2024 · €771k
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
Balance sheet
Code2025
Total assets
20/58€941k
Fixed assets
21/28€399k
Tangible fixed assets
22/27€396k
Financial fixed assets
28€3k
Current assets
29/58€542k
Stocks & contracts in progress
3€252k
Amounts receivable within one year
40/41€39k
Investments
50/53€45k
Cash & bank
54/58€180k
Total equity & liabilities
10/49€941k
Equity
10/15€294k
Contributions / capital
10/11€75k
Reserves
13€219k
Amounts payable
17/49€647k
Amounts payable after one year
17€86k
Amounts payable within one year
42/48€560k
Trade debts payable within one year
44€222k
Income statement
Code2025
Gross operating margin
9900€924k
Operating result
9901€65k
Financial income
75€239
Financial charges
65€19k
Result before taxes
9903€46k
Income taxes
67/77€11k
Net result for the period
9904€35k
Result to be appropriated
9905€35k
This is the latest fiscal year. 7 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €16k ▼52.5%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
20-12
State Gazette act
Director changes
Baudouin CAMBIER
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 23 days late
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €108k ▲23.8%
Operating result €170k, net result €108k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
31-12
Financial
Equity above €200kEq €254k ▲29.6%
3 profitable years in a row build equity to €254k.
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 96 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
1 director, last change in 2023
Valérie DUCHATEAU
CurrentDirector · since 20-12-2023
20-12-2023
Resigned as Manager
20-12-2023
Appointed as Director
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Walcourt · 1 establishment unit since 2015
Ground area
1.0 ha
Building footprint
2,053 m²
Parcel 93037B0566/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SPAR LANEFFE
since 20152.242.643.265
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93037B0566/00C000 | Wallonia | 1.0 ha | 1 · 2,053 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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
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JAMIL
BE 0463.251.709
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RELIANCE DRINK AND FOOD
BE 0732.607.247
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GFB
BE 0476.871.695
Mechelen · Eq €293k
Of 10,445 companies in sector 47110 we hold annual accounts for 5,404. 3,631 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2015
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-07-2026. Scores and ratios are computed by Checked and are not a credit decision.