Summary
RVB CONSULT GROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €187k and a net result of €17k. Its solvency ranks better than 15% of 1423 sector peers (fiscal year 2024). The company has been active since 2022 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 check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 1423 sector peers (2024).
NBB · sector comparisonPosition among 1423 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
33 d late
2022
144 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€187k▲ 9.8%
2023 · €170k
2023: €170k
2024: €187k▲ +9.8% vs 2023
2023 → 2024
Net result
€17k▼ 70.8%
2023 · €57k
2023: €57k
2024: €17k▼ -70.8% vs 2023
2023 → 2024
Total assets
€2.63M▲ 97.8%
2023 · €1.33M
2023: €1.33M
2024: €2.63M▲ +97.8% vs 2023
2023 → 2024
Solvency
7.1%▼ 5.7pp
2023 · 12.8%
2023: 12.8%
2024: 7.1%▼ -44.5% vs 2023
2023 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Turnover€1.12M-
Equity€170k-€187k▲ 9.8%
2023: €170k
2024: €187k▲ +9.8% vs 2023
Operating result€104k-€138k▲ 32.6%
2023: €104k
2024: €138k▲ +32.6% vs 2023
Net result€57k-€17k▼ 70.8%
2023: €57k
2024: €17k▼ -70.8% vs 2023
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 33% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.63M
Fixed assets
€1.91M ▲ 103%
Current assets
€716k ▲ 85.9%
Equity and liabilities €2.63M
Equity
€187k ▲ 9.8%
Provisions
€733 ▼ 86.3%
Debt
€2.44M ▲ 112%
Debt's share of the balance-sheet total rises from 86.8% to 92.9%. Equity and debt are higher.
Key figures and ratios
ROE
8.9%▼
2023 · 33.6%
ROA
0.6%▼
2023 · 4.3%
Debt ≤ 1 year
€1.01M▲
2023 · €582k
Debt > 1 year
€1.25M▲
2023 · €449k
Income taxes
€67k▲
2023 · €32k
Staff costs
€455k▲
2023 · €261k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 57 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.33M€2.63M▲
Fixed assets21/28€943k€1.91M▲
Intangible fixed assets21€658k€1.65M▲
Tangible fixed assets22/27€281k€250k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€270k€241k▼
Other tangible fixed assets26€4k€2k▼
Financial fixed assets28€5k€7k▲
Current assets29/58€385k€716k▲
Amounts receivable within one year40/41€159k€255k▲
Other amounts receivable41€159k€255k▲
Cash at bank and in hand54/58€30k€165k▲
Deferred charges and accrued income490/1€197k€296k▲
Equity and liabilities
Total equity and liabilities10/49€1.33M€2.63M▲
Equity10/15€170k€187k▲
Contributions10/11€57k€57k=
Reserves13€29k€15k▼
Tax-exempt reserves132€29k€15k▼
Profit (loss) carried forward14€84k€115k▲
Provisions and deferred taxes16€5k€733▼
Deferred taxes168€5k€733▼
Amounts payable17/49€1.15M€2.44M▲
Amounts payable after more than one year17€449k€1.25M▲
Financial debts170/4€449k€1.25M▲
Amounts payable within one year42/48€582k€1.01M▲
Current portion of amounts payable after more than one year42€173k€352k▲
Trade debts44€309k€448k▲
Suppliers440/4€309k€448k▲
Taxes, remuneration and social security45€79k€187k▲
Taxes450/3€38k€85k▲
Remuneration and social security454/9€41k€102k▲
Other amounts payable47/48€20k€20k=
Accrued charges and deferred income492/3€123k€178k▲
Income statement
Code20232024
Turnover70€1.12M-
Non-recurring operating income76A€20k€3k▼
Goods, raw materials, services and sundry goods60/61€567k-
Remuneration, social security and pensions62€261k€455k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€209k€333k▲
Other operating charges640/8€10k€7k▼
Gross operating margin9900€583k€933k▲
Operating profit (loss)9901€104k€138k▲
Financial income75/76B€3k€8k▲
Recurring financial income75€3k€8k▲
Financial charges65/66B€23k€67k▲
Recurring financial charges65€23k€67k▲
Profit (loss) for the period before taxes9903€84k€79k▼
Transfer from deferred taxes780€5k€5k=
Income taxes67/77€32k€67k▲
Profit (loss) for the period9904€57k€17k▼
Transfer from tax-exempt reserves789€14k€14k=
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€71k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€104k€115k▲
Profit (loss) brought forward from the previous period14P€33k€84k▲
Profit to be distributed694/7€20k€0▼
Directors or managers695€20k€0▼
Social balance
Average headcount (FTE)90875.98.8▲
The notes to these accounts (26 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Turnover70 | €1.12M | - | - |
| Non-recurring operating income76A | €20k | €3k | ▼ 85.9% |
| Goods, raw materials, services and sundry goods60/61 | €567k | - | - |
| Remuneration, social security and pensions62 | €261k | €455k | ▲ 74.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €209k | €333k | ▲ 58.8% |
| Other operating charges640/8 | €10k | €7k | ▼ 26.2% |
| Gross operating margin9900 | €583k | €933k | ▲ 59.8% |
| Operating profit (loss)9901 | €104k | €138k | ▲ 32.6% |
| Financial income75/76B | €3k | €8k | ▲ 156% |
| Recurring financial income75 | €3k | €8k | ▲ 156% |
| Financial charges65/66B | €23k | €67k | ▲ 192% |
| Recurring financial charges65 | €23k | €67k | ▲ 192% |
| Profit (loss) for the period before taxes9903 | €84k | €79k | ▼ 5.8% |
| Transfer from deferred taxes780 | €5k | €5k | = |
| Income taxes67/77 | €32k | €67k | ▲ 112% |
| Profit (loss) for the period9904 | €57k | €17k | ▼ 70.8% |
| Transfer from tax-exempt reserves789 | €14k | €14k | = |
| Transfer to tax-exempt reserves689 | €0 | - | - |
| Profit (loss) for the period to be appropriated9905 | €71k | €31k | ▼ 56.9% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €1.33M | €2.63M | ▲ 97.8% |
| Fixed assets21/28 | €943k | €1.91M | ▲ 103% |
| Intangible fixed assets21 | €658k | €1.65M | ▲ 151% |
| Tangible fixed assets22/27 | €281k | €250k | ▼ 11.1% |
| Plant, machinery and equipment23 | €7k | €6k | ▼ 19.6% |
| Furniture and vehicles24 | €270k | €241k | ▼ 10.5% |
| Other tangible fixed assets26 | €4k | €2k | ▼ 37.7% |
| Financial fixed assets28 | €5k | €7k | ▲ 66.3% |
| Current assets29/58 | €385k | €716k | ▲ 85.9% |
| Amounts receivable within one year40/41 | €159k | €255k | ▲ 61.1% |
| Other amounts receivable41 | €159k | €255k | ▲ 61.1% |
| Cash at bank and in hand54/58 | €30k | €165k | ▲ 451% |
| Deferred charges and accrued income490/1 | €197k | €296k | ▲ 50.6% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €1.33M | €2.63M | ▲ 97.8% |
| Equity10/15 | €170k | €187k | ▲ 9.8% |
| Contributions10/11 | €57k | €57k | = |
| Reserves13 | €29k | €15k | ▼ 48.1% |
| Tax-exempt reserves132 | €29k | €15k | ▼ 48.1% |
| Profit (loss) carried forward14 | €84k | €115k | ▲ 36.2% |
| Provisions and deferred taxes16 | €5k | €733 | ▼ 86.3% |
| Deferred taxes168 | €5k | €733 | ▼ 86.3% |
| Amounts payable17/49 | €1.15M | €2.44M | ▲ 112% |
| Amounts payable after more than one year17 | €449k | €1.25M | ▲ 180% |
| Financial debts170/4 | €449k | €1.25M | ▲ 180% |
| Amounts payable within one year42/48 | €582k | €1.01M | ▲ 73.1% |
| Current portion of amounts payable after more than one year42 | €173k | €352k | ▲ 103% |
| Trade debts44 | €309k | €448k | ▲ 44.9% |
| Suppliers440/4 | €309k | €448k | ▲ 44.9% |
| Taxes, remuneration and social security45 | €79k | €187k | ▲ 136% |
| Taxes450/3 | €38k | €85k | ▲ 125% |
| Remuneration and social security454/9 | €41k | €102k | ▲ 146% |
| Other amounts payable47/48 | €20k | €20k | = |
| Accrued charges and deferred income492/3 | €123k | €178k | ▲ 44.9% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €57k | €17k | ▼ 70.8% |
| + Depreciation and write-downs630 | €209k | €333k | ▲ 58.8% |
| Operating cash flow (approximation) | €267k | €349k | ▲ 31.0% |
| Investment in fixed assets (approximation) | - | €-1.30M | - |
| Change in cash | - | €135k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
02-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 33 days late
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 144 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Waregem · 3 establishment units since 2022
Ground area
6,609 m²
Building footprint
1,047 m²
Volume, LiDAR
9,500 m³
3 parcels, Flanders · tallest building 18.2 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
3 establishment units
RVB CONSULT GROUP
since 20222.335.598.167
Verzekeringskantoor De Potter / RVB CONSULT
since 20222.335.598.563
RVB CONSULT GROUP
since 20242.359.391.871
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0133/00N000 | Flanders | 3,877 m² | 1 · 376 m² | 13.0 m · 3 fl. |
| 34040C1401/00N002 | Flanders | 1,377 m² | 1 · 350 m² | 18.2 m · 1 fl. |
| 37016B0466/00B000 | Flanders | 1,355 m² | 1 · 321 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 87 EUR awarded · 87 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 87 EUR | 87 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Les Conseillers 2.0
BE 0741.754.941
Frameries · Eq €186,661
BUREAU ALBERT GIANOTTI
BE 0898.545.048
Soumagne · Eq €186,482
JACQUES HULSBOSCH & PARTNERS
BE 0479.957.681
Hamont-Achel · Eq €186,693
Assicurazione WB
BE 0821.834.181
Oudenaarde · Eq €187,079
PROTECT
BE 0478.213.067
Heist-op-den-Berg · Eq €187,202
Of 4,677 companies in sector 66220 we hold annual accounts for 3,221. 2,828 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Scores and ratios are computed by Checked and are not a credit decision.