Skip to content

VIVAMUT

Active
Private limited companyfounded 2010active for 15 yearsPlace Verte 41, 4800 Verviers, Belgium13 active companies are registered at this addressKBO/BCE: BE 0832.122.814
Summary

VIVAMUT has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €554,836 and a net result of €19,326. Equity remains stable across the filed financial years (±1.2% per year). Its solvency ranks better than 78% of 1,817 sector peers (NACE 77, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
VIVAMUTActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Rental and leasing activities
NACE 77225
10th largest company by equity in Verviers, Administrative and support services sector
Size
≈ €380,000turnover 2025, estimated
Equity
€554,836
Profit
€19,326
Turnover estimated from the gross margin
Financial health
96 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
Board
5 members
2025 accounts 31 days early2 of 5 deeds summarised
Why 96lowers riskLiquidity: current ratio 13.95, cash €422,417Size: total assets €847,082Figures for financial year 2025 (filed 30-06-2026)Equity €554,836 (65.5% of total assets)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 70% of its sector peers (NACE 77, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 90-4
equity 65.5% of total assets
Liquidity 100=
short-term debt 5.7% · cash 49.9%
Profitability 72-2
return on assets 2.3%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (3,166 companies, NACE 77, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: 0.1%▲ +0.1 percentage points vs 06-2025highest value 08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity ample (current ratio 13.95, compared with 14.34 in 2024, above the usual 1.5; short-term debt: 5.7% and cash: 49.9% of total assets), and 34.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 77, micro): better than 76% on solvency, 98% on liquidity, 55% on profitability and 51% on growth.

The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.
lowers riskneutral
lowers risk · Liquidity: current ratio 13.95, cash €422,417
NBB · annual accounts
lowers risk · Size: total assets €847,082
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 30-06-2026)
NBB · annual accounts
lowers risk · Equity €554,836 (65.5% of total assets)
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
18192022232425
2018 to 2025 · latest year €554,836
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
31 days early
2024
8 days early
2023
2 days early
2022
5 days early
2021
16 days early
2020
25 days early
2019
67 days 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 3 days before the deadline; the sector median (NACE 77) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Positive: Among the best 7% on equitysector median €45,976 · 1,823 companies €554,836 View
  • Positive: Filed on time since financial year 2020accounts within the deadline every year 6 years View
  • Board5 directors in office 5 View

By topic

Financials

Financial year
2025
Total assets
€847,082
Profit
€19,326
Solvency
65.5%
Go to Financials

Board & ownership

Board
5 members
  • Jean-Bernard GérardyChair
  • BREYER Marc Paul MarcelDirector
  • DELOR CarolineDirector
  • HANOULLE EricDirector
  • THONNARD SéverineDirector
Go to Board & ownership

Timeline

Events
19
Since
2012
Next accounts
by 31-07-2027
  1. 05-09-2023Appointments: Catherine Dauby (day-to-day manager) and Jean-Bernard…
  2. 26-07-2023Annual accounts filed
  3. 12-07-2023Appointments: BREYER Marc Paul Marcel, DAUBY Catherine…
Go to Timeline

Company details

Legal form
Private limited company
Activity
Rental and leasing activitiesNACE 77225
Founded
22-12-2010
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
45
Annual meeting
Last Monday of May at 10:00
Purpose
“À contribuer au bien être physique, psychique et social des assurés sociaux des différents…” (deed in French)
Go to Articles of association

Key facts about VIVAMUT

What is the company number of VIVAMUT?
0832.122.814. In Belgium the VAT number is the company number with BE in front: BE 0832.122.814.
Where is VIVAMUT based?
The registered office is at Place Verte 41, 4800 Verviers.Company details
What does VIVAMUT do?
According to the KBO register, the main activity is rental and leasing activities (NACE 77225).
What is the legal form of VIVAMUT?
Private limited company (BV).
When was VIVAMUT founded?
On 22-12-2010.
Is VIVAMUT still active?
Yes, VIVAMUT is an active enterprise in the KBO register.
What is the turnover of VIVAMUT?
€565,813 in financial year 2021, according to the filed annual accounts.Financials
Is VIVAMUT profitable?
In financial year 2025, VIVAMUT made a profit of €19,326.
Where can I find the annual accounts of VIVAMUT?
VIVAMUT filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of VIVAMUT due?
By 31-07-2027, for financial year 2026.Timeline

Companies related to VIVAMUT

Go further with this company

How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure