VIVENDUM
ActiveVIVENDUM has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €807k and a net result of €191k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 80% of 3619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+9
Solvency88▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 3.21 against 2.45 in 2024; short-term debt: 20.1% and cash: 41% of total assets), and 37.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
62.9%
Return on assets
14.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
9 d early
2023
on the day
2022
2 d late
2021
10 d late
2019
140 d late
2018
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€807k▲ 21.0%
2024 · €667k
2018: €210k
2019: €261k
2021: €393k
2022: €459k
2023: €618k
2024: €667k
2018 → 2025
Total assets
€1.28M▲ 8.8%
2024 · €1.18M
2018: €848k
2019: €818k
2021: €931k
2022: €966k
2023: €1.19M
2024: €1.18M
2018 → 2025
Net result
€191k▲ 119%
2024 · €87k
2018: €38k
2019: €51k
2021: €132k
2022: €65k
2023: €159k
2024: €87k
2018 → 2025
Working capital
€568k▲ 57.8%
2024 · €360k
2018: €64k
2019: €86k
2021: €142k
2022: €208k
2023: €332k
2024: €360k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€393k-€459k▲ 16.6%€618k▲ 34.6%€667k▲ 8.0%€807k▲ 21.0%
Operating result€191k-€125k▼ 34.5%€246k▲ 96.1%€134k▼ 45.3%€264k▲ 96.2%
Net result€132k-€65k▼ 50.6%€159k▲ 143%€87k▼ 45.1%€191k▲ 119%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 96% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.28M
Fixed assets
€457k▼ 19.9%
Current assets
€826k▲ 35.8%
Equity and liabilities €1.28M
Equity
€807k▲ 21.0%
Debt
€476k▼ 7.1%
The debt ratio falls from 43.4% to 37.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€385k▲
2024 · €261k
Cash flow
€312k▲
2024 · €213k
Solvency
62.9%▲
2024 · 56.6%
Current ratio
3.21▲
2024 · 2.45
Quick ratio
3.02▲
2024 · 2.30
Debt / equity
0.59▼
2024 · 0.77
ROE
23.7%▲
2024 · 13.1%
ROA
14.9%▲
2024 · 7.4%
Interest coverage
26.88▲
2024 · 18.97
Debt
€476k▼
2024 · €512k
Debt ≤ 1 year
€258k▲
2024 · €248k
Debt > 1 year
€214k▼
2024 · €264k
Income taxes
€64k▲
2024 · €35k
Staff costs
€333k▲
2024 · €324k
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€1.18M€1.28M▲
Fixed assets21/28€571k€457k▼
Tangible fixed assets22/27€571k€457k▼
Land and buildings22€287k€242k▼
Plant, machinery and equipment23€88k€75k▼
Furniture and vehicles24€195k€139k▼
Other tangible fixed assets26€421€40▼
Current assets29/58€608k€826k▲
Stocks and contracts in progress3€37k€49k▲
Stocks30/36€37k€49k▲
Amounts receivable within one year40/41€97k€87k▼
Trade receivables40€25k€27k▲
Other amounts receivable41€72k€59k▼
Current investments50/53€150k€160k▲
Cash at bank and in hand54/58€324k€526k▲
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.28M▲
Equity10/15€667k€807k▲
Contributions10/11€20k€20k=
Reserves13€647k€787k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€645k€787k▲
Amounts payable17/49€512k€476k▼
Amounts payable after more than one year17€264k€214k▼
Financial debts170/4€264k€214k▼
Amounts payable within one year42/48€248k€258k▲
Current portion of amounts payable after more than one year42€63k€52k▼
Trade debts44€51k€37k▼
Suppliers440/4€51k€37k▼
Advances received on contracts in progress46-€8k
Taxes, remuneration and social security45€134k€104k▼
Taxes450/3€85k€53k▼
Remuneration and social security454/9€50k€50k▲
Other amounts payable47/48-€57k
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Non-recurring operating income76A€11k-
Remuneration, social security and pensions62€324k€333k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€126k€121k▼
Other operating charges640/8€5k€5k▲
Non-recurring operating charges66A€3k€304▼
Gross operating margin9900€593k€723k▲
Operating profit (loss)9901€134k€264k▲
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€14k€14k▲
Recurring financial charges65€14k€14k▲
Profit (loss) for the period before taxes9903€123k€255k▲
Income taxes67/77€35k€64k▲
Profit (loss) for the period9904€87k€191k▲
Profit (loss) for the period to be appropriated9905€87k€191k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€191k▲
Transfer from equity791/2€38k€51k▲
Transfer to equity691/2€87k€191k▲
To other reserves6921€87k€191k▲
Profit to be distributed694/7€38k€51k▲
Return on contributions (dividend)694€38k€51k▲
Social balance
Average headcount (FTE)90878.29.0▲
The notes to these accounts (20 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €191k ▲119%
Operating result €264k, net result €191k, both a record.
21-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €500kEq €618k ▲34.6%
5 profitable years in a row build equity to €618k.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2022
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 10 days late
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 140 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Dilsen-Stokkem · 1 establishment unit since 2005
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.
Vissersstraat 23650 Dilsen-StokkemGround area
1,092 m²
Building footprint
214 m²
Volume, LiDAR
1,702 m³
Parcel 72005A0643/00C000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VIVENDUM
since 20052.145.527.261
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72005A0643/00C000 | Flanders | 1,092 m² | 1 · 214 m² | 12.9 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,550 EUR awarded · 2,550 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,550 EUR | 2,550 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteDilsen-Stokkem2.145.527.261
Legal Entity Identifier
98450060AA9AA97N4841
Similar companies · same sector, comparable size
ISOLA
BE 0459.799.103
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LE SHANGHAI
BE 0459.882.344
Liège · Eq €808k
AUB.SVP
BE 0500.478.725
Hasselt · Eq €806k
CATHOM
BE 0812.311.652
Dilbeek · Eq €808k
Gustart
BE 0804.738.724
Antwerpen · Eq €806k
Of 20,499 companies in sector 56111 we hold annual accounts for 11,455. 4,868 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2005
Fiscal year end30-09
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
55100Hotels and similar accommodation
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.