CRV CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of CRV CONCEPT is 2.9% (moderate). The 2025 annual accounts show equity of €40,532 and a net result of -€7,758. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 48% of 4583 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability46▼-49
Solvency64▼-18
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.82 in 2024; short-term debt: 48.4% and cash: 11.9% of total assets), and 61.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
38.8%
Return on assets
-7.4%
Age of the figures
9 mo
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 · 4 filingsDeviation from the deadline
2025
2 d early
2024
92 d late
2023
92 d late
2022
4 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 45 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
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. Usually files around 14 September (3 of the last 4 filed years within 48 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€40,532▼ 23.9%
2024 · €53,290
Total assets
€104,333▲ 11.3%
2024 · €93,779
Net result
-€7,758
2024 · €19,762
Working capital
€12,498▼ 33.6%
2024 · €18,815
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€50,847--€11,729€26,375-€2,180
Net result€41,632above the sector's middle half--€13,104below the sector's middle half€19,762within the sector's middle half-€7,758below the sector's middle half
Equity€46,632within the sector's middle half-€33,528within the sector's middle half▼ 28.1%€53,290within the sector's middle half▲ 58.9%€40,532within the sector's middle half▼ 23.9%
Total assets€133,906within the sector's middle half-€84,192within the sector's middle half▼ 37.1%€93,779within the sector's middle half▲ 11.4%€104,333within the sector's middle half▲ 11.3%
Debt€87,274-€50,663▼ 41.9%€40,489▼ 20.1%€63,802▲ 57.6%
Working capital€10,255within the sector's middle half--€1,048within the sector's middle half€18,815within the sector's middle half€12,498within the sector's middle half▼ 33.6%
Solvency34.8%within the sector's middle half-39.8%within the sector's middle half▲ 5.0pp56.8%within the sector's middle half▲ 17.0pp38.8%within the sector's middle half▼ 18.0pp
Current ratio1.22within the sector's middle half-0.95within the sector's middle half▼ 0.271.82within the sector's middle half▲ 0.871.25within the sector's middle half▼ 0.57
Return on assets (ROA)31.1%above the sector's middle half--15.6%below the sector's middle half▼ 46.7pp21.1%above the sector's middle half▲ 36.6pp-7.4%below the sector's middle half▼ 28.5pp
above
within
below
the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2,180 after €26,375 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104,333
Fixed assets
€41,328 ▼ 20.5%
Current assets
€63,006 ▲ 50.6%
Equity and liabilities €104,333
Equity
€40,532 ▼ 23.9%
Debt
€63,802 ▲ 57.6%
Debt's share of the balance-sheet total rises from 43.2% to 61.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€22,923▼
2024 · €50,096
Cash flow
€17,344▼
2024 · €43,483
Debt to equity
1.57▲
2024 · 0.76
ROE
-19.1%▼
2024 · 37.1%
Interest coverage
4.41▼
2024 · 16.07
Debt ≤ 1 year
€50,507▲
2024 · €23,011
Debt > 1 year
€13,294▼
2024 · €17,477
Income taxes
€378▼
2024 · €3,500
Staff costs
€17,122▲
2024 · €1,844
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,146 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 92% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a small loss
2.2%
went bankrupt
5.9%
stopped otherwise
92%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,146 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €1,844 | €17,122 | ▲ 829% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,650 | €20,359 | €23,721 | €25,102 | ▲ 5.8% |
| Other operating charges640/8 | €4,500 | €475 | €6,087 | €4,393 | ▼ 27.8% |
| Gross operating margin9900 | €70,997 | €9,105 | €58,026 | €44,438 | ▼ 23.4% |
| Operating profit (loss)9901 | €50,847 | -€11,729 | €26,375 | -€2,180 | ▼ 108% |
| Financial income75/76B | €52 | €5 | €4 | €1 | ▼ 66.6% |
| Recurring financial income75 | €52 | €5 | €4 | €1 | ▼ 66.6% |
| Financial charges65/66B | €1,312 | €1,257 | €3,117 | €5,202 | ▲ 66.9% |
| Recurring financial charges65 | €1,312 | €1,257 | €3,117 | €5,202 | ▲ 66.9% |
| Profit (loss) for the period before taxes9903 | €49,587 | -€12,981 | €23,262 | -€7,381 | ▼ 132% |
| Income taxes67/77 | €7,955 | €123 | €3,500 | €378 | ▼ 89.2% |
| Profit (loss) for the period9904 | €41,632 | -€13,104 | €19,762 | -€7,758 | ▼ 139% |
| Profit (loss) for the period to be appropriated9905 | €41,632 | -€13,104 | €19,762 | -€7,758 | ▼ 139% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €133,906 | €84,192 | €93,779 | €104,333 | ▲ 11.3% |
| Fixed assets21/28 | €77,359 | €63,890 | €51,952 | €41,328 | ▼ 20.5% |
| Intangible fixed assets21 | €15,997 | €11,997 | €7,997 | €3,997 | ▼ 50.0% |
| Tangible fixed assets22/27 | €61,362 | €51,894 | €43,955 | €37,331 | ▼ 15.1% |
| Plant, machinery and equipment23 | €3,199 | €5,298 | €7,027 | €17,477 | ▲ 149% |
| Furniture and vehicles24 | €6,771 | €6,915 | €8,960 | €3,597 | ▼ 59.9% |
| Leasing and similar rights25 | €51,393 | €39,681 | €27,969 | €16,257 | ▼ 41.9% |
| Current assets29/58 | €56,547 | €20,301 | €41,827 | €63,006 | ▲ 50.6% |
| Amounts receivable within one year40/41 | €25,913 | €12,524 | €18,403 | €48,218 | ▲ 162% |
| Trade receivables40 | €25,881 | €10,974 | €15,720 | €40,414 | ▲ 157% |
| Other amounts receivable41 | €32 | €1,550 | €2,683 | €7,805 | ▲ 191% |
| Cash at bank and in hand54/58 | €30,634 | €7,778 | €23,424 | €12,462 | ▼ 46.8% |
| Deferred charges and accrued income490/1 | - | - | - | €2,325 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €133,906 | €84,192 | €93,779 | €104,333 | ▲ 11.3% |
| Equity10/15 | €46,632 | €33,528 | €53,290 | €40,532 | ▼ 23.9% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €10,000 | €10,000 | €20,000 | €20,000 | = |
| Distributable reserves133 | €10,000 | €10,000 | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | €31,632 | €18,528 | €28,290 | €15,532 | ▼ 45.1% |
| Amounts payable17/49 | €87,274 | €50,663 | €40,489 | €63,802 | ▲ 57.6% |
| Amounts payable after more than one year17 | €40,982 | €29,314 | €17,477 | €13,294 | ▼ 23.9% |
| Financial debts170/4 | €40,982 | €29,314 | €17,477 | €13,294 | ▼ 23.9% |
| Amounts payable within one year42/48 | €46,292 | €21,349 | €23,011 | €50,507 | ▲ 119% |
| Current portion of amounts payable after more than one year42 | €11,501 | €11,668 | €12,786 | €15,868 | ▲ 24.1% |
| Trade debts44 | €28,145 | €7,732 | €312 | €17,052 | ▲ 5,364% |
| Suppliers440/4 | €28,145 | €7,732 | €312 | €17,052 | ▲ 5,364% |
| Advances received on contracts in progress46 | - | - | €4,704 | - | - |
| Taxes, remuneration and social security45 | €4,706 | - | €4,396 | €8,935 | ▲ 103% |
| Taxes450/3 | €3,706 | - | €2,385 | €2,288 | ▼ 4.1% |
| Remuneration and social security454/9 | €1,000 | - | €2,011 | €6,647 | ▲ 231% |
| Other amounts payable47/48 | €1,939 | €1,950 | €813 | €8,652 | ▲ 964% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €41,632 | -€13,104 | €19,762 | -€7,758 | ▼ 139% |
| + Depreciation and write-downs630 | €15,650 | €20,359 | €23,721 | €25,102 | ▲ 5.8% |
| Operating cash flow (approximation) | €57,283 | €7,255 | €43,483 | €17,344 | ▼ 60.1% |
| Investment in fixed assets (approximation) | - | -€6,891 | -€11,783 | -€14,477 | ▼ 22.9% |
| Change in cash | - | -€22,857 | €15,646 | -€10,962 | ▼ 170% |
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
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Back to profitnet €19,762
Net result €19,762 after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Weakest financial yearnet -€13,104
Net result drops to -€13,104, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Gembloux · 1 establishment unit since 2021
Ground area
1,102 m²
Building footprint
125 m²
Parcel 92019B0140/00K003, Wallonia. Linked by address, not a title deed.
1 establishment unit
CRV Concept
since 20212.325.910.738
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92019B0140/00K003 | Wallonia | 1,102 m² | 1 · 125 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
5 categoriesCRV CONCEPT SRL42022
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Of 21,227 companies in sector 81300 we hold annual accounts for 4,369. 3,533 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
Founded23-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
81300Landscape service activities
77310Rental and leasing activities
77320Rental and leasing activities
81100Combined facilities support activities
81230Other cleaning activities
Contact
Phone
0471263607Gembloux
E-invoicing
Reachable via Peppol
Peppol ID
0208:0779321358
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.