Equity
-€17,669
Debts exceed assets in financial year 2025.
VIVIMMO
Lifetime
19 annual accounts with figures on one time axis, 22 filings since 2004peak €255,119 (2007)
€170,495▲ €189,042
lowest -€149,995 (2010)
€57,352▲ €204,360
peak €128,106 (2021)
-€17,669▲ €57,352
€1.8m▼ 27.0%
peak 4.1 FTE (2007)
-not published
Board1 name since 2022
1 directorGoldor Invest BV
Owners2 names in the annual accounts
99.46%VIVINVEST
Documentsfilings and deeds
24-12-202538 days before the deadline
2025abbreviated format
Gross margin from -€18,547 to €170,495Back to profit: €57,352Equity from -€75,021 to -€17,669Debts from €2.4m to €1.8m
Key points
from the 2025 annual accountsResult
€57,352 €57,352
Back in profit in 2025, after a loss of €147,008 in 2024.
Turnover
≈ €300,000 estimated
The abbreviated format states no turnover.
Debts
€1.8m 101% of the balance sheet
Financial debts 38%Suppliers 3%Taxes and wages 0%Other 59%
€915,000 of the debts are secured on the company's own assets. In 2023 that was €342,394.
Filings
22 annual accounts since 2004
The last five annual accounts were filed 14 to 45 days before the end of the period.
Position in the sector
-€17,669
Less equity than 85% of companies in real estate. Sector median €300,201 · 11,304 companies.
Checked score
54
Fair
Financially stronger than 40% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%lowest value
01-2025: 0.9%▲ +0.2 percentage points vs 12-2024
02-2025: 0.9%● unchanged vs 01-2025
03-2025: 0.9%● unchanged vs 02-2025
04-2025: 0.9%● unchanged vs 03-2025
05-2025: 0.9%● unchanged vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025
07-2025: 0.9%● unchanged vs 06-2025
08-2025: 0.9%● unchanged vs 07-2025
09-2025: 0.9%● unchanged vs 08-2025
10-2025: 0.9%● unchanged vs 09-2025
11-2025: 0.9%● unchanged vs 10-2025
12-2025: 0.9%● unchanged vs 11-2025
01-2026: 1.0%▲ +0.1 percentage points vs 12-2025
02-2026: 1.0%● unchanged vs 01-2026
03-2026: 1.0%● unchanged vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026
05-2026: 1.0%● unchanged vs 04-2026
06-2026: 1.0%● unchanged vs 05-2026
07-2026: 1.0%● unchanged vs 06-2026
08-2026: 1.0%● unchanged vs 07-2026
09-2026: 1.0%● unchanged vs 08-2026
10-2026: 1.9%▲ +0.9 percentage points vs 09-2026highest value
11-2026: 1.8%▼ -0.1 percentage points vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 1.28
1 change of registered office in 24 months
Negative equity -€17,669
lowers risk
Size: total assets €1.7m
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 19% of them on solvency, 13% on liquidity, 40% on profitability and 89% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 519 companies had the same profile as VIVIMMO has now. Each dot stands for 2 companies, two years later.
91.5%
were still trading
3.9%
stopped another way
2.9%
went bankrupt
Another 1.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of VIVIMMO itself: 1.8% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 519 companies, not a prediction for VIVIMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is tight, with a current ratio of 1.28 (2.01 in 2024), below the usual 1.5. Short-term debt is 77.9% of total assets. Equity is negative.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 11299 sector peers (2025).
NBB · sector comparisonPosition among 11299 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-12-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 days early
2024
45 days early
2023
40 days early
2022
14 days early
2021
45 days early
2020
40 days early
2019
39 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 37 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 22 December (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Registered office moved within Herent
New registered office: Persilstraat 50, 3020 Herent · Previous registered office: Rijweg 171, 3020 Herent · Board meeting of 25-08-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0480085068
First establishment
Persilstraat 50, Herent
Incorporation
published on 02-05-2003 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VIVIMMO Herent | €1.7m | €170,495 | -1.0% | - |
| STEENGOED Leuven | €1.7m | €192,088 | 35.4% | - |
| QUATOR CORONATI GEENS Putte | €1.7m | €168,742 | 31.5% | - |
| HEDERA HELIX Rumst | €1.9m | €178,132 | 28.8% | - |
| Van Reeth Vastgoed Aartselaar | €1.9m | €189,951 | 80.2% | - |
| DOME IMMO Charleroi | €1.6m | €185,562 | 20.7% | - |
| CHAMPY-CODE Tournai | €2.0m | €159,330 | 20.2% | 0 |
These companies have the same main activity as VIVIMMO: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €1.6m and €2m, founded between 1998 and 2004.
Official details
Source: KBO- Status
- Active since 23-04-2003Normal situation
- Activity
- Real estate agency activitiesNACE 68310and 2 others
- Establishment unit
- 2.131.556.0933020 Herent, since 13-05-2003
- Financial year end
- 30 June
- Peppol
- Reachable since 23-10-2025
Annual accounts to 30-06-2025
- €1.7m▼ 25.4%
- Filing
- Filed on 24-12-2025, 38 days before the end of the filing period
Insights on VIVIMMO
VIVIMMO files the abbreviated format. That format states no turnover. The gross margin fell from €255,119 in 2007 to €170,495 in 2025.
VIVINVEST holds 99.46% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about VIVIMMO
- What is the company number of VIVIMMO?
- The company number of VIVIMMO is 0480.085.068. The VAT number is the same number with BE in front: BE 0480.085.068.
- Where is VIVIMMO based?
- The registered office is at Persilstraat 50, 3020 Herent.Company details
- What does VIVIMMO do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of VIVIMMO?
- VIVIMMO is a private limited company (pre-2019) (BVBA).
- When was VIVIMMO founded?
- VIVIMMO was founded on 23-04-2003.
- Is VIVIMMO still active?
- Yes, VIVIMMO is an active enterprise in the KBO register.
- What is the turnover of VIVIMMO?
- The turnover in financial year 2025 is ≈ €300,000. This figure is estimated from the gross margin of €170,495 and 32 comparable companies (NACE 68310). It probably lies between €240,000 and €460,000.Financials
- Is VIVIMMO profitable?
- In financial year 2025, VIVIMMO made a profit of €57,352.
- Where can I find the annual accounts of VIVIMMO?
- VIVIMMO filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of VIVIMMO due?
- VIVIMMO must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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