AKT/RIVA
ActiveAKT/RIVA has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €269k and a net result of €30k. Equity is growing by ~20% per year across the filed fiscal years. Its solvency ranks better than 63% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▲+24
Solvency92▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.33 against 2.19 in 2024), but 52.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
47.2%
Return on assets
5.2%
Age of the figures
8 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 22-08-2026, 22 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
22 d late
2024
111 d late
2023
14 d late
2022
16 d late
2021
1 d early
2020
46 d early
2019
44 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€269k▲ 12.5%
2024 · €239k
2018: €16k
2019: €57k
2020: €141k
2021: €149k
2022: €208k
2023: €224k
2024: €239k
2018 → 2025
Total assets
€569k▲ 2.9%
2024 · €553k
2018: €281k
2019: €312k
2020: €699k
2021: €476k
2022: €576k
2023: €565k
2024: €553k
2018 → 2025
Net result
€30k▲ 104%
2024 · €15k
2018: €6k
2019: €44k
2020: €83k
2021: €8k
2022: €59k
2023: €16k
2024: €15k
2018 → 2025
Working capital
€148k▲ 21.0%
2024 · €122k
2018: €46k
2019: €88k
2020: €102k
2021: €70k
2022: €89k
2023: €119k
2024: €122k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€149k-€208k▲ 39.6%€224k▲ 7.7%€239k▲ 6.5%€269k▲ 12.5%
Operating result€9k-€-73k€25k€25k▼ 1.7%€44k▲ 76.7%
Net result€8k-€59k▲ 601%€16k▼ 72.7%€15k▼ 9.2%€30k▲ 104%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 77% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €569k
Fixed assets
€310k▼ 5.5%
Current assets
€259k▲ 15.2%
Equity and liabilities €569k
Equity
€269k▲ 12.5%
Debt
€300k▼ 4.3%
The debt ratio falls from 56.8% to 52.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€61k▲
2024 · €42k
Cash flow
€47k▲
2024 · €32k
Solvency
47.2%▲
2024 · 43.2%
Current ratio
2.33▲
2024 · 2.19
Quick ratio
2.33▲
2024 · 2.19
Debt / equity
1.12▼
2024 · 1.31
ROE
11.1%▲
2024 · 6.1%
ROA
5.2%▲
2024 · 2.6%
Interest coverage
11.04▲
2024 · 6.22
Debt
€300k▼
2024 · €314k
Debt ≤ 1 year
€111k▲
2024 · €102k
Debt > 1 year
€189k▼
2024 · €211k
Income taxes
€22k▲
2024 · €11k
Staff costs
€3k▼
2024 · €4k
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€553k€569k▲
Fixed assets21/28€328k€310k▼
Tangible fixed assets22/27€327k€309k▼
Land and buildings22€287k€268k▼
Plant, machinery and equipment23€26k€31k▲
Furniture and vehicles24€8k€4k▼
Other tangible fixed assets26€7k€7k=
Financial fixed assets28€1k€1k=
Current assets29/58€225k€259k▲
Amounts receivable within one year40/41€206k€234k▲
Trade receivables40€74k€101k▲
Other amounts receivable41€132k€133k▲
Current investments50/53€8k€18k▲
Cash at bank and in hand54/58€6k€3k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€553k€569k▲
Equity10/15€239k€269k▲
Contributions10/11€69k€69k=
Reserves13€170k€200k▲
Distributable reserves133€170k€200k▲
Amounts payable17/49€314k€300k▼
Amounts payable after more than one year17€211k€189k▼
Financial debts170/4€211k€189k▼
Amounts payable within one year42/48€102k€111k▲
Current portion of amounts payable after more than one year42€22k€22k▲
Financial debts43€2k€13k▲
Credit institutions430/8€2k€13k▲
Trade debts44€65k€51k▼
Suppliers440/4€65k€51k▼
Taxes, remuneration and social security45€14k€21k▲
Taxes450/3€14k€21k▲
Other amounts payable47/48-€4k
Accrued charges and deferred income492/3€85€85=
Income statement
Code20242025
Non-recurring operating income76A€24k€0▼
Remuneration, social security and pensions62€4k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€50k€66k▲
Operating profit (loss)9901€25k€44k▲
Financial income75/76B€8k€14k▲
Recurring financial income75€8k€14k▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€26k€52k▲
Income taxes67/77€11k€22k▲
Profit (loss) for the period9904€15k€30k▲
Profit (loss) for the period to be appropriated9905€15k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€30k▲
Transfer to equity691/2€15k€30k▲
To other reserves6921€15k€30k▲
The notes to these accounts (16 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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
2025
19-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 111 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Equity above €200kEq €208k ▲39.6%
5 profitable years in a row build equity to €208k.
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €83k ▲89.6%
Operating result €105k, net result €83k, both a record.
31-12
Financial
Equity above €100kEq €141k ▲145%
3 profitable years in a row build equity to €141k.
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Truiden · 1 establishment unit since 2002
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.
Hasseltsesteenweg 3243800 Sint-TruidenGround area
5,284 m²
Building footprint
369 m²
Volume, LiDAR
3,099 m³
2 parcels, Flanders · tallest building 17.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Schepen Dejonghstraat 29, 3800 Sint-Truiden
since 20022.115.556.934
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053H0278/00E000 | Flanders | 3,087 m² | 1 · 162 m² | 17.7 m · 5 fl. |
| 71352B0432/00M000 | Flanders | 2,197 m² | 1 · 207 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 250 EUR awarded · 250 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 250 EUR | 250 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
699400LV9LLELVUVST83
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BEAUPRE
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BOCOFIN
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Of 11,702 companies in sector 68310 we hold annual accounts for 6,876. 5,018 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2002
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.
Business parks
1 parkOffers a parcel on business park:Schurhovenveld