R.V.D.H.
ActiveSummary
R.V.D.H. has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €443k and a net result of €23k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-23
Solvency100=
Growth52=
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 48.43 against 22.03 in 2024; short-term debt: 2.1% and cash: 23.3% of total assets), and 2.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 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
97.9%
Return on assets
5%
Age of the figures
9 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 31-08-2026, 31 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
31 d late
2024
35 d late
2023
26 d late
2022
40 d early
2021
16 d late
2020
17 d late
2019
32 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€443k▲ 5.4%
2024 · €421k
2018: €329k
2019: €350k
2020: €374k
2021: €388k
2022: €400k
2023: €406k
2024: €421k
2018 → 2025
Total assets
€453k▲ 3.1%
2024 · €439k
2018: €343k
2019: €368k
2020: €396k
2021: €418k
2022: €426k
2023: €424k
2024: €439k
2018 → 2025
Net result
€23k▲ 57.5%
2024 · €14k
2018: €23k
2019: €20k
2020: €24k
2021: €13k
2022: €12k
2023: €6k
2024: €14k
2018 → 2025
Working capital
€443k▲ 14.1%
2024 · €389k
2018: €314k
2019: €350k
2020: €374k
2021: €388k
2022: €400k
2023: €365k
2024: €389k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€388k-€400k▲ 3.1%€406k▲ 1.6%€421k▲ 3.5%€443k▲ 5.4%
Operating result€19k-€17k▼ 11.1%€9k▼ 47.4%€13k▲ 41.4%€25k▲ 96.3%
Net result€13k-€12k▼ 11.0%€6k▼ 46.4%€14k▲ 125%€23k▲ 57.5%
Turnover and EBIT margin not published: the 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 96% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €453k
Equity
€443k ▲ 5.4%
Debt
€9k ▼ 49.4%
Debt's share of the balance-sheet total falls from 4.2% to 2.1%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
48.43▲
2024 · 22.03
Debt to equity
0.02▼
2024 · 0.04
ROE
5.1%▲
2024 · 3.4%
ROA
5.0%▲
2024 · 3.3%
Debt ≤ 1 year
€9k▼
2024 · €18k
Income taxes
€11k▲
2024 · €7k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€439k€453k▲
Fixed assets21/28€32k-
Tangible fixed assets22/27€32k-
Furniture and vehicles24€32k-
Current assets29/58€407k€453k▲
Amounts receivable within one year40/41€16k€21k▲
Trade receivables40€5k€10k▲
Other amounts receivable41€11k€11k▼
Current investments50/53€325k€325k=
Cash at bank and in hand54/58€66k€105k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€439k€453k▲
Equity10/15€421k€443k▲
Contributions10/11€19k€19k=
Reserves13€393k€416k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€391k€414k▲
Profit (loss) carried forward14€9k€9k=
Amounts payable17/49€18k€9k▼
Amounts payable within one year42/48€18k€9k▼
Trade debts44€1k€170▼
Suppliers440/4€1k€170▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€12k€7k▼
Income statement
Code20242025
Non-recurring operating income76A-€929
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k-
Other operating charges640/8€688€602▼
Gross operating margin9900€22k€26k▲
Operating profit (loss)9901€13k€25k▲
Financial income75/76B€9k€9k▼
Recurring financial income75€9k€9k▼
Financial charges65/66B€96€143▲
Recurring financial charges65€96€143▲
Profit (loss) for the period before taxes9903€22k€34k▲
Income taxes67/77€7k€11k▲
Profit (loss) for the period9904€14k€23k▲
Profit (loss) for the period to be appropriated9905€14k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€31k▲
Profit (loss) brought forward from the previous period14P€9k€9k=
Transfer to equity691/2€14k€23k▲
To other reserves6921€14k€23k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 48.43
Current ratio from 22.03 to 48.43; short-term debt falls from €18k to €9k.
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 35 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €6k ▼46.4%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Highest result since 2018net €24k ▲19.8%
Net result €24k, the highest in the series.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gent · 1 establishment unit since 1989
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.
Borluutstraat 249051 GentGround area
1,080 m²
Building footprint
214 m²
Volume, LiDAR
976 m³
Parcel 44062D0096/00K002, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
R.V.D.H. BVBA
since 19892.043.905.311
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062D0096/00K002 | Flanders | 1,080 m² | 1 · 214 m² | 7.0 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,766 EUR awarded · 1,766 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 255 EUR | 255 EUR |
| 2024 | 1 | 255 EUR | 255 EUR |
| 2023 | 1 | 575 EUR | 575 EUR |
| 2022 | 1 | 681 EUR | 681 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,638 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-1989
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.