RICOVVA
ActiveThe computed 12-month bankruptcy probability of RICOVVA is 4.9% (elevated). The 2024 annual accounts show equity of €15k and a net result of €15k. Its solvency ranks better than 85% of 36376 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
4.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 4.87; short-term debt: 20.5% of total assets), and 20.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 2024Solvency, return and age of the figures
Solvency
79.5%
Return on assets
79.5%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 1 filingDeviation from the deadline
2024
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€15k
Total assets
€18k
Net result
€15k
Working capital
€15k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €18k
Equity
€15k
Debt
€4k
Debt finances 20.5% of the balance-sheet total.
Key figures and ratios
Solvency
79.5%
Current ratio
4.87
Quick ratio
4.87
Debt / equity
0.26
ROE
100.0%
ROA
79.5%
Debt
€4k
Debt ≤ 1 year
€4k
Income taxes
€4k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€18k
Current assets29/58€18k
Amounts receivable within one year40/41€18k
Trade receivables40€741
Other amounts receivable41€18k
Equity and liabilities
Total equity and liabilities10/49€18k
Equity10/15€15k
Profit (loss) carried forward14€15k
Amounts payable17/49€4k
Amounts payable within one year42/48€4k
Taxes, remuneration and social security45€4k
Taxes450/3€4k
Income statement
Code2024
Gross operating margin9900€18k
Operating profit (loss)9901€18k
Financial income75/76B€727
Recurring financial income75€727
Financial charges65/66B€50
Recurring financial charges65€50
Profit (loss) for the period before taxes9903€18k
Income taxes67/77€4k
Profit (loss) for the period9904€15k
Profit (loss) for the period to be appropriated9905€15k
Appropriation of the result
Profit (loss) to be appropriated9906€15k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
NBB filing
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, Brussel · 1 establishment unit since 2024
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.
Van Campenhoutstraat 801000 BrusselGround area
76 m²
Building footprint
64 m²
Volume, LiDAR
899 m³
Parcel 21806F0042/00W005, Brussels · tallest building 16.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
RICOVVA
since 20242.359.554.791
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0042/00W005 | Brussels | 76 m² | 1 · 64 m² | 16.3 m · 5 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.
Similar companies · same sector, comparable size
ALPINE CONSTRUCTION
BE 0688.782.548
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Adi Construct
BE 0598.700.925
Sint-Agatha-Berchem · Eq €14k
DC-build
BE 0791.859.401
Sint-Katelijne-Waver · Eq €15k
AMVA INVEST
BE 0802.504.160
Heusden-Zolder · Eq €14k
IMMOPINTO
BE 0550.511.622
Beauvechain · Eq €15k
Of 4,096 companies in sector 43240 we hold annual accounts for 1,631. 1,028 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2024
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.