ViVlam
ActiveViVlam has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €46k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 23% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-7
Solvency45▼-55
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 5.83 in 2024; short-term debt: 77% and cash: 64.7% of total assets), and 79.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
20.2%
Return on assets
19.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 31697 sector peers (2025).
NBB · sector comparisonPosition among 31697 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
30 d late
2022
31 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 73.8%
2024 · €179k
2022: €65k
2023: €77k
2024: €179k
2022 → 2025
Total assets
€233k▲ 3.2%
2024 · €226k
2022: €177k
2023: €148k
2024: €226k
2022 → 2025
Net result
€46k▼ 55.4%
2024 · €102k
2022: €64k
2023: €12k
2024: €102k
2022 → 2025
Working capital
€761▼ 99.4%
2024 · €129k
2022: €45k
2023: €51k
2024: €129k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€65k-€77k▲ 17.6%€179k▲ 133%€47k▼ 73.8%
Operating result€83k-€17k▼ 79.5%€135k▲ 692%€61k▼ 54.7%
Net result€64k-€12k▼ 82.1%€102k▲ 790%€46k▼ 55.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233k
Fixed assets
€53k▼ 24.5%
Current assets
€180k▲ 15.7%
Equity and liabilities €233k
Equity
€47k▼ 73.8%
Debt
€186k▲ 298%
The debt ratio rises from 20.7% to 79.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€80k▼
2024 · €153k
Cash flow
€65k▼
2024 · €121k
Solvency
20.2%▼
2024 · 79.3%
Current ratio
1.00▼
2024 · 5.83
Quick ratio
1.00▼
2024 · 5.83
Debt / equity
3.96▲
2024 · 0.26
ROE
97.2%▲
2024 · 57.1%
ROA
19.6%▼
2024 · 45.3%
Interest coverage
136.72▼
2024 · 204.02
Debt
€186k▲
2024 · €47k
Debt ≤ 1 year
€180k▲
2024 · €27k
Debt > 1 year
€7k▼
2024 · €20k
Income taxes
€15k▼
2024 · €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€226k€233k▲
Fixed assets21/28€70k€53k▼
Tangible fixed assets22/27€70k€53k▼
Furniture and vehicles24€47k€30k▼
Other tangible fixed assets26€23k€23k=
Current assets29/58€156k€180k▲
Amounts receivable within one year40/41€46k€28k▼
Trade receivables40€45k€18k▼
Other amounts receivable41€1k€10k▲
Cash at bank and in hand54/58€108k€151k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€226k€233k▲
Equity10/15€179k€47k▼
Contributions10/11€1k€1k=
Reserves13€178k€46k▼
Distributable reserves133€178k€46k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€47k€186k▲
Amounts payable after more than one year17€20k€7k▼
Financial debts170/4€20k€7k▼
Amounts payable within one year42/48€27k€180k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€7k€12k▲
Other amounts payable47/48€3k€149k▲
Accrued charges and deferred income492/3-€14
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€1k€991▼
Gross operating margin9900€154k€81k▼
Operating profit (loss)9901€135k€61k▼
Financial income75/76B€3€545▲
Recurring financial income75€3€545▲
Financial charges65/66B€750€588▼
Recurring financial charges65€750€588▼
Profit (loss) for the period before taxes9903€134k€61k▼
Income taxes67/77€31k€15k▼
Profit (loss) for the period9904€102k€46k▼
Profit (loss) for the period to be appropriated9905€102k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€102k€46k▼
Transfer from equity791/2-€178k
Transfer to equity691/2€102k€46k▼
To other reserves6921€102k€46k▼
Profit to be distributed694/7-€178k
Return on contributions (dividend)694-€178k
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2022net €102k ▲790%
Operating result €135k, net result €102k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.83
Current ratio from 2.35 to 5.83; short-term debt falls from €38k to €27k.
31-12
Financial
Equity above €150kEq €179k ▲133%
3 profitable years in a row build equity to €179k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €12k ▼82.1%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Martens-Latem · 1 establishment unit since 2022
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.
Vossestaart 239830 Sint-Martens-LatemGround area
2,732 m²
Building footprint
216 m²
Volume, LiDAR
841 m³
Parcel 44064A0488/00N000, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ViVlam
since 20222.332.502.085
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064A0488/00N000 | Flanders | 2,732 m² | 1 · 216 m² | 7.6 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 570 EUR awarded · 570 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 570 EUR | 570 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 37,820 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.