R.V.L.
ActiveR.V.L. has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €521k and a net result of €8k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 72% of 2041 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+23
Solvency85▲+2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.4 against 2.38 in 2024; short-term debt: 35.6% and cash: 7.2% of total assets), and 39.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
60.4%
Return on assets
0.9%
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
16 d early
2023
8 d early
2022
33 d early
2021
20 d early
2020
27 d late
2019
31 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€8k
2024 · €-19k
2018: €48k
2019: €90k
2020: €39k
2021: €88k
2022: €117k
2023: €-1k
2024: €-19k
2018 → 2025
Working capital
€431k▲ 1.6%
2024 · €424k
2018: €641k
2019: €533k
2020: €503k
2021: €536k
2022: €504k
2023: €430k
2024: €424k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€516k-€533k▲ 3.3%€532k▼ 0.2%€513k▼ 3.6%€521k▲ 1.5%
Operating result€117k-€131k▲ 11.9%€9k▼ 93.3%€-6k€18k
Net result€88k-€117k▲ 32.8%€-1k€-19k▼ 1,450%€8k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €18k after a loss of €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €862k
Fixed assets
€124k▼ 19.7%
Current assets
€737k▲ 1.0%
Equity and liabilities €862k
Equity
€521k▲ 1.5%
Debt
€341k▼ 8.3%
The debt ratio falls from 42.0% to 39.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€68k▲
2024 · €51k
Cash flow
€58k▲
2024 · €37k
Solvency
60.4%▲
2024 · 58.0%
Current ratio
2.40▲
2024 · 2.38
Quick ratio
1.57▲
2024 · 1.55
Debt / equity
0.66▼
2024 · 0.73
ROE
1.5%▲
2024 · -3.8%
ROA
0.9%▲
2024 · -2.2%
Interest coverage
7.17▲
2024 · 3.76
Debt
€341k▼
2024 · €372k
Debt ≤ 1 year
€307k▲
2024 · €306k
Debt > 1 year
€29k▼
2024 · €61k
Income taxes
€688▼
2024 · €753
Staff costs
€657k▼
2024 · €746k
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€885k€862k▼
Fixed assets21/28€155k€124k▼
Tangible fixed assets22/27€154k€124k▼
Plant, machinery and equipment23€15k€12k▼
Furniture and vehicles24€96k€57k▼
Other tangible fixed assets26€44k€54k▲
Financial fixed assets28€322€322=
Current assets29/58€730k€737k▲
Stocks and contracts in progress3€257k€257k▲
Stocks30/36€257k€257k▲
Amounts receivable within one year40/41€371k€391k▲
Trade receivables40€358k€381k▲
Other amounts receivable41€13k€10k▼
Cash at bank and in hand54/58€75k€62k▼
Deferred charges and accrued income490/1€28k€27k▼
Equity and liabilities
Total equity and liabilities10/49€885k€862k▼
Equity10/15€513k€521k▲
Contributions10/11€250k€250k=
Capital10€250k€250k=
Issued capital100€250k€250k=
Reserves13€225k€225k=
Non-distributable reserves130/1€25k€25k=
Legal reserve130€25k€25k=
Distributable reserves133€200k€200k=
Profit (loss) carried forward14€38k€46k▲
Amounts payable17/49€372k€341k▼
Amounts payable after more than one year17€61k€29k▼
Financial debts170/4€61k€29k▼
Amounts payable within one year42/48€306k€307k▲
Current portion of amounts payable after more than one year42€45k€32k▼
Financial debts43€127k€127k=
Credit institutions430/8€2k€2k▲
Other loans439€125k€125k=
Trade debts44€51k€67k▲
Suppliers440/4€51k€67k▲
Taxes, remuneration and social security45€45k€43k▼
Taxes450/3€1k€1k▼
Remuneration and social security454/9€44k€42k▼
Other amounts payable47/48€38k€38k▲
Accrued charges and deferred income492/3€5k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€746k€657k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€50k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k€42k▲
Other operating charges640/8€6k€20k▲
Gross operating margin9900€813k€788k▼
Operating profit (loss)9901€-6k€18k▲
Financial income75/76B€708€1▼
Recurring financial income75€708€1▼
Financial charges65/66B€13k€10k▼
Recurring financial charges65€13k€10k▼
Profit (loss) for the period before taxes9903€-19k€8k▲
Income taxes67/77€753€688▼
Profit (loss) for the period9904€-19k€8k▲
Profit (loss) for the period to be appropriated9905€-19k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€46k▲
Profit (loss) brought forward from the previous period14P€57k€38k▼
Social balance
Average headcount (FTE)908715.513.6▼
The notes to these accounts (20 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €117k ▲32.8%
Operating result €131k, net result €117k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €500kEq €516k ▲8%
4 profitable years in a row build equity to €516k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Soignies · 1 establishment unit since 1994
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.
Chemin de la Guelenne 38-407060 SoigniesGround area
1,660 m²
Parcel 55040A0647/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
R.V.L.
since 19942.046.704.948
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55040A0647/00F000 | Wallonia | 1,660 m² | - | - |
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
ALVEBO
BE 0477.259.794
Lier · Eq €519k
ROMBAUTS LOUIS EN ZOON
BE 0444.328.987
Steenokkerzeel · Eq €523k
A.B.A.T.
BE 0440.151.950
Laarne · Eq €516k
GRONDWERKEN SMEKENS GEBR.
BE 0467.929.087
Hamme (Vl.) · Eq €526k
Grond- & afbraakwerken Vanderputten
BE 0884.522.709
Geraardsbergen · Eq €511k
Of 1,365 companies in sector 43110 we hold annual accounts for 632. 421 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-12-1989
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
45111
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:rvlsa@rvlsa.eu