VIVES PARTNERS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €332k and a net result of €-2k. Its solvency ranks better than 59% of 8013 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
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 07-07-2026, 24 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
24 d early
2024
29 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, micro schema
Equity
€332k▼ 0.5%
2024 · €334k
2024: €334k
2024 → 2025
Net result
€-2k
2024 · €332k
2024: €332k
2024 → 2025
Total assets
€538k▲ 16.2%
2024 · €462k
2024: €462k
2024 → 2025
Solvency
61.8%▼ 10.4pp
2024 · 72.2%
2024: 72.2%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€334k-€332k▼ 0.5%
Operating result€442k-€-4k
Net result€332k-€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €442k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €538k
Fixed assets
€47k▲ 11.7%
Current assets
€491k▲ 16.7%
Equity and liabilities €538k
Equity
€332k▼ 0.5%
Debt
€205k▲ 59.5%
The debt ratio rises from 27.8% to 38.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
61.8%▼
2024 · 72.2%
ROE
-0.5%▼
2024 · 99.4%
ROA
-0.3%▼
2024 · 71.7%
Debt
€205k▲
2024 · €129k
Debt ≤ 1 year
€205k▲
2024 · €129k
Income taxes
€769▼
2024 · €112k
Staff costs
€31k
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€462k€538k▲
Fixed assets21/28€42k€47k▲
Tangible fixed assets22/27€12k€10k▼
Furniture and vehicles24€3k€3k▼
Other tangible fixed assets26€9k€7k▼
Financial fixed assets28€30k€37k▲
Current assets29/58€420k€491k▲
Amounts receivable within one year40/41€126k€5k▼
Trade receivables40€126k€5k▼
Other amounts receivable41-€210
Current investments50/53€250k€350k▲
Cash at bank and in hand54/58€36k€134k▲
Deferred charges and accrued income490/1€8k€1k▼
Equity and liabilities
Total equity and liabilities10/49€462k€538k▲
Equity10/15€334k€332k▼
Contributions10/11€2k€2k=
Reserves13€332k€330k▼
Distributable reserves133€332k€330k▼
Amounts payable17/49€129k€205k▲
Amounts payable within one year42/48€129k€205k▲
Trade debts44€18k€91k▲
Suppliers440/4€18k€91k▲
Taxes, remuneration and social security45€111k€114k▲
Taxes450/3€111k€111k=
Remuneration and social security454/9-€3k
Income statement
Code20242025
Remuneration, social security and pensions62-€31k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€387€480▲
Gross operating margin9900€446k€31k▼
Operating profit (loss)9901€442k€-4k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€346€419▲
Recurring financial charges65€346€419▲
Profit (loss) for the period before taxes9903€443k€-767▼
Income taxes67/77€112k€769▼
Profit (loss) for the period9904€332k€-2k▼
Profit (loss) for the period to be appropriated9905€332k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€332k€-2k▼
Transfer from equity791/2-€2k
Transfer to equity691/2€332k-
To other reserves6921€332k-
The notes to these accounts (9 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-08
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
State Gazette act
General meeting · Capital increase
Share issue · Bank account
18-06
State Gazette act
General meeting · Board meeting
Director resignation · Director appointment
26-03
State Gazette act
Board meeting · Director resignation
Director appointment · Permanent representative
21-02
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
State Gazette actNBB filing
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Wavre · 1 establishment unit since 2024
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.
Chemin du Stocquoy 11300 WavreGround area
3,033 m²
Building footprint
1,266 m²
Volume, LiDAR
14,653 m³
Parcel 25772K0082/00W000, Wallonia · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Vives Partners
since 20242.353.999.661
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25772K0082/00W000 | Wallonia | 3,033 m² | 1 · 1,266 m² | 16.3 m · 4 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.
Structure & network
Connections & network
2 connected companiesNetwork connections
Shared director
→
Shared director
→
Ownership & control
4 partiesVIVES PARTNERSBE 1004.227.835
controls
Where this company holds controlthis company sits on their board4
1 location
1 location
1 subsidiary
Similar companies · same sector, comparable size
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VP INVEST KEMPEN
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Of 153 companies in sector 64310 we hold annual accounts for 73. 37 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2024
Fiscal year end31-12
Abbreviation FR
VP
Activities, NACEBEL
64310Financial service activities, except insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.
Contact details
2 entriesE-mail:p.durieux@vivesfund.com
Phone:+32472206355