Riv-IT
ActiveSummary
Riv-IT has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €33k. Its solvency ranks better than 66% of 257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency86
Growth-
Track record67
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.45; short-term debt: 38.9% and cash: 95% of total assets), and 38.9% 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+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Sector 58
lower
← fewer bankruptcies
more bankruptcies →
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
61.1%
Return on assets
57.3%
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 05-08-2026, 5 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
2025
5 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Equity
€36k
Total assets
€58k
Net result
€33k
Working capital
€33k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €56k
Fixed assets
€706
Current assets
€56k
Equity and liabilities €58k
Equity
€36k
Debt
€23k
Debt finances 38.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€44k
Cash flow
€35k
Current ratio
2.45
Debt to equity
0.64
ROE
93.9%
ROA
57.3%
Interest coverage
179.96
Debt ≤ 1 year
€23k
Income taxes
€9k
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet
Code2025
Assets
Total assets20/58€58k
Formation expenses20€2k
Fixed assets21/28€706
Tangible fixed assets22/27€706
Furniture and vehicles24€706
Current assets29/58€56k
Cash at bank and in hand54/58€55k
Deferred charges and accrued income490/1€196
Equity and liabilities
Total equity and liabilities10/49€58k
Equity10/15€36k
Contributions10/11€3k
Outside capital11€3k
Other1109/19€3k
Reserves13€33k
Distributable reserves133€33k
Amounts payable17/49€23k
Amounts payable within one year42/48€23k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€15k
Taxes450/3€15k
Other amounts payable47/48€5k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Gross operating margin9900€44k
Operating profit (loss)9901€42k
Financial charges65/66B€242
Recurring financial charges65€242
Profit (loss) for the period before taxes9903€42k
Income taxes67/77€9k
Profit (loss) for the period9904€33k
Profit (loss) for the period to be appropriated9905€33k
Appropriation of the result
Profit (loss) to be appropriated9906€33k
Transfer to equity691/2€33k
To other reserves6921€33k
Profit to be distributed694/7€833
Return on contributions (dividend)694€833
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 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, Sint-Katelijne-Waver · 1 establishment unit since 2025
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.
Beukendreef 162860 Sint-Katelijne-WaverGround area
773 m²
Building footprint
142 m²
Volume, LiDAR
631 m³
Parcel 12035E0071/00X002, Flanders · tallest building 9.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Riv-IT
since 20252.373.703.925
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035E0071/00X002 | Flanders | 773 m² | 1 · 142 m² | 8.9 m · 1 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
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ASGC.BE
BE 0479.836.531
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Feedback Analytics
BE 1020.624.003
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Of 1,284 companies in sector 58290 we hold annual accounts for 593. 416 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
Founded13-05-2025
Fiscal year end31-12
Activities, NACEBEL 2025
58290Other software publishing
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.