CRVB Accountancy
ActiveCRVB Accountancy has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €520k and a net result of €34k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 48% of 3286 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-6
Solvency67▼-25
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 3.52 in 2024; short-term debt: 41.9% and cash: 17.4% of total assets), but 57.6% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
42.4%
Return on assets
2.8%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 22-10-2025, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
on the day
2023
on the day
2022
29 d late
2021
29 d late
2020
31 d late
2019
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€520k▼ 12.8%
2024 · €596k
2019: €288k
2021: €594k
2022: €531k
2023: €532k
2024: €596k
2019 → 2025
Total assets
€1.23M▲ 36.9%
2024 · €897k
2019: €738k
2021: €1.03M
2022: €946k
2023: €867k
2024: €897k
2019 → 2025
Net result
€34k▼ 47.4%
2024 · €64k
2019: €-576
2021: €242k
2022: €23k
2023: €17k
2024: €64k
2019 → 2025
Working capital
€607k▼ 1.4%
2024 · €616k
2019: €236k
2021: €629k
2022: €565k
2023: €565k
2024: €616k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€594k-€531k▼ 10.6%€532k▲ 0.3%€596k▲ 12.1%€520k▼ 12.8%
Operating result€326k-€48k▼ 85.3%€45k▼ 6.7%€116k▲ 159%€116k▲ 0.2%
Net result€242k-€23k▼ 90.5%€17k▼ 27.9%€64k▲ 287%€34k▼ 47.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€105k▲ 189%
Current assets
€1.12M▲ 30.4%
Equity and liabilities €1.23M
Equity
€520k▼ 12.8%
Provisions
€0▼ 100%
Debt
€707k▲ 169%
The debt ratio rises from 29.3% to 57.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€139k▲
2024 · €133k
Cash flow
€57k▼
2024 · €82k
Solvency
42.4%▼
2024 · 66.5%
Current ratio
2.18▼
2024 · 3.52
Quick ratio
2.18▼
2024 · 3.52
Debt / equity
1.36▲
2024 · 0.44
ROE
6.5%▼
2024 · 10.8%
ROA
2.8%▼
2024 · 7.2%
Interest coverage
7.64▼
2024 · 8.53
Debt
€707k▲
2024 · €263k
Debt ≤ 1 year
€515k▲
2024 · €244k
Debt > 1 year
€192k▲
2024 · €18k
Income taxes
€106k▲
2024 · €41k
Staff costs
€291k▲
2024 · €256k
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€897k€1.23M▲
Fixed assets21/28€36k€105k▲
Intangible fixed assets21-€86k
Tangible fixed assets22/27€32k€15k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€29k€13k▼
Financial fixed assets28€5k€5k▼
Current assets29/58€860k€1.12M▲
Amounts receivable after more than one year29€272k€272k=
Other amounts receivable291€272k€272k=
Amounts receivable within one year40/41€478k€604k▲
Trade receivables40€448k€505k▲
Other amounts receivable41€30k€100k▲
Cash at bank and in hand54/58€62k€213k▲
Deferred charges and accrued income490/1€48k€33k▼
Equity and liabilities
Total equity and liabilities10/49€897k€1.23M▲
Equity10/15€596k€520k▼
Contributions10/11€12k€12k=
Reserves13€516k€435k▼
Tax-exempt reserves132€151k-
Distributable reserves133€365k€435k▲
Profit (loss) carried forward14€68k€72k▲
Provisions and deferred taxes16€38k-
Deferred taxes168€38k-
Amounts payable17/49€263k€707k▲
Amounts payable after more than one year17€18k€192k▲
Financial debts170/4€18k€192k▲
Amounts payable within one year42/48€244k€515k▲
Current portion of amounts payable after more than one year42€27k€64k▲
Financial debts43€60k€75k▲
Credit institutions430/8€60k€75k▲
Trade debts44€45k€42k▼
Suppliers440/4€45k€42k▼
Taxes, remuneration and social security45€112k€224k▲
Taxes450/3€79k€183k▲
Remuneration and social security454/9€33k€41k▲
Other amounts payable47/48-€110k
Income statement
Code20242025
Remuneration, social security and pensions62€256k€291k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€23k▲
Other operating charges640/8€26k€3k▼
Gross operating margin9900€415k€432k▲
Operating profit (loss)9901€116k€116k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€16k€18k▲
Recurring financial charges65€16k€18k▲
Profit (loss) for the period before taxes9903€103k€102k▼
Transfer from deferred taxes780€2k€38k▲
Income taxes67/77€41k€106k▲
Profit (loss) for the period9904€64k€34k▼
Transfer from tax-exempt reserves789€7k€151k▲
Profit (loss) for the period to be appropriated9905€71k€184k▲
Appropriation of the result
Profit (loss) to be appropriated9906€138k€252k▲
Profit (loss) brought forward from the previous period14P€67k€68k▲
Transfer from equity791/2-€110k
Transfer to equity691/2€70k€180k▲
To other reserves6921€70k€180k▲
Profit to be distributed694/7-€110k
Return on contributions (dividend)694-€110k
Social balance
Average headcount (FTE)90875.26.0▲
The notes to these accounts (12 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
02-09
State Gazette act
General meeting · Registered-office move
Power of attorney
18-08
State Gazette act
General meeting · Director resignation
Director appointment · Mandate compensation
18-08
State Gazette act
General meeting · Director resignation
Director appointment · Mandate compensation
18-08
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
16-07
State Gazette act
Incorporation · Founder
Founding capital · Director appointment
09-07
State Gazette act
Incorporation · Founder
Founding capital · Director appointment
23-03
State Gazette act
Incorporation · Founder
Founding capital · Corporate purpose
20-03
State Gazette act
General meeting · Registered-office move
Power of attorney
20-03
State Gazette act
General meeting · Registered-office move
Power of attorney
20-03
State Gazette act
General meeting · Registered-office move
Power of attorney
20-03
State Gazette act
General meeting · Director resignation
20-03
State Gazette act
General meeting · Registered-office move
Power of attorney
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
31-03
Financial
Back to profitnet €242k
Net result €242k after one loss-making year.
31-03
Financial
Equity above €500kEq €594k ▲106%
Equity rises from €288k to €594k.
2020
01-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 14 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lochristi · 2 establishment units since 2009
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.
Beerveldse Baan 2D9080 LochristiGround area
2,292 m²
Building footprint
890 m²
Volume, LiDAR
4,670 m³
2 parcels, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CRVB Accountancy
since 20092.177.294.662
CRVB Accountancy
since 20152.247.622.731
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C0630/00W000 | Flanders | 1,657 m² | 1 · 239 m² | 8.3 m · 1 fl. |
| 44034B0724/00H000 | Flanders | 635 m² | 1 · 651 m² | 7.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 3,967 EUR awarded · 4,401 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,067 EUR | 1,067 EUR |
| 2024 | 2 | 1,647 EUR | 1,647 EUR |
| 2023 | 1 | 286 EUR | 837 EUR |
| 2022 | 1 | 967 EUR | 850 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 5,448 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2007
Fiscal year end31-03
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
74122
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.