VIVIER DAVID
ActiveVIVIER DAVID has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €179k and a net result of €-8k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 64% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-37
Solvency76▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 1.97 in 2024; short-term debt: 49.3% and cash: 5.7% of total assets), and 49.4% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
14 d early
2023
33 d early
2022
23 d early
2021
11 d early
2020
10 d late
2019
27 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
Turnover
€0
2018 · €0
2018: €0
2018 → 2019
Total assets
€353k▼ 6.6%
2024 · €378k
2018: €297k
2019: €310k
2020: €281k
2021: €319k
2022: €310k
2023: €337k
2024: €378k
2018 → 2025
Net result
€-8k
2024 · €23k
2018: €-43k
2019: €-30k
2020: €-38k
2021: €165k
2022: €4k
2023: €18k
2024: €23k
2018 → 2025
Working capital
€168k▼ 9.9%
2024 · €186k
2018: €32k
2019: €2k
2020: €-36k
2021: €141k
2022: €146k
2023: €163k
2024: €186k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€146k▲ 3.1%€163k▲ 12.2%€186k▲ 14.0%€179k▼ 4.0%
Operating result€168k-€7k▼ 95.9%€20k▲ 193%€25k▲ 25.1%€-6k
Net result€165k-€4k▼ 97.3%€18k▲ 302%€23k▲ 29.0%€-8k
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 €6k after €25k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €353k
Fixed assets
€11k
Current assets
€342k
Equity and liabilities €353k
Equity
€179k▼ 4.0%
Debt
€174k▼ 9.2%
The debt ratio falls from 50.7% to 49.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-5k
Cash flow
€-6k
Solvency
50.6%▲
2024 · 49.3%
Current ratio
1.96▼
2024 · 1.97
Quick ratio
1.38▲
2024 · 1.31
Debt / equity
0.97▼
2024 · 1.03
ROE
-4.2%▼
2024 · 12.3%
ROA
-2.1%▼
2024 · 6.1%
Interest coverage
-3.13
Debt
€174k▼
2024 · €192k
Debt ≤ 1 year
€174k▼
2024 · €192k
Income taxes
€141▼
2024 · €141
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€378k€353k▼
Fixed assets21/28-€11k
Tangible fixed assets22/27-€11k
Other tangible fixed assets26-€11k
Current assets29/58€378k€342k▼
Stocks and contracts in progress3€127k€102k▼
Stocks30/36€127k€102k▼
Amounts receivable within one year40/41€216k€216k=
Trade receivables40€188k€189k▲
Other amounts receivable41€28k€27k▼
Cash at bank and in hand54/58€24k€20k▼
Deferred charges and accrued income490/1€12k€5k▼
Equity and liabilities
Total equity and liabilities10/49€378k€353k▼
Equity10/15€186k€179k▼
Contributions10/11€13k€13k=
Reserves13€423k€423k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€422k€422k=
Profit (loss) carried forward14€-250k€-257k▼
Amounts payable17/49€192k€174k▼
Amounts payable within one year42/48€192k€174k▼
Trade debts44€73k€42k▼
Suppliers440/4€73k€42k▼
Taxes, remuneration and social security45€306€141▼
Taxes450/3€306€141▼
Other amounts payable47/48€119k€132k▲
Accrued charges and deferred income492/3€13€13=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1k
Other operating charges640/8€940€951▲
Gross operating margin9900€26k€-4k▼
Operating profit (loss)9901€25k€-6k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€23k€-7k▼
Income taxes67/77€141€141▼
Profit (loss) for the period9904€23k€-8k▼
Profit (loss) for the period to be appropriated9905€23k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-250k€-257k▼
Profit (loss) brought forward from the previous period14P€-273k€-250k▲
The notes to these accounts (5 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €163k ▲12.2%
3 profitable years in a row build equity to €163k.
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €165k
Net result €165k after 3 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.80
Current ratio from 0.88 to 1.80; short-term debt falls from €306k to €178k.
31-12
Financial
Equity above €100kEq €141k
Equity rises from €-24k to €141k.
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Leuze-en-Hainaut · 1 establishment unit since 1988
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 de Malametz(L) 687900 Leuze-en-HainautGround area
1,632 m²
Building footprint
101 m²
Volume, LiDAR
510 m³
Parcel 57048B0846/00B000, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chemin de Malametz(L) 68, 7900 Leuze-en-Hainaut
since 19882.040.317.893
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57048B0846/00B000 | Wallonia | 1,632 m² | 1 · 101 m² | 7.0 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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BE 0632.901.838
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MAISON DEMOULIN
BE 0477.742.717
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ALEM
BE 0477.240.295
Antwerpen · Eq €175k
J.M.O.
BE 0426.802.374
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Of 418 companies in sector 47260 we hold annual accounts for 264. 211 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-1988
Fiscal year end31-12
Activities, NACEBEL
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 38 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.