RIVICH - IMMO

Active

Private limited companyfounded 200224 yrs activeRue Jules Destrée 217, 7390 Quaregnon, BelgiumKBO/BCE: BE 0478.125.668

Summary

The computed 12-month bankruptcy probability of RIVICH - IMMO is 6.1% (elevated). The annual accounts of RIVICH - IMMO for fiscal year 2024 show a net loss of 51% of the equity at the start of that year. The 2024 annual accounts show equity of €65,756 and a net result of -€69,197. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 42% of 1558 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

RIVICH - IMMOActiveChecked score 35/100

Risk analysis Report Compare

Activity

Computer consultancy and computer facilities management

NACE 62200Retail sale of information and communication equipment NACE 47400NACE 47410

1 site

Size

€199,731total assets 2024

Equity: €65,756
Loss: -€69,197

Financial health

35 Weak Checked score 2024

Bankruptcy chance 12 m: 6.1%

Structure

Board: 1 member

Accounts 65 d overdue1 of 5 deeds read

Why 35- 1 financial year not filed after the legal deadline; latest accounts 305 days late; 3 of the last 3 late- Liquidity: current ratio 1.46- Figures for FY 2024 (filed 01-06-2026)+ Sector Computer programming, consultancy and related activities (NACE 62)Show the evidence

Checked score

Score 2024

35 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 29% of its sector peers (NACE 62, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2023

Average

Solvency 58-42

equity 32.9% of total assets

Liquidity 81+30

short-term debt 25.1%

Profitability 0-80

return on assets -34.6%

Bankruptcy probability, 12 months

6.1% Elevated

0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,634 companies)

Last 24 months 11-2024: 5.2% 12-2024: 5.2%● 0.0% vs 11-2024 01-2025: 5.7%▲ +9.6% vs 12-2024 02-2025: 1.7%▼ -70.0% vs 01-2025 03-2025: 1.7%▲ +1.0% vs 02-2025 04-2025: 1.7%▼ -0.2% vs 03-2025 05-2025: 1.7%▼ -1.7% vs 04-2025 06-2025: 1.6%▼ -4.1% vs 05-2025lowest value 07-2025: 1.8%▲ +10.5% vs 06-2025 08-2025: 2.3%▲ +29.5% vs 07-2025 09-2025: 2.6%▲ +8.9% vs 08-2025 10-2025: 3.1%▲ +20.5% vs 09-2025 11-2025: 2.8%▼ -7.8% vs 10-2025 12-2025: 3.4%▲ +21.3% vs 11-2025 01-2026: 5.8%▲ +68.8% vs 12-2025 02-2026: 5.8%● 0.0% vs 01-2026 03-2026: 6.1%▲ +5.7% vs 02-2026highest value 04-2026: 5.6%▼ -9.3% vs 03-2026 05-2026: 5.6%● 0.0% vs 04-2026 06-2026: 5.6%● 0.0% vs 05-2026 07-2026: 4.7%▼ -15.9% vs 06-2026 08-2026: 5.4%▲ +15.0% vs 07-2026 09-2026: 5.4%▲ +0.8% vs 08-2026 10-2026: 6.1%▲ +12.8% vs 09-2026

1 financial year not filed after the legal deadline; latest accounts 305 days late; 3 of the last 3 late raises the probability
Liquidity: current ratio 1.46 raises the probability
Figures for FY 2024 (filed 01-06-2026) raises the probability
Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability

Credit up to €2,000 at 30 days only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity tight (current ratio 1.46 against 2.02 in 2023; short-term debt: 25.1% of total assets), and 67.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 31%, liquidity 65%, profitability 5%, growth against the median 14%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk

1 financial year not filed after the legal deadline; latest accounts 305 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Liquidity: current ratio 1.46

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Figures for FY 2024 (filed 01-06-2026)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Sector Computer programming, consultancy and related activities (NACE 62)

In the bankruptcy model this factor lowers the probability.

KBO

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-06-2026, 305 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

305 d late

2023

166 d late

2022

529 d late

2021

148 d late

2020

198 d late

2019

122 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 245 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (1)

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

01-06-26 Annual accounts filedfiscal year 2024 · full…
22-04-26 Resignations: BOUSHIB Moustapha (manager) and KERKICH…Appointment: BOUSHIB Moustapha (non-statutory director)…
13-01-25 Annual accounts filedfiscal year 2023 · micro…

Key points

Caution: From profit to loss in 2024after €15,295 in 2023 -€69,197 View
Caution: Among the weakest 14% on net resultsector median €33,054 · 1,562 companies -€69,197 View
Caution: Accounts not fileddeadline was 31-07-2026 65 d late View
Caution: Board changedlatest change 22-04-2026 · 1 in office 1 joined · 1 left View