VIVALTO
ActiveVIVALTO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-54k) and a net result of €11k. Equity is shrinking by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+50
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.25 against 0.11 in 2024; short-term debt: 357% and cash: 8.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
-257%
Return on assets
52.4%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 31584 sector peers (2025).
NBB · sector comparisonPosition among 31584 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
30 d late
2023
19 d early
2022
23 d late
2021
4 d late
2020
12 d late
2019
6 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-54k▲ 16.9%
2024 · €-66k
2018: €18k
2019: €-21k
2020: €-31k
2021: €-56k
2022: €-46k
2023: €-63k
2024: €-66k
2018 → 2025
Total assets
€21k▲ 67.2%
2024 · €13k
2018: €35k
2019: €14k
2020: €6k
2021: €8k
2022: €24k
2023: €13k
2024: €13k
2018 → 2025
Net result
€11k
2024 · €-3k
2018: €12k
2019: €-39k
2020: €-10k
2021: €-26k
2022: €10k
2023: €-17k
2024: €-3k
2018 → 2025
Working capital
€-57k▲ 19.0%
2024 · €-70k
2018: €14k
2019: €-24k
2020: €-34k
2021: €-60k
2022: €-61k
2023: €-73k
2024: €-70k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-56k-€-46k▲ 18.0%€-63k▼ 36.0%€-66k▼ 4.3%€-54k▲ 16.9%
Operating result€-25k-€11k€-16k€-2k▲ 88.4%€12k
Net result€-26k-€10k€-17k€-3k▲ 83.9%€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€2k▼ 50.1%
Current assets
€19k▲ 131%
Key figures and ratios
EBITDA
€14k▲
2024 · €5k
Cash flow
€13k▲
2024 · €4k
Solvency
-257.0%▲
2024 · -517.5%
Current ratio
0.25▲
2024 · 0.11
Quick ratio
0.25▲
2024 · 0.11
Debt / equity
-1.39▼
2024 · -1.19
ROA
52.4%▲
2024 · -21.1%
Interest coverage
33.41▲
2024 · 10.64
Debt
€76k▼
2024 · €78k
Debt ≤ 1 year
€76k▼
2024 · €78k
Income taxes
€684▲
2024 · €375
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€13k€21k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€3k€532▼
Furniture and vehicles24€3k€532▼
Financial fixed assets28€2k€2k=
Current assets29/58€8k€19k▲
Amounts receivable within one year40/41€7k€16k▲
Trade receivables40€7k€16k▲
Other amounts receivable41€125€125=
Cash at bank and in hand54/58€797€2k▲
Deferred charges and accrued income490/1€316€936▲
Equity and liabilities
Total equity and liabilities10/49€13k€21k▲
Equity10/15€-66k€-54k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€-74k€-63k▲
Amounts payable17/49€78k€76k▼
Amounts payable within one year42/48€78k€76k▼
Current portion of amounts payable after more than one year42€854-
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€75k€72k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€2k▼
Other operating charges640/8€601€614▲
Gross operating margin9900€6k€15k▲
Operating profit (loss)9901€-2k€12k▲
Financial income75/76B-€3
Recurring financial income75-€3
Financial charges65/66B€494€432▼
Recurring financial charges65€494€432▼
Profit (loss) for the period before taxes9903€-2k€12k▲
Income taxes67/77€375€684▲
Profit (loss) for the period9904€-3k€11k▲
Profit (loss) for the period to be appropriated9905€-3k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-74k€-63k▲
Profit (loss) brought forward from the previous period14P€-71k€-74k▼
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after 3 loss-making years.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
31-12
Financial
Weakest financial yearnet €-39k ▼416%
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 1 day late
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, Genappe
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.
Bruyère Madame 4/A1472 GenappeGround area
1,278 m²
Building footprint
136 m²
Volume, LiDAR
891 m³
Parcel 25106K0033/00L000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25106K0033/00L000 | Wallonia | 1,278 m² | 1 · 136 m² | 8.6 m · 2 fl. |
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.
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 29,582 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.