VIVERIT
ActiveVIVERIT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €33k. Equity is shrinking by ~32.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 28% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+20
Solvency56▼-33
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.95 against 2.51 in 2024; short-term debt: 44.4% and cash: 40.6% of total assets), and 68.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
31.2%
Return on assets
27.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 4 filingsDeviation from the deadline
2025
29 d late
2024
65 d early
2023
29 d late
2022
29 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▼ 85.4%
2024 · €254k
2022: €293k
2023: €346k
2024: €254k
2022 → 2025
Total assets
€119k▼ 69.9%
2024 · €395k
2022: €334k
2023: €383k
2024: €395k
2022 → 2025
Net result
€33k▼ 9.2%
2024 · €36k
2022: €101k
2023: €52k
2024: €36k
2022 → 2025
Working capital
€-3k
2024 · €214k
2022: €235k
2023: €278k
2024: €214k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€293k-€346k▲ 17.9%€254k▼ 26.5%€37k▼ 85.4%
Operating result€121k-€71k▼ 41.3%€47k▼ 34.2%€46k▼ 1.0%
Net result€101k-€52k▼ 48.0%€36k▼ 30.3%€33k▼ 9.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 1% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€69k▲ 70.9%
Current assets
€50k▼ 85.9%
Equity and liabilities €119k
Equity
€37k▼ 85.4%
Debt
€82k▼ 42.1%
The debt ratio rises from 35.8% to 68.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€89k▲
2024 · €74k
Cash flow
€75k▲
2024 · €64k
Solvency
31.2%▼
2024 · 64.2%
Current ratio
0.95▼
2024 · 2.51
Quick ratio
0.95▼
2024 · 2.51
Debt / equity
2.21▲
2024 · 0.56
ROE
89.2%▲
2024 · 14.4%
ROA
27.8%▲
2024 · 9.2%
Interest coverage
64.54▼
2024 · 554.56
Debt
€82k▼
2024 · €141k
Debt ≤ 1 year
€53k▼
2024 · €141k
Debt > 1 year
€29k
Income taxes
€13k▼
2024 · €14k
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€395k€119k▼
Fixed assets21/28€40k€69k▲
Intangible fixed assets21€22k€7k▼
Tangible fixed assets22/27€19k€62k▲
Furniture and vehicles24€19k€62k▲
Current assets29/58€355k€50k▼
Amounts receivable within one year40/41€15k€77▼
Trade receivables40€0€77▲
Other amounts receivable41€15k€0▼
Cash at bank and in hand54/58€336k€48k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€395k€119k▼
Equity10/15€254k€37k▼
Contributions10/11€254k€4k▼
Reserves13-€33k
Distributable reserves133-€33k
Profit (loss) carried forward14€0€0=
Amounts payable17/49€141k€82k▼
Amounts payable after more than one year17-€29k
Financial debts170/4-€29k
Amounts payable within one year42/48€141k€53k▼
Current portion of amounts payable after more than one year42-€20k
Trade debts44€12k€5k▼
Suppliers440/4€12k€5k▼
Taxes, remuneration and social security45€20k€24k▲
Taxes450/3€20k€24k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€109k€3k▼
Income statement
Code20242025
Non-recurring operating income76A-€26k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€42k▲
Other operating charges640/8€513€528▲
Gross operating margin9900€75k€89k▲
Operating profit (loss)9901€47k€46k▼
Financial income75/76B€3k€966▼
Recurring financial income75€3k€966▼
Financial charges65/66B€134€1k▲
Recurring financial charges65€134€1k▲
Profit (loss) for the period before taxes9903€50k€46k▼
Income taxes67/77€14k€13k▼
Profit (loss) for the period9904€36k€33k▼
Profit (loss) for the period to be appropriated9905€36k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€128k€33k▼
Profit (loss) brought forward from the previous period14P€92k€0▼
Transfer to equity691/2-€33k
To other reserves6921-€33k
Profit to be distributed694/7€128k€0▼
Return on contributions (dividend)694€128k€0▼
The notes to these accounts (11 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Weakest financial yearnet €33k ▼9.2%
Net result drops to €33k, the lowest in the series.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Kortrijk · 1 establishment unit since 2017
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.
Hof ter Melle(Heu) 448501 KortrijkGround area
703 m²
Building footprint
192 m²
Volume, LiDAR
11 m³
2 parcels, Flanders · tallest building 0.2 m. Linked by address, not a title deed.
1 establishment unit
Hof ter Melle(Heu) 44041, 8501 Kortrijk
since 20172.273.127.001
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34016A0562/00L009 | Flanders | 353 m² | 1 · 88 m² | 0.2 m |
| 34016A0562/00M006 | Flanders | 350 m² | 1 · 104 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 3 entries · 6,056 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 0 EUR | 0 EUR |
| 2024 | 1 | 6,056 EUR | 0 EUR |
Schemes
Ecologiepremie+
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2017
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.