CHRIVERO
ActiveCHRIVERO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-136k) and a net result of €-57k. Equity is shrinking by ~42% per year across the filed fiscal years. Its solvency ranks better than 9% of 11185 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency33=
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.28 against 0.27 in 2024), and equity is negative.
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-110.1%
Return on assets
-46.4%
Age of the figures
8 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€136k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
27 d late
2023
30 d late
2022
31 d late
2021
150 d late
2020
89 d late
2019
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-136k▼ 72.9%
2024 · €-78k
2018: €11k
2019: €-10k
2020: €-21k
2021: €-34k
2022: €-37k
2023: €-52k
2024: €-78k
2018 → 2025
Total assets
€123k▲ 16.7%
2024 · €105k
2018: €449k
2019: €496k
2020: €587k
2021: €583k
2022: €161k
2023: €122k
2024: €105k
2018 → 2025
Net result
€-57k▼ 117%
2024 · €-26k
2018: €-28k
2019: €-21k
2020: €-11k
2021: €-13k
2022: €-3k
2023: €-16k
2024: €-26k
2018 → 2025
Working capital
€-187k▼ 40.2%
2024 · €-133k
2018: €-81k
2019: €-94k
2020: €-92k
2021: €-96k
2022: €-95k
2023: €-111k
2024: €-133k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-34k-€-37k▼ 7.6%€-52k▼ 42.5%€-78k▼ 50.4%€-136k▼ 72.9%
Operating result€-20k-€4k€-9k€-20k▼ 114%€-52k▼ 157%
Net result€-13k-€-3k▲ 80.2%€-16k▼ 502%€-26k▼ 69.0%€-57k▼ 117%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €52k in 2025 against €20k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €123k
Fixed assets
€52k▼ 6.4%
Current assets
€71k▲ 42.1%
Key figures and ratios
EBITDA
€-48k▼
2024 · €-17k
Cash flow
€-54k▼
2024 · €-23k
Solvency
-110.1%▼
2024 · -74.4%
Current ratio
0.28▲
2024 · 0.27
Quick ratio
0.00▼
2024 · 0.01
Debt / equity
-1.91▲
2024 · -2.34
ROE
42.1%▲
2024 · 33.5%
ROA
-46.4%▼
2024 · -24.9%
Interest coverage
-9.98▼
2024 · -2.81
Debt
€259k▲
2024 · €184k
Debt ≤ 1 year
€258k▲
2024 · €184k
Income taxes
€369▼
2024 · €385
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€105k€123k▲
Fixed assets21/28€55k€52k▼
Tangible fixed assets22/27€55k€52k▼
Land and buildings22€55k€51k▼
Furniture and vehicles24€363€227▼
Current assets29/58€50k€71k▲
Stocks and contracts in progress3€49k€71k▲
Stocks30/36€49k€71k▲
Cash at bank and in hand54/58€131€4▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€105k€123k▲
Equity10/15€-78k€-136k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-99k€-156k▼
Amounts payable17/49€184k€259k▲
Amounts payable within one year42/48€184k€258k▲
Financial debts43€19k€19k▲
Credit institutions430/8€19k€19k▲
Trade debts44€48k€38k▼
Suppliers440/4€48k€38k▼
Taxes, remuneration and social security45€15k€22k▲
Taxes450/3€15k€22k▲
Other amounts payable47/48€102k€179k▲
Accrued charges and deferred income492/3€350€350=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€6k€4k▼
Gross operating margin9900€-10k€-44k▼
Operating profit (loss)9901€-20k€-52k▼
Financial income75/76B€202€1▼
Recurring financial income75€202€1▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€-26k€-57k▼
Income taxes67/77€385€369▼
Profit (loss) for the period9904€-26k€-57k▼
Profit (loss) for the period to be appropriated9905€-26k€-57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-99k€-156k▼
Profit (loss) brought forward from the previous period14P€-73k€-99k▼
The notes to these accounts (4 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-57k
Net result drops to €-57k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 150 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 151 days late
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, Zottegem · 1 establishment unit since 2004
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.
Musselystraat 59620 ZottegemGround area
315 m²
Building footprint
335 m²
Volume, LiDAR
3,193 m³
Parcel 41081A0668/00A003, Flanders · tallest building 18.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHRIVERO
since 20042.137.862.479
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41081A0668/00A003 | Flanders | 315 m² | 1 · 335 m² | 18.3 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.
Similar companies · same sector, comparable size
Beltex
BE 0400.542.494
Kraainem · Eq €11k
LVR MENSWEAR AARTSELAAR
BE 0739.869.181
Aartselaar · Eq €11k
BlueTex
BE 0765.222.508
Geel · Eq €11k
BIBI MODA
BE 0721.493.720
Sint-Agatha-Berchem · Eq €11k
GALAXXIS
BE 0717.899.374
Antwerpen · Eq €11k
Of 1,299 companies in sector 46423 we hold annual accounts for 807. 337 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2004
Fiscal year end31-12
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
51421
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.