VIVERE-SPRL.BE
ActiveVIVERE-SPRL.BE has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 72% of 16377 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 5.93 against 4.26 in 2024), and 17.6% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
82.4%
Return on assets
36.9%
Age of the figures
11 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €41k
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 22-04-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
37 d early
2023
19 d early
2022
53 d early
2021
4 d early
2020
1 d early
2019
63 d early
← 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
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 81.1%
2024 · €23k
2018: €2k
2019: €-4k
2020: €-4k
2021: €-5k
2022: €-5k
2023: €5k
2024: €23k
2018 → 2025
Total assets
€50k▲ 65.4%
2024 · €30k
2018: €5k
2019: €32
2020: €97
2021: €48
2022: €436
2023: €11k
2024: €30k
2018 → 2025
Net result
€18k▲ 4.4%
2024 · €18k
2018: €-2k
2019: €-6k
2020: €-363
2021: €-1k
2022: €967
2023: €10k
2024: €18k
2018 → 2025
Working capital
€41k▲ 79.8%
2024 · €23k
2018: €2k
2019: €-4k
2020: €-4k
2021: €-5k
2022: €-5k
2023: €5k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€-5k▲ 17.7%€5k€23k▲ 349%€41k▲ 81.1%
Operating result€-1k-€1k€10k▲ 852%€17k▲ 76.0%€18k▲ 6.4%
Net result€-1k-€967€10k▲ 885%€18k▲ 83.9%€18k▲ 4.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 6% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €50k
Equity
€41k▲ 81.1%
Debt
€9k▲ 17.8%
The debt ratio falls from 24.8% to 17.6%: equity grows faster than debt.
Key figures and ratios
Solvency
82.4%▲
2024 · 75.2%
Current ratio
5.93▲
2024 · 4.26
Quick ratio
5.93▲
2024 · 4.26
Debt / equity
0.21▼
2024 · 0.33
ROE
44.8%▼
2024 · 77.7%
ROA
36.9%▼
2024 · 58.5%
Debt
€9k▲
2024 · €7k
Debt ≤ 1 year
€8k▲
2024 · €7k
Income taxes
€79▲
2024 · €-258
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€30k€50k▲
Current assets29/58€30k€50k▲
Amounts receivable within one year40/41€30k€49k▲
Trade receivables40€30k€49k▲
Cash at bank and in hand54/58€399€90▼
Equity and liabilities
Total equity and liabilities10/49€30k€50k▲
Equity10/15€23k€41k▲
Contributions10/11€38k€38k=
Reserves13€8k€8k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€-23k€-5k▲
Amounts payable17/49€7k€9k▲
Amounts payable within one year42/48€7k€8k▲
Taxes, remuneration and social security45-€79
Taxes450/3-€79
Other amounts payable47/48€7k€8k▲
Accrued charges and deferred income492/3€388€387▼
Income statement
Code20242025
Other operating charges640/8€388€387▼
Gross operating margin9900€18k€19k▲
Operating profit (loss)9901€17k€18k▲
Financial charges65/66B€54€54=
Recurring financial charges65€54€54=
Profit (loss) for the period before taxes9903€17k€18k▲
Income taxes67/77€-258€79▲
Profit (loss) for the period9904€18k€18k▲
Profit (loss) for the period to be appropriated9905€18k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-5k▲
Profit (loss) brought forward from the previous period14P€-41k€-23k▲
The notes to these accounts (1 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €18k ▲4.4%
Operating result €18k, net result €18k, both a record.
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity doublescurrent ratio 4.26
Current ratio from 1.83 to 4.26.
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity times 21current ratio 1.83
Current ratio from 0.09 to 1.83.
08-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €967
Net result €967 after 4 loss-making years.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
05-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 15 days 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, Jalhay · 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.
Nivezé Bas(SART) 224845 JalhayGround area
1,295 m²
Building footprint
134 m²
Volume, LiDAR
750 m³
Parcel 63068C0550/00V000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Institut belge de coaching international
since 20052.146.824.982
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63068C0550/00V000 | Wallonia | 1,295 m² | 1 · 134 m² | 7.4 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 10,459 companies in sector 86995 we hold annual accounts for 883. 654 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-12-1991
Fiscal year end30-09
Activities, NACEBEL
85146
86909Human health activities
86995Nutrition and dietetics services
47251Retail sale of wines and spirits
80421
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.