CRIVA
ActiveSummary
CRIVA has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €266k and a net result of €-12k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 65% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability47▼-21
Solvency77▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.09 in 2024; short-term debt: 15% and cash: 0.6% of total assets), and 48.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
22 d early
2023
34 d early
2022
20 d early
2021
19 d early
2020
29 d early
2019
29 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€266k▼ 4.2%
2024 · €278k
2018: €298k
2019: €283k▼ -5.1% vs 2018
2020: €294k▲ +3.7% vs 2019
2021: €312k▲ +6.3% vs 2020
2022: €313k▲ +0.3% vs 2021highest in 8 years
2023: €280k▼ -10.7% vs 2022
2024: €278k▼ -0.8% vs 2023
2025: €266k▼ -4.2% vs 2024lowest in 8 years
2018 → 2025
Total assets
€516k▼ 5.6%
2024 · €546k
2018: €473klowest in 8 years
2019: €670k▲ +41.9% vs 2018
2020: €632k▼ -5.7% vs 2019
2021: €672k▲ +6.3% vs 2020highest in 8 years
2022: €631k▼ -6.1% vs 2021
2023: €576k▼ -8.7% vs 2022
2024: €546k▼ -5.2% vs 2023
2025: €516k▼ -5.6% vs 2024
2018 → 2025
Net result
€-12k▼ 437%
2024 · €-2k
2018: €202khighest in 8 years
2019: €-15k▼ -107% vs 2018lowest in 8 years
2020: €-825▲ +94.6% vs 2019
2021: €19k▲ +2347% vs 2020
2022: €854▼ -95.4% vs 2021
2023: €-8k▼ -1079% vs 2022
2024: €-2k▲ +74.0% vs 2023
2025: €-12k▼ -437% vs 2024
2018 → 2025
Working capital
€2k▼ 71.0%
2024 · €7k
2018: €379khighest in 8 years
2019: €284k▼ -25.1% vs 2018
2020: €137k▼ -52.0% vs 2019
2021: €45k▼ -67.0% vs 2020
2022: €25k▼ -43.4% vs 2021
2023: €2k▼ -92.6% vs 2022lowest in 8 years
2024: €7k▲ +262% vs 2023
2025: €2k▼ -71.0% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€312k-€313k▲ 0.3%€280k▼ 10.7%€278k▼ 0.8%€266k▼ 4.2%
2021: €312k
2022: €313k▲ +0.3% vs 2021highest in 5 years
2023: €280k▼ -10.7% vs 2022
2024: €278k▼ -0.8% vs 2023
2025: €266k▼ -4.2% vs 2024lowest in 5 years
Operating result€19k-€661▼ 96.5%€-9k€-449▲ 95.2%€-13k▼ 2,827%
2021: €19khighest in 5 years
2022: €661▼ -96.5% vs 2021
2023: €-9k▼ -1516% vs 2022
2024: €-449▲ +95.2% vs 2023
2025: €-13k▼ -2827% vs 2024lowest in 5 years
Net result€19k-€854▼ 95.4%€-8k€-2k▲ 74.0%€-12k▼ 437%
2021: €19khighest in 5 years
2022: €854▼ -95.4% vs 2021
2023: €-8k▼ -1079% vs 2022
2024: €-2k▲ +74.0% vs 2023
2025: €-12k▼ -437% vs 2024lowest in 5 years
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 €13k in 2025 against €449 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €516k
Fixed assets
€436k ▼ 5.4%
Current assets
€80k ▼ 6.8%
Equity and liabilities €516k
Equity
€266k ▼ 4.2%
Provisions
€42k ▼ 6.2%
Debt
€208k ▼ 7.2%
Debt's share of the balance-sheet total falls from 40.9% to 40.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €24k
Cash flow
€13k▼
2024 · €23k
Current ratio
1.03▼
2024 · 1.09
Debt to equity
0.78▼
2024 · 0.81
ROE
-4.4%▼
2024 · -0.8%
ROA
-2.3%▼
2024 · -0.4%
Interest coverage
3.76▼
2024 · 7.41
Debt ≤ 1 year
€78k▼
2024 · €79k
Debt > 1 year
€129k▼
2024 · €144k
Income taxes
€81▼
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€546k€516k▼
Fixed assets21/28€461k€436k▼
Tangible fixed assets22/27€461k€436k▼
Land and buildings22€446k€424k▼
Plant, machinery and equipment23€15k€12k▼
Furniture and vehicles24€0€0=
Financial fixed assets28€176€176=
Current assets29/58€85k€80k▼
Amounts receivable after more than one year29€70k€70k=
Other amounts receivable291€70k€70k=
Amounts receivable within one year40/41€5k€5k▲
Trade receivables40€5k€2k▼
Other amounts receivable41-€3k
Cash at bank and in hand54/58€10k€3k▼
Deferred charges and accrued income490/1€574€1k▲
Equity and liabilities
Total equity and liabilities10/49€546k€516k▼
Equity10/15€278k€266k▼
Contributions10/11€30k€30k=
Reserves13€248k€236k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€136k€127k▼
Distributable reserves133€109k€105k▼
Provisions and deferred taxes16€45k€42k▼
Deferred taxes168€45k€42k▼
Amounts payable17/49€224k€208k▼
Amounts payable after more than one year17€144k€129k▼
Financial debts170/4€144k€129k▼
Amounts payable within one year42/48€79k€78k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€9k€6k▼
Suppliers440/4€9k€6k▼
Taxes, remuneration and social security45€138-
Taxes450/3€138-
Other amounts payable47/48€55k€57k▲
Accrued charges and deferred income492/3€720€720=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k=
Other operating charges640/8€3k€3k▲
Gross operating margin9900€27k€14k▼
Operating profit (loss)9901€-449€-13k▼
Financial income75/76B€2k€2k=
Recurring financial income75€2k€2k=
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-2k€-14k▼
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€3k€81▼
Profit (loss) for the period9904€-2k€-12k▼
Transfer from tax-exempt reserves789€8k€8k=
Profit (loss) for the period to be appropriated9905€6k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€-3k▼
Transfer from equity791/2-€3k
Transfer to equity691/2€6k-
To other reserves6921€6k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24k | €28k | €29k | €25k | €25k | = |
| Other operating charges640/8 | €2k | €2k | €3k | €3k | €3k | ▲ 4.6% |
| Gross operating margin9900 | €45k | €31k | €22k | €27k | €14k | ▼ 46.5% |
| Operating profit (loss)9901 | €19k | €661 | €-9k | €-449 | €-13k | ▼ 2,827% |
| Financial income75/76B | €5k | €5k | €3k | €2k | €2k | = |
| Recurring financial income75 | €5k | €5k | €3k | €2k | €2k | = |
| Financial charges65/66B | €4k | €4k | €4k | €3k | €3k | ▼ 5.7% |
| Recurring financial charges65 | €4k | €4k | €4k | €3k | €3k | ▼ 5.7% |
| Profit (loss) for the period before taxes9903 | €20k | €987 | €-10k | €-2k | €-14k | ▼ 656% |
| Transfer from deferred taxes780 | €3k | €3k | €3k | €3k | €3k | = |
| Income taxes67/77 | €5k | €3k | €2k | €3k | €81 | ▼ 97.4% |
| Profit (loss) for the period9904 | €19k | €854 | €-8k | €-2k | €-12k | ▼ 437% |
| Transfer from tax-exempt reserves789 | €10k | €10k | €10k | €8k | €8k | = |
| Profit (loss) for the period to be appropriated9905 | €29k | €11k | €2k | €6k | €-3k | ▼ 152% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €672k | €631k | €576k | €546k | €516k | ▼ 5.6% |
| Fixed assets21/28 | €512k | €513k | €486k | €461k | €436k | ▼ 5.4% |
| Tangible fixed assets22/27 | €512k | €513k | €486k | €461k | €436k | ▼ 5.4% |
| Land and buildings22 | €488k | €490k | €468k | €446k | €424k | ▼ 5.0% |
| Plant, machinery and equipment23 | €16k | €19k | €17k | €15k | €12k | ▼ 15.7% |
| Furniture and vehicles24 | €8k | €4k | - | €0 | €0 | - |
| Financial fixed assets28 | €176 | €176 | €176 | €176 | €176 | = |
| Current assets29/58 | €160k | €118k | €91k | €85k | €80k | ▼ 6.8% |
| Amounts receivable after more than one year29 | €70k | €70k | €70k | €70k | €70k | = |
| Other amounts receivable291 | €70k | €70k | €70k | €70k | €70k | = |
| Stocks and contracts in progress3 | €1k | - | - | - | - | - |
| Stocks30/36 | €1k | - | - | - | - | - |
| Amounts receivable within one year40/41 | €80k | €45k | €18k | €5k | €5k | ▲ 21.7% |
| Trade receivables40 | €25k | €2k | €538 | €5k | €2k | ▼ 49.6% |
| Other amounts receivable41 | €55k | €44k | €18k | - | €3k | - |
| Cash at bank and in hand54/58 | €8k | €2k | €2k | €10k | €3k | ▼ 72.4% |
| Deferred charges and accrued income490/1 | €383 | €479 | €522 | €574 | €1k | ▲ 120% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €672k | €631k | €576k | €546k | €516k | ▼ 5.6% |
| Equity10/15 | €312k | €313k | €280k | €278k | €266k | ▼ 4.2% |
| Contributions10/11 | €30k | €30k | €30k | €30k | €30k | = |
| Reserves13 | €282k | €283k | €250k | €248k | €236k | ▼ 4.7% |
| Non-distributable reserves130/1 | €3k | €3k | €3k | €3k | €3k | = |
| Reserves not available under the articles1311 | €3k | €3k | €3k | €3k | €3k | = |
| Tax-exempt reserves132 | €164k | €154k | €144k | €136k | €127k | ▼ 6.2% |
| Distributable reserves133 | €115k | €126k | €102k | €109k | €105k | ▼ 3.0% |
| Provisions and deferred taxes16 | €55k | €51k | €48k | €45k | €42k | ▼ 6.2% |
| Deferred taxes168 | €55k | €51k | €48k | €45k | €42k | ▼ 6.2% |
| Amounts payable17/49 | €305k | €267k | €249k | €224k | €208k | ▼ 7.2% |
| Amounts payable after more than one year17 | €190k | €174k | €159k | €144k | €129k | ▼ 10.4% |
| Financial debts170/4 | €190k | €174k | €159k | €144k | €129k | ▼ 10.4% |
| Amounts payable within one year42/48 | €115k | €92k | €89k | €79k | €78k | ▼ 1.3% |
| Current portion of amounts payable after more than one year42 | €19k | €17k | €15k | €15k | €15k | ▲ 1.5% |
| Trade debts44 | €1k | €6k | €3k | €9k | €6k | ▼ 38.6% |
| Suppliers440/4 | €1k | €6k | €3k | €9k | €6k | ▼ 38.6% |
| Advances received on contracts in progress46 | - | - | €2k | - | - | - |
| Taxes, remuneration and social security45 | €1k | €1k | - | €138 | - | - |
| Taxes450/3 | €1k | €1k | - | €138 | - | - |
| Other amounts payable47/48 | €94k | €68k | €69k | €55k | €57k | ▲ 4.4% |
| Accrued charges and deferred income492/3 | - | €700 | €725 | €720 | €720 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19k | €854 | €-8k | €-2k | €-12k | ▼ 437% |
| + Depreciation and write-downs630 | €24k | €28k | €29k | €25k | €25k | = |
| Operating cash flow (approximation) | €43k | €29k | €21k | €23k | €13k | ▼ 42.1% |
| Investment in fixed assets (approximation) | - | €-29k | €-1k | €0 | €0 | - |
| Change in cash | - | €-6k | €-92 | €8k | €-7k | ▼ 191% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Hamme (Vl.) · 1 establishment unit since 1980
Ground area
3,857 m²
Building footprint
780 m²
Volume, LiDAR
7,175 m³
2 parcels, Flanders · tallest building 12.0 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Roodkruisstraat 1, 9220 Hamme (Vl.)
since 19802.017.003.152
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42008A0074/00A000 | Flanders | 2,612 m² | 1 · 616 m² | 12.0 m · 4 fl. |
| 42008A0073/00B000 | Flanders | 1,244 m² | 1 · 164 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,241 companies in sector 47789 we hold annual accounts for 1,019. 771 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-01-1980
Fiscal year end31-12
Activities, NACEBEL 2025
47789Other retail sale of new goods
46499Wholesale of other household goods
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.