ViVo TECH
ActiveViVo TECH has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €2k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 75% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
81
/ 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
Profitability75▲+13
Solvency95=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 3.97 against 2.44 in 2024; short-term debt: 19.9% and cash: 24% of total assets), and 29.7% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
70.3%
Return on assets
4.8%
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 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
19 d late
2023
40 d early
2022
7 d early
2021
11 d late
2020
17 d late
2019
61 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 7.4%
2024 · €31k
2018: €9k
2019: €3k
2020: €25k
2021: €17k
2022: €34k
2023: €34k
2024: €31k
2018 → 2025
Total assets
€48k▲ 7.3%
2024 · €45k
2018: €18k
2019: €39k
2020: €51k
2021: €35k
2022: €49k
2023: €53k
2024: €45k
2018 → 2025
Net result
€2k
2024 · €-2k
2018: €12k
2019: €-5k
2020: €22k
2021: €-8k
2022: €17k
2023: €-346
2024: €-2k
2018 → 2025
Working capital
€28k▲ 89.5%
2024 · €15k
2018: €2k
2019: €3k
2020: €23k
2021: €14k
2022: €16k
2023: €11k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€34k▲ 99.0%€34k▼ 1.0%€31k▼ 6.7%€34k▲ 7.4%
Operating result€-12k-€22k€725▼ 96.7%€-2k€3k
Net result€-8k-€17k€-346€-2k▼ 549%€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€10k▼ 48.4%
Current assets
€38k▲ 49.6%
Equity and liabilities €48k
Equity
€34k▲ 7.4%
Debt
€14k▲ 7.2%
The debt ratio stays at 29.7%.
Key figures and ratios
EBITDA
€12k▲
2024 · €10k
Cash flow
€12k▲
2024 · €10k
Solvency
70.3%=
2024 · 70.2%
Current ratio
3.97▲
2024 · 2.44
Quick ratio
3.97▲
2024 · 2.44
Debt / equity
0.42▼
2024 · 0.42
ROE
6.9%▲
2024 · -7.1%
ROA
4.8%▲
2024 · -5.0%
Interest coverage
16.40▲
2024 · 9.03
Debt
€14k▲
2024 · €13k
Debt ≤ 1 year
€10k▼
2024 · €10k
Income taxes
€965
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€45k€48k▲
Fixed assets21/28€19k€10k▼
Tangible fixed assets22/27€19k€10k▼
Plant, machinery and equipment23€4k€636▼
Furniture and vehicles24€15k€9k▼
Current assets29/58€25k€38k▲
Amounts receivable within one year40/41€21k€25k▲
Trade receivables40-€5k
Other amounts receivable41€21k€20k▼
Cash at bank and in hand54/58€4k€12k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€45k€48k▲
Equity10/15€31k€34k▲
Contributions10/11€21k€21k=
Reserves13€10k€13k▲
Distributable reserves133€10k€13k▲
Amounts payable17/49€13k€14k▲
Amounts payable within one year42/48€10k€10k▼
Trade debts44€10k€7k▼
Suppliers440/4€10k€7k▼
Taxes, remuneration and social security45€686€3k▲
Taxes450/3€686€3k▲
Accrued charges and deferred income492/3€3k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€9k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€12k€13k▲
Operating profit (loss)9901€-2k€3k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€1k€748▼
Recurring financial charges65€1k€748▼
Profit (loss) for the period before taxes9903€-2k€3k▲
Income taxes67/77-€965
Profit (loss) for the period9904€-2k€2k▲
Profit (loss) for the period to be appropriated9905€-2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€2k▲
Transfer from equity791/2€2k-
Transfer to equity691/2-€2k
To other reserves6921-€2k
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-12
Financial
Weakest financial yearnet €-8k ▼137%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.13
Current ratio from 1.22 to 3.13; short-term debt falls from €15k to €11k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
23-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 176 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mol · 1 establishment unit since 2010
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.
Postelsesteenweg 492400 MolGround area
312 m²
Building footprint
176 m²
Volume, LiDAR
856 m³
Parcel 13025G0973/00X030, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vivo
since 20102.194.413.182
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13025G0973/00X030 | Flanders | 312 m² | 1 · 176 m² | 9.2 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 2,155 EUR awarded · 2,138 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,338 EUR | 1,321 EUR |
| 2024 | 1 | 817 EUR | 817 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,790 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2010
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
18200Printing and reproduction of recorded media
43320Joinery installation
43422Screed work
43910Bricklaying and masonry work
43994Specialised construction activities
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.