Zivota
ActiveZivota has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €13k. Equity is growing by ~29.8% per year across the filed fiscal years. Its solvency ranks better than 15% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+45
Solvency33▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.09 against 0.09 in 2024; short-term debt: 54% and cash: 1.8% of total assets), and 91.7% 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
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 →
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
8.3%
Return on assets
2.9%
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 15% of 31544 sector peers (2025).
NBB · sector comparisonPosition among 31544 sector peers
Solvency
better than 15%
← weakest
strongest →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 d early
2024
55 d early
2023
51 d early
2022
21 d early
2021
41 d early
2020
39 d early
2019
39 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€37k▲ 55.0%
2024 · €24k
2018: €-8k
2019: €-8k
2020: €8k
2021: €23k
2022: €43k
2023: €32k
2024: €24k
2018 → 2025
Total assets
€445k▼ 1.4%
2024 · €451k
2018: €378k
2019: €378k
2020: €366k
2021: €352k
2022: €355k
2023: €339k
2024: €451k
2018 → 2025
Net result
€13k
2024 · €-8k
2018: €-14k
2019: €-14k
2020: €9k
2021: €15k
2022: €20k
2023: €-11k
2024: €-8k
2018 → 2025
Working capital
€-219k▼ 4.4%
2024 · €-210k
2018: €-9k
2019: €-16k
2020: €-33k
2021: €-35k
2022: €-33k
2023: €-64k
2024: €-210k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€43k▲ 87.7%€32k▼ 26.5%€24k▼ 25.4%€37k▲ 55.0%
Operating result€28k-€33k▲ 18.3%€-6k€-3k▲ 48.2%€18k
Net result€15k-€20k▲ 35.0%€-11k€-8k▲ 29.5%€13k
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: €18k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €445k
Fixed assets
€424k▼ 1.5%
Current assets
€21k▲ 0.1%
Equity and liabilities €445k
Equity
€37k▲ 55.0%
Debt
€408k▼ 4.5%
The debt ratio falls from 94.7% to 91.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▲
2024 · €5k
Cash flow
€25k▲
2024 · €-137
Solvency
8.3%▲
2024 · 5.3%
Current ratio
0.09▼
2024 · 0.09
Quick ratio
0.09▼
2024 · 0.09
Debt / equity
11.09▼
2024 · 18.00
ROE
35.5%▲
2024 · -34.0%
ROA
2.9%▲
2024 · -1.8%
Interest coverage
5.75▲
2024 · 1.00
Debt
€408k▼
2024 · €428k
Debt ≤ 1 year
€240k▲
2024 · €231k
Debt > 1 year
€168k▼
2024 · €197k
Income taxes
€165▲
2024 · €128
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€451k€445k▼
Fixed assets21/28€430k€424k▼
Tangible fixed assets22/27€430k€424k▼
Land and buildings22€430k€419k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24-€3k
Current assets29/58€21k€21k▲
Amounts receivable within one year40/41€19k€11k▼
Trade receivables40€14k€6k▼
Other amounts receivable41€5k€5k▼
Cash at bank and in hand54/58€92€8k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€451k€445k▼
Equity10/15€24k€37k▲
Contributions10/11€6k€6k=
Reserves13€37k€37k=
Distributable reserves133€37k€37k=
Profit (loss) carried forward14€-20k€-6k▲
Amounts payable17/49€428k€408k▼
Amounts payable after more than one year17€197k€168k▼
Financial debts170/4€197k€168k▼
Amounts payable within one year42/48€231k€240k▲
Current portion of amounts payable after more than one year42€28k€29k▲
Financial debts43€3k€3k=
Credit institutions430/8€3k€3k=
Trade debts44€858€4k▲
Suppliers440/4€858€4k▲
Taxes, remuneration and social security45€18k€9k▼
Taxes450/3€10k€5k▼
Remuneration and social security454/9€8k€4k▼
Other amounts payable47/48€182k€196k▲
Accrued charges and deferred income492/3€66€67▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€12k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€7k€32k▲
Operating profit (loss)9901€-3k€18k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€-8k€13k▲
Income taxes67/77€128€165▲
Profit (loss) for the period9904€-8k€13k▲
Profit (loss) for the period to be appropriated9905€-8k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-6k▲
Profit (loss) brought forward from the previous period14P€-11k€-20k▼
The notes to these accounts (7 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €20k ▲35%
Operating result €33k, net result €20k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Maldegem · 1 establishment unit since 2017
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.
Oosteindeke 539991 MaldegemGround area
5,310 m²
Building footprint
297 m²
Volume, LiDAR
1,294 m³
Parcel 43001B0689/00A000, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ZIVOTA
since 20172.264.870.321
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43001B0689/00A000 | Flanders | 5,310 m² | 1 · 297 m² | 7.1 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.
Similar companies · same sector, comparable size
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GEDEBIO
BE 0799.438.762
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DAVID MALKA
BE 0773.688.331
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PEPPERONI
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 36,072 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.