VIVALTO IMMO
ActiveVIVALTO IMMO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52.41M and a net result of €800k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 3181 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-39
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2M at 30 days acceptable
Liquidity ample (current ratio 8.37 against 5.87 in 2024; short-term debt: 2.6% and cash: 0% of total assets), and 5.9% of the assets are financed with debt.
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 →
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
94.1%
Return on assets
1.4%
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
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
48 d early
2023
48 d early
2022
52 d early
2021
31 d early
2020
45 d early
2019
79 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
20-09-2026 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
€800k
2024 · €-1.76M
2018: €48k
2019: €-560k
2020: €586k
2021: €475k
2022: €458k
2023: €480k
2024: €-1.76M
2018 → 2025
Working capital
€10.47M▲ 9.4%
2024 · €9.57M
2018: €610k
2019: €-50k
2020: €1.82M
2021: €2.32M
2022: €2.76M
2023: €3.35M
2024: €9.57M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43.32M-€43.74M▲ 1.0%€45.36M▲ 3.7%€51.61M▲ 13.8%€52.41M▲ 1.6%
Operating result€-46k-€-75k▼ 64.8%€-57k▲ 24.0%€-2.48M▼ 4,247%€5k
Net result€475k-€458k▼ 3.6%€480k▲ 4.8%€-1.76M€800k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €2.48M in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55.68M
Fixed assets
€43.79M▼ 0.2%
Current assets
€11.89M▲ 3.1%
Equity and liabilities €55.68M
Equity
€52.41M▲ 1.6%
Debt
€3.27M▼ 13.6%
The debt ratio falls from 6.8% to 5.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€81k▼
2024 · €5.76M
Cash flow
€876k▼
2024 · €6.48M
Solvency
94.1%▲
2024 · 93.2%
Current ratio
8.37▲
2024 · 5.87
Quick ratio
8.37▲
2024 · 5.87
Debt / equity
0.06▼
2024 · 0.07
ROE
1.5%▲
2024 · -3.4%
ROA
1.4%▲
2024 · -3.2%
Interest coverage
0.71▼
2024 · 44.89
Debt
€3.27M▼
2024 · €3.79M
Debt ≤ 1 year
€1.42M▼
2024 · €1.96M
Debt > 1 year
€1.56M▼
2024 · €1.58M
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€55.40M€55.68M▲
Fixed assets21/28€43.87M€43.79M▼
Tangible fixed assets22/27€6.62M€6.54M▼
Land and buildings22€6.62M€6.54M▼
Financial fixed assets28€37.25M€37.25M=
Current assets29/58€11.53M€11.89M▲
Amounts receivable within one year40/41€11.30M€11.86M▲
Other amounts receivable41€11.30M€11.86M▲
Cash at bank and in hand54/58€232k€21k▼
Deferred charges and accrued income490/1€2k€15k▲
Equity and liabilities
Total equity and liabilities10/49€55.40M€55.68M▲
Equity10/15€51.61M€52.41M▲
Contributions10/11€51.87M€51.87M=
Capital10€51.87M€51.87M=
Issued capital100€51.87M€51.87M=
Reserves13€1.37M€1.37M=
Non-distributable reserves130/1€1.37M€1.37M=
Legal reserve130€1.37M€1.37M=
Profit (loss) carried forward14€-1.62M€-820k▲
Amounts payable17/49€3.79M€3.27M▼
Amounts payable after more than one year17€1.58M€1.56M▼
Financial debts170/4€1.58M€1.56M▼
Amounts payable within one year42/48€1.96M€1.42M▼
Current portion of amounts payable after more than one year42€21k€22k▲
Financial debts43€1.33M€1.26M▼
Credit institutions430/8€1.33M€1.26M▼
Trade debts44€14k€8k▼
Suppliers440/4€14k€8k▼
Other amounts payable47/48€599k€132k▼
Accrued charges and deferred income492/3€245k€293k▲
Income statement
Code20242025
Non-recurring operating income76A€5.70M€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8.24M€76k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€5.76M€84k▼
Operating profit (loss)9901€-2.48M€5k▲
Financial income75/76B€851k€909k▲
Recurring financial income75€851k€909k▲
Financial charges65/66B€128k€113k▼
Recurring financial charges65€128k€113k▼
Profit (loss) for the period before taxes9903€-1.76M€800k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-1.76M€800k▲
Profit (loss) for the period to be appropriated9905€-1.76M€800k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1.62M€-820k▲
Profit (loss) brought forward from the previous period14P€140k€-1.62M▼
Transfer to equity691/2€0-
To the legal reserve6920€0-
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (31 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
01-09
State Gazette act
Resignations & appointmentsBoard meeting · Director appointment · Director resignation8 facts ▸
State Gazette act
Resignations & appointments
Board meeting · Director appointment · Director resignation8 facts ▸
- Board meeting, 2026-04-09
- Director appointment, Charles-Antoine della Faille de Leverghem (personne déléguée à la gestion journalière)
- Director resignation, Jean-Claude Demeuse (administrateur délégué)
- General meeting, 2026-05-07
- Director appointment, Benoît Nicolay (administrateur)
- Director resignation, Jean-Claude Demeuse (administrateur)
- Director resignation, Guillaume Raoux (administrateur)
- Auditor reappointment, 3 ans, 2026-05-07
04-08
State Gazette act
Capital & shares · Statutes amendment · RestructuringDemerger · Accounting effect · Capital decrease9 facts ▸
State Gazette act
Capital & shares · Statutes amendment · Restructuring
Demerger · Accounting effect · Capital decrease9 facts ▸
- Demerger, Scission partielle par transfert d'une partie de son patrimoine
- Accounting effect, 01/01/2026
- Capital decrease, €46.192.001,7
- Capital, €5.675.804,3
- Statutes amendment
- Reserve decrease, 1.215.667,98, EUR
- Exchange ratio, 0.90 actions de la société bénéficiaire pour une (1) action de la société à scinder
- Share issue, actions ordinaires nominatives nouvelles, 46.677.272
- No cash consideration, ja
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €800k
Net result €800k after one loss-making year.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-1.76M ▼467%
Net result drops to €-1.76M, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €50MEq €51.61M ▲13.8%
Equity rises from €45.36M to €51.61M.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €586k
Net result €586k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 3.96
Current ratio from 0.98 to 3.96; short-term debt falls from €2.21M to €614k.
13-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €25MEq €42.34M ▲243%
Equity rises from €12.36M to €42.34M.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 directors, no change since 2026
Benoît Nicolay
CurrentDirector · since 07-05-2026
della Faille de Leverghem Charles-Antoine
CurrentPersonne déléguée à la gestion journalière · since 09-04-2026
31-12-2026
Jean-Claude DEMEUSE: Resigned as Director
31-12-2026
Jean-Claude DEMEUSE: Resigned as Managing director
07-05-2026
Benoît Nicolay: Appointed as Director
07-05-2026
Guillaume RAOUX: Resigned as Director
09-04-2026
della Faille de Leverghem Charles-Antoine: Appointed as Personne déléguée à la gestion journalière
Location & real-estate footprint
Registered office, Ans · 1 establishment unit since 2010
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.
Rue du Plope 124431 AnsGround area
330 m²
Building footprint
164 m²
Volume, LiDAR
998 m³
Parcel 62066B0170/00Y000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VIVALTO IMMO
since 20102.186.467.496
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62066B0170/00Y000 | Wallonia | 330 m² | 1 · 164 m² | 7.8 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.
Statutory auditor
1 auditor| Forvis Mazars Réviseurs d’EntreprisesCurrent Auditor | 07-05-2026 → present |
Structure & network
Connections & network
19 connected companiesLinked via shared directors
viadella Faille de Leverghem Charles-Antoine · Director
→
viadella Faille de Leverghem Charles-Antoine · Personne déléguée à la gestion journalière
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viadella Faille de Leverghem Charles-Antoine · Personne déléguée à la gestion journalière
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viadella Faille de Leverghem Charles-Antoine · Personne déléguée à la gestion journalière
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Show 15 more companies with a shared director
viadella Faille de Leverghem Charles-Antoine · Director
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viadella Faille de Leverghem Charles-Antoine · Director
→
viadella Faille de Leverghem Charles-Antoine · Managing director
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viadella Faille de Leverghem Charles-Antoine · Managing director
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viadella Faille de Leverghem Charles-Antoine · Director
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viadella Faille de Leverghem Charles-Antoine · Director
→
viadella Faille de Leverghem Charles-Antoine · Personne déléguée à la gestion journalière
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viadella Faille de Leverghem Charles-Antoine · Director
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viadella Faille de Leverghem Charles-Antoine · Director
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viadella Faille de Leverghem Charles-Antoine · Director
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viadella Faille de Leverghem Charles-Antoine · Director
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viadella Faille de Leverghem Charles-Antoine · Director
→
viadella Faille de Leverghem Charles-Antoine · Personne déléguée à la gestion journalière
→
viadella Faille de Leverghem Charles-Antoine · Managing director
→
viadella Faille de Leverghem Charles-Antoine · Personne déléguée à la gestion journalière
→
Acquisitions and mergers
1 transactionContributed a business line to:VIVALTO HOME BELGIUM IMMO
Recognitions · licences · registrations
Legal Entity Identifier
875500IHPSPHJ11WSN32
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 1,894 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-03-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.