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RDV.

Active
Public limited companyfounded 200322 yrs activeStapelstraat 23, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0861.419.881
Summary

RDV. has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €276,367 and a net result of -€20,092. Equity is shrinking by ~10.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability51▼-16
Solvency100=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19,000 at 30 days acceptable
Liquidity ample (current ratio 3.88 against 3.71 in 2024; short-term debt: 11% and cash: 0% of total assets), and 11.2% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 22 years 0 30 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€20,092
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 filings
Deviation from the deadline
2025
28 d late
2024
29 d late
2023
29 d late
2022
29 d late
2021
17 d early
2020
11 d late
2019
44 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 9 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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.
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 31 October 2003, RDV. was incorporated.1 Total assets went from EUR 588,963 in 2018 to EUR 311,127 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€276,367▼ 6.8%
2024 · €296,459
Total assets
€311,127▼ 6.1%
2024 · €331,409
Net result
-€20,092▼ 254%
2024 · -€5,668
Working capital
€98,956▲ 4.3%
2024 · €94,863
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€4,384▲ 60.7%-€15,542▼ 254%-€20,516▼ 32.0%-€5,523▲ 73.1%-€19,139▼ 247%
Net result€4,580-€10,836-€22,678▼ 109%-€5,668▲ 75.0%-€20,092▼ 254%
Equity€555,640▲ 0.8%€324,804▼ 41.5%€302,127▼ 7.0%€296,459▼ 1.9%€276,367▼ 6.8%
Total assets€574,528▲ 4.0%€366,975▼ 36.1%€334,990▼ 8.7%€331,409▼ 1.1%€311,127▼ 6.1%
Debt€18,888▲ 1,478%€42,171▲ 123%€32,863▼ 22.1%€34,950▲ 6.4%€34,760▼ 0.5%
Working capital€216,394▲ 28.9%€43,059▼ 80.1%€76,784▲ 78.3%€94,863▲ 23.5%€98,956▲ 4.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€30,000-€20,000-€10,000€0Operating result 2021: -€4,384-€4,384Net result 2021: €4,580€4,580Operating result 2022: -€15,542-€15,542Net result 2022: -€10,836-€10,836Operating result 2023: -€20,516-€20,516Net result 2023: -€22,678-€22,678Operating result 2024: -€5,523-€5,523Net result 2024: -€5,668-€5,668Operating result 2025: -€19,139-€19,139Net result 2025: -€20,092-€20,09220212022202320242025-€30,000-€20,000-€10,000€0Operating result 2023: -€20,516-€20,500Net result 2023: -€22,678-€22,700Operating result 2024: -€5,523-€5,520Net result 2024: -€5,668-€5,670Operating result 2025: -€19,139-€19,100Net result 2025: -€20,092-€20,100202320242025
The operating result stays negative: a loss of €19,139 in 2025 against €5,523 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €311,127
Fixed assets €177,850 ▼ 11.8%
Current assets €133,278 ▲ 2.7%
Equity and liabilities €311,127
Equity €276,367 ▼ 6.8%
Debt €34,760 ▼ 0.5%
Debt's share of the balance-sheet total rises from 10.5% to 11.2%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€4,607▼
2024 · €18,223
Cash flow
€3,655▼
2024 · €18,079
Current ratio
3.88▲
2024 · 3.71
Debt to equity
0.13▲
2024 · 0.12
ROE
-7.3%▼
2024 · -1.9%
ROA
-6.5%▼
2024 · -1.7%
Interest coverage
4.84▼
2024 · 129.68
Debt ≤ 1 year
€34,321▼
2024 · €34,950
Income taxes
€0▼
2024 · €4
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.6% went bankrupt
8.5% stopped otherwise
90% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 12,321 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet Code20242025
Assets
Total assets20/58€331,409€311,127▼
Fixed assets21/28€201,596€177,850▼
Tangible fixed assets22/27€201,596€177,850▼
Land and buildings22€201,596€177,850▼
Current assets29/58€129,813€133,278▲
Amounts receivable within one year40/41€111,075€111,202▲
Trade receivables40€23,680€15,547▼
Other amounts receivable41€87,396€95,655▲
Cash at bank and in hand54/58€738€126▼
Deferred charges and accrued income490/1€18,000€21,950▲
Equity and liabilities
Total equity and liabilities10/49€331,409€311,127▼
Equity10/15€296,459€276,367▼
Contributions10/11€380,000€380,000=
Capital10€380,000€380,000=
Issued capital100€380,000€380,000=
Profit (loss) carried forward14-€83,541-€103,633▼
Amounts payable17/49€34,950€34,760▼
Amounts payable within one year42/48€34,950€34,321▼
Trade debts44€27,818€34,317▲
Suppliers440/4€27,818€34,317▲
Taxes, remuneration and social security45€107€4▼
Taxes450/3€107€4▼
Other amounts payable47/48€7,025€0▼
Accrued charges and deferred income492/3-€439
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23,746€23,746=
Other operating charges640/8€14,875€6,323▼
Non-recurring operating charges66A€0-
Gross operating margin9900€33,098€10,930▼
Operating profit (loss)9901-€5,523-€19,139▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€141€952▲
Recurring financial charges65€141€952▲
Profit (loss) for the period before taxes9903-€5,664-€20,092▼
Income taxes67/77€4€0▼
Profit (loss) for the period9904-€5,668-€20,092▼
Profit (loss) for the period to be appropriated9905-€5,668-€20,092▼
Appropriation of the result
Profit (loss) to be appropriated9906-€83,541-€103,633▼
Profit (loss) brought forward from the previous period14P-€77,873-€83,541▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62,669€64,254€24,828€23,746€23,746=
Other operating charges640/8€6,198€21,634€14,993€14,875€6,323▼ 57.5%
Non-recurring operating charges66A--€39,480€0--
Gross operating margin9900€64,483€70,345€58,785€33,098€10,930▼ 67.0%
Operating profit (loss)9901-€4,384-€15,542-€20,516-€5,523-€19,139▼ 247%
Financial income75/76B€9,131€4,870€0€0€0▼ 100%
Recurring financial income75€9,131€4,870€0€0€0▼ 100%
Financial charges65/66B€82€69€2,058€141€952▲ 578%
Recurring financial charges65€82€69€2,058€141€952▲ 578%
Profit (loss) for the period before taxes9903€4,665-€10,742-€22,574-€5,664-€20,092▼ 255%
Income taxes67/77€84€94€103€4€0▼ 100%
Profit (loss) for the period9904€4,580-€10,836-€22,678-€5,668-€20,092▼ 254%
Profit (loss) for the period to be appropriated9905€4,580-€10,836-€22,678-€5,668-€20,092▼ 254%
Line20212022202320242025Change
Assets
Total assets20/58€574,528€366,975€334,990€331,409€311,127▼ 6.1%
Fixed assets21/28€339,246€281,745€225,343€201,596€177,850▼ 11.8%
Tangible fixed assets22/27€339,246€281,745€225,343€201,596€177,850▼ 11.8%
Land and buildings22€339,246€281,745€225,343€201,596€177,850▼ 11.8%
Current assets29/58€235,282€85,230€109,647€129,813€133,278▲ 2.7%
Amounts receivable within one year40/41€221,649€59,321€90,598€111,075€111,202▲ 0.1%
Trade receivables40€22,922€22,290€34,982€23,680€15,547▼ 34.3%
Other amounts receivable41€198,727€37,030€55,616€87,396€95,655▲ 9.4%
Cash at bank and in hand54/58€13,417€18,055€2,240€738€126▼ 82.9%
Deferred charges and accrued income490/1€217€7,855€16,809€18,000€21,950▲ 21.9%
Equity and liabilities
Total equity and liabilities10/49€574,528€366,975€334,990€331,409€311,127▼ 6.1%
Equity10/15€555,640€324,804€302,127€296,459€276,367▼ 6.8%
Contributions10/11€600,000€380,000€380,000€380,000€380,000=
Capital10€600,000€380,000€380,000€380,000€380,000=
Issued capital100€600,000€380,000€380,000€380,000€380,000=
Profit (loss) carried forward14-€44,360-€55,196-€77,873-€83,541-€103,633▼ 24.1%
Amounts payable17/49€18,888€42,171€32,863€34,950€34,760▼ 0.5%
Amounts payable within one year42/48€18,888€42,171€32,863€34,950€34,321▼ 1.8%
Trade debts44€18,674€5,552€10,118€27,818€34,317▲ 23.4%
Suppliers440/4€18,674€5,552€10,118€27,818€34,317▲ 23.4%
Taxes, remuneration and social security45€84€94€754€107€4▼ 96.1%
Taxes450/3€84€94€754€107€4▼ 96.1%
Other amounts payable47/48€130€36,525€21,991€7,025€0▼ 100%
Accrued charges and deferred income492/3----€439-
Line20212022202320242025Change
Profit (loss) for the period9904€4,580-€10,836-€22,678-€5,668-€20,092▼ 254%
+ Depreciation and write-downs630€62,669€64,254€24,828€23,746€23,746=
Operating cash flow (approximation)€67,249€53,418€2,150€18,079€3,655▼ 79.8%
Investment in fixed assets (approximation)--€6,753€31,575€0€0-
Change in cash-€4,638-€15,815-€1,502-€611▲ 59.3%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
28-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial Weakest financial yearnet -€22,678
Net result drops to -€22,678, the lowest in the series; recovery starts the following year.
29-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
14-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial Back to profitnet €4,580
Net result €4,580 after 3 loss-making years.
11-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial Liquidity times 27current ratio 141.21
Current ratio from 5.27 to 141.21; short-term debt falls from €22,906 to €1,197.
17-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Liquidity triplescurrent ratio 5.27
Current ratio from 2.01 to 5.27; short-term debt falls from €32,203 to €22,906.
18-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated 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, Sint-Truiden · 1 establishment unit since 2003
seat establishment The establishment unit on the map
Ground area
1,054 m²
Building footprint
532 m²
Volume, LiDAR
3,903 m³
2 parcels, Flanders · tallest building 16.6 m, ±2 floors. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
RDV
Grevensmolenweg 82, 3800 Sint-TruidenNACE 7012001
since 20032.134.346.428
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71053G0193/00W002 Flanders 555 m² 1 · 119 m² 9.8 m · 2 fl.
71053H0651/00F000
ProtectedMonumentHospitaalkapel Sint-AugustinusSource ↗
Flanders 499 m² 1 · 412 m² 16.6 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.

Identification & contact

Identification
Legal formPublic limited company
Founded31-10-2003
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.