RV FQM CONSULT
ActiveRV FQM CONSULT 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 €223k and a net result of €94k. Equity is shrinking by ~29.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 82% of 7980 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €223k
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
29 d early
2022
3 d early
2021
34 d early
2020
45 d early
2019
139 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€223k▲ 72.1%
2024 · €130k
2018: €577k
2019: €519k
2020: €490k
2021: €187k
2022: €122k
2023: €201k
2024: €130k
2018 → 2025
Net result
€94k▲ 281%
2024 · €25k
2018: €58k
2019: €-59k
2020: €2k
2021: €21k
2022: €35k
2023: €80k
2024: €25k
2018 → 2025
Total assets
€265k▲ 9.3%
2024 · €243k
2018: €592k
2019: €521k
2020: €504k
2021: €522k
2022: €341k
2023: €282k
2024: €243k
2018 → 2025
Solvency
84.2%▲ 30.7pp
2024 · 53.5%
2018: 97.6%
2019: 99.6%
2020: 97.3%
2021: 35.8%
2022: 35.8%
2023: 71.2%
2024: 53.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€187k-€122k▼ 34.8%€201k▲ 64.6%€130k▼ 35.4%€223k▲ 72.1%
Operating result€32k-€50k▲ 56.8%€109k▲ 118%€34k▼ 68.5%€135k▲ 293%
Net result€21k-€35k▲ 63.1%€80k▲ 131%€25k▼ 69.5%€94k▲ 281%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 293% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €265k
Fixed assets
€55k▼ 37.4%
Current assets
€210k▲ 35.8%
Equity and liabilities €265k
Equity
€223k▲ 72.1%
Debt
€42k▼ 62.9%
The debt ratio falls from 46.5% to 15.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
84.2%▲
2024 · 53.5%
ROE
41.9%▲
2024 · 18.9%
ROA
35.3%▲
2024 · 10.1%
Debt
€42k▼
2024 · €113k
Debt ≤ 1 year
€42k▼
2024 · €113k
Income taxes
€42k▲
2024 · €11k
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€243k€265k▲
Fixed assets21/28€88k€55k▼
Tangible fixed assets22/27€88k€55k▼
Plant, machinery and equipment23€412-
Furniture and vehicles24€87k€55k▼
Current assets29/58€155k€210k▲
Amounts receivable within one year40/41€5k€13k▲
Trade receivables40€5k€13k▲
Other amounts receivable41€24€64▲
Current investments50/53€105k€115k▲
Cash at bank and in hand54/58€43k€80k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€243k€265k▲
Equity10/15€130k€223k▲
Contributions10/11€19k€19k=
Reserves13€29k€121k▲
Distributable reserves133€29k€121k▲
Profit (loss) carried forward14€82k€83k▲
Amounts payable17/49€113k€42k▼
Amounts payable within one year42/48€113k€42k▼
Trade debts44€4k€11k▲
Suppliers440/4€4k€11k▲
Taxes, remuneration and social security45€13k€31k▲
Taxes450/3€9k€31k▲
Remuneration and social security454/9€4k-
Other amounts payable47/48€96k€290▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€33k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€69k€170k▲
Operating profit (loss)9901€34k€135k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€145€3k▲
Recurring financial charges65€145€162▲
Non-recurring financial charges66B-€2k
Profit (loss) for the period before taxes9903€36k€135k▲
Income taxes67/77€11k€42k▲
Profit (loss) for the period9904€25k€94k▲
Profit (loss) for the period to be appropriated9905€25k€94k▲
Appropriation of the result
Profit (loss) to be appropriated9906€106k€175k▲
Profit (loss) brought forward from the previous period14P€82k€82k=
Transfer from equity791/2€96k-
Transfer to equity691/2€25k€92k▲
To other reserves6921€25k€92k▲
Profit to be distributed694/7€96k-
Return on contributions (dividend)694€96k-
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
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €94k ▲281%
Operating result €135k, net result €94k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 5.02
Current ratio from 1.37 to 5.02; short-term debt falls from €113k to €42k.
31-12
Financial
Equity above €200kEq €223k ▲72.1%
6 profitable years in a row build equity to €223k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 6current ratio 11.71
Current ratio from 2.09 to 11.71; short-term debt falls from €119k to €14k.
31-12
Financial
Equity above €200kEq €201k ▲64.6%
4 profitable years in a row build equity to €201k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 139 days late
2019
31-12
Financial
Weakest financial yearnet €-59k ▼201%
Net result drops to €-59k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 230.55
Current ratio from 37.92 to 230.55; short-term debt falls from €14k to €2k.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Heist-op-den-Berg · 1 establishment unit since 2010
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.
Roggeveldenstraat 392223 Heist-op-den-BergGround area
1,064 m²
Building footprint
127 m²
Volume, LiDAR
620 m³
Parcel 12033B0580/00S000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Roggeveldenstraat 39, 2223 Heist-op-den-Berg
since 20102.185.933.602
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12033B0580/00S000 | Flanders | 1,064 m² | 1 · 127 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,855 EUR awarded · 3,855 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 208 EUR | 208 EUR |
| 2024 | 1 | 429 EUR | 429 EUR |
| 2023 | 1 | 594 EUR | 594 EUR |
| 2022 | 1 | 2,624 EUR | 2,624 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,538 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
47551Retail sale of household furniture
47552Retail sale of lighting equipment
47559Retail sale of other household articles
47591Retail trade
47592Retail trade
47599Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:rudi.veekhoven@telenet.be
Phone:+32495208019