Riva
ActiveRiva is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €371k and a net result of €205k. Equity is growing by ~43.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 5495 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
9 d early
2022
on the day
2021
1 d early
2020
184 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€371k▲ 59.8%
2024 · €232k
2020: €2k
2021: €15k
2022: €162k
2023: €173k
2024: €232k
2020 → 2025
Net result
€205k▲ 131%
2024 · €89k
2020: €-279
2021: €13k
2022: €147k
2023: €52k
2024: €89k
2020 → 2025
Total assets
€515k▲ 73.7%
2024 · €297k
2020: €2k
2021: €27k
2022: €203k
2023: €257k
2024: €297k
2020 → 2025
Solvency
72.1%▼ 6.3pp
2024 · 78.3%
2020: 87.6%
2021: 56.0%
2022: 79.7%
2023: 67.6%
2024: 78.3%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€162k▲ 968%€173k▲ 7.1%€232k▲ 33.9%€371k▲ 59.8%
Operating result€20k-€197k▲ 900%€66k▼ 66.4%€114k▲ 72.2%€268k▲ 136%
Net result€13k-€147k▲ 992%€52k▼ 64.9%€89k▲ 72.4%€205k▲ 131%
Turnover and EBIT margin not published: the abbreviated or 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 136% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €515k
Fixed assets
€114k▲ 6.6%
Current assets
€401k▲ 112%
Equity and liabilities €515k
Equity
€371k▲ 59.8%
Debt
€144k▲ 124%
The debt ratio rises from 21.7% to 27.9%: debt grows faster than equity.
Key figures and ratios
Solvency
72.1%▼
2024 · 78.3%
ROE
55.3%▲
2024 · 38.2%
ROA
39.8%▲
2024 · 30.0%
Debt
€144k▲
2024 · €64k
Debt ≤ 1 year
€116k▲
2024 · €45k
Debt > 1 year
€28k▲
2024 · €19k
Income taxes
€62k▲
2024 · €23k
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€297k€515k▲
Fixed assets21/28€107k€114k▲
Tangible fixed assets22/27€87k€94k▲
Plant, machinery and equipment23€28k€22k▼
Furniture and vehicles24€18k€12k▼
Leasing and similar rights25€29k€52k▲
Other tangible fixed assets26€13k€9k▼
Financial fixed assets28€20k€20k=
Current assets29/58€189k€401k▲
Amounts receivable after more than one year29€30k€30k=
Other amounts receivable291€30k€30k=
Amounts receivable within one year40/41€70k€291k▲
Trade receivables40€48k€220k▲
Other amounts receivable41€22k€71k▲
Cash at bank and in hand54/58€89k€75k▼
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€297k€515k▲
Equity10/15€232k€371k▲
Contributions10/11€2k€2k=
Outside capital11€2k€2k=
Other1109/19€2k€2k=
Reserves13€230k€369k▲
Distributable reserves133€230k€369k▲
Amounts payable17/49€64k€144k▲
Amounts payable after more than one year17€19k€28k▲
Financial debts170/4€19k€28k▲
Amounts payable within one year42/48€45k€116k▲
Current portion of amounts payable after more than one year42€7k€17k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€9k€41k▲
Taxes450/3€9k€40k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€26k€55k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€30k▲
Other operating charges640/8€708€990▲
Gross operating margin9900€137k€299k▲
Operating profit (loss)9901€114k€268k▲
Financial income75/76B€948€2k▲
Recurring financial income75€948€2k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€112k€267k▲
Income taxes67/77€23k€62k▲
Profit (loss) for the period9904€89k€205k▲
Profit (loss) for the period to be appropriated9905€89k€205k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€205k▲
Transfer to equity691/2€59k€139k▲
To other reserves6921€59k€139k▲
Profit to be distributed694/7€30k€66k▲
Return on contributions (dividend)694€30k€65k▲
Directors or managers695-€1k
The notes to these accounts (6 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2020net €205k ▲131%
Operating result €268k, net result €205k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €232k ▲33.9%
4 profitable years in a row build equity to €232k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 4.92
Current ratio from 2.27 to 4.92.
31-12
Financial
Equity above €150kEq €162k ▲968%
2 profitable years in a row build equity to €162k.
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 184 days late
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
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, Zele · 1 establishment unit since 2020
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.
Veldekensstraat 2779240 ZeleGround area
3,651 m²
Building footprint
741 m²
Volume, LiDAR
3,116 m³
Parcel 42402C2238/00L000, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Riva
since 20202.305.104.238
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42402C2238/00L000 | Flanders | 3,651 m² | 1 · 741 m² | 10.6 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.
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Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 13,713 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.