RIVS
ActiveRIVS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €330k and a net result of €104k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 79% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 4.26 in 2024; short-term debt: 18.1% and cash: 31.1% of total assets), and 18.1% 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.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
81.9%
Return on assets
25.7%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-02-2026, 1 day late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
1 d late
2024
1 d early
2023
7 d early
2022
6 d early
2021
4 d early
2020
1 d late
2019
25 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€330k▲ 11.5%
2024 · €296k
2019: €252k
2020: €225k
2021: €219k
2022: €130k
2023: €140k
2024: €296k
2019 → 2025
Total assets
€403k▲ 20.3%
2024 · €335k
2019: €556k
2020: €572k
2021: €435k
2022: €240k
2023: €208k
2024: €335k
2019 → 2025
Net result
€104k▼ 33.5%
2024 · €156k
2019: €4k
2020: €-27k
2021: €-7k
2022: €-88k
2023: €10k
2024: €156k
2019 → 2025
Working capital
€141k▲ 22.0%
2024 · €115k
2019: €159k
2020: €165k
2021: €128k
2022: €-34k
2023: €-27k
2024: €115k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€219k-€130k▼ 40.5%€140k▲ 7.5%€296k▲ 111%€330k▲ 11.5%
Operating result€-4k-€64k€11k▼ 82.3%€181k▲ 1,507%€153k▼ 15.2%
Net result€-7k-€-88k▼ 1,256%€10k€156k▲ 1,487%€104k▼ 33.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €403k
Fixed assets
€189k▲ 2.7%
Current assets
€214k▲ 41.8%
Equity and liabilities €403k
Equity
€330k▲ 11.5%
Debt
€73k▲ 87.0%
The debt ratio rises from 11.7% to 18.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€171k▼
2024 · €198k
Cash flow
€121k▼
2024 · €173k
Solvency
81.9%▼
2024 · 88.3%
Current ratio
2.93▼
2024 · 4.26
Quick ratio
2.90▼
2024 · 4.10
Debt / equity
0.22▲
2024 · 0.13
ROE
31.4%▼
2024 · 52.7%
ROA
25.7%▼
2024 · 46.5%
Interest coverage
354.09▲
2024 · 217.35
Debt
€73k▲
2024 · €39k
Debt ≤ 1 year
€73k▲
2024 · €35k
Income taxes
€50k▲
2024 · €25k
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€335k€403k▲
Fixed assets21/28€184k€189k▲
Tangible fixed assets22/27€184k€189k▲
Land and buildings22€162k€150k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€19k€15k▼
Other tangible fixed assets26€961€21k▲
Current assets29/58€151k€214k▲
Amounts receivable after more than one year29€20k€7k▼
Other amounts receivable291€20k€7k▼
Stocks and contracts in progress3€6k€2k▼
Stocks30/36€6k€2k▼
Amounts receivable within one year40/41€35k€77k▲
Trade receivables40€32k€60k▲
Other amounts receivable41€3k€17k▲
Cash at bank and in hand54/58€54k€125k▲
Deferred charges and accrued income490/1€36k€3k▼
Equity and liabilities
Total equity and liabilities10/49€335k€403k▲
Equity10/15€296k€330k▲
Contributions10/11€122k€122k=
Reserves13€173k€207k▲
Non-distributable reserves130/1€12k€12k=
Reserves not available under the articles1311€12k€12k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€142k€176k▲
Amounts payable17/49€39k€73k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€35k€73k▲
Current portion of amounts payable after more than one year42€22k€2k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€7k€66k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-16k
Other operating charges640/8€1k€2k▲
Gross operating margin9900€199k€156k▼
Operating profit (loss)9901€181k€153k▼
Financial income75/76B€351€1k▲
Recurring financial income75€351€1k▲
Financial charges65/66B€912€482▼
Recurring financial charges65€912€482▼
Profit (loss) for the period before taxes9903€180k€154k▼
Income taxes67/77€25k€50k▲
Profit (loss) for the period9904€156k€104k▼
Profit (loss) for the period to be appropriated9905€156k€104k▼
Appropriation of the result
Profit (loss) to be appropriated9906€73k€104k▲
Profit (loss) brought forward from the previous period14P€-83k-
Transfer from equity791/2-€70k
Transfer to equity691/2€73k€104k▲
To other reserves6921€73k€104k▲
Profit to be distributed694/7-€70k
Return on contributions (dividend)694-€70k
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
01-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €156k ▲1487%
Operating result €181k, net result €156k, both a record.
30-06
Financial
Liquidity times 12current ratio 4.26
Current ratio from 0.36 to 4.26; short-term debt falls from €43k to €35k.
30-06
Financial
Equity above €200kEq €296k ▲111%
2 profitable years in a row build equity to €296k.
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €10k
Net result €10k after 3 loss-making years.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-88k
Net result drops to €-88k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-01
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.
Directors · office · real estate
Directors
9 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, Brasschaat · 1 establishment unit since 2005
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.
Boskapellei 1042930 BrasschaatGround area
1,661 m²
Building footprint
231 m²
Volume, LiDAR
1,209 m³
Parcel 11323F0031/00G004, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RIVS
since 20052.145.267.044
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11323F0031/00G004 | Flanders | 1,661 m² | 1 · 231 m² | 7.7 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300T89NQVS4CQCT89
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OBVIOUS
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LACTAGENS
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GOBOS
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 37,571 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-02-2005
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.