RVL-CONCEPT
ActiveSummary
RVL-CONCEPT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78,535 and a net result of -€30,959. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 7838 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability56▼-16
Solvency52▼-9
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity short (current ratio 0.95 against 1.2 in 2024; short-term debt: 68.1% and cash: 4.4% of total assets), and 73.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26.6%
Return on assets
-10.5%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
on the day
2023
114 d late
2022
60 d late
2021
304 d late
2020
47 d late
2019
272 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 113 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 September (4 of the last 5 filed years within 67 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€30,959
2024 · €42,257
Working capital
-€9,259
2024 · €33,902
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€4,224€47,721€30,559▼ 36.0%€50,312▲ 64.6%-€30,018
Net result-€4,548below the sector's middle half€47,393within the sector's middle half€19,671within the sector's middle half▼ 58.5%€42,257within the sector's middle half▲ 115%-€30,959below the sector's middle half
Equity€173below the sector's middle half▼ 96.3%€47,566below the sector's middle half▲ 27,395%€67,237within the sector's middle half▲ 41.4%€109,494within the sector's middle half▲ 62.8%€78,535within the sector's middle half▼ 28.3%
Total assets€125,472below the sector's middle half▲ 36.6%€172,845below the sector's middle half▲ 37.8%€294,019below the sector's middle half▲ 70.1%€306,159within the sector's middle half▲ 4.1%€295,231within the sector's middle half▼ 3.6%
Debt€125,299▲ 43.8%€125,279=€226,782▲ 81.0%€196,665▼ 13.3%€216,696▲ 10.2%
Working capital-€19,958within the sector's middle half▼ 66.4%€39,599within the sector's middle half-€3,905within the sector's middle half€33,902within the sector's middle half-€9,259below the sector's middle half
Solvency0.1%below the sector's middle half▼ 5.0pp27.5%within the sector's middle half▲ 27.4pp22.9%within the sector's middle half▼ 4.7pp35.8%within the sector's middle half▲ 12.9pp26.6%within the sector's middle half▼ 9.2pp
Current ratio0.84within the sector's middle half▼ 0.021.32within the sector's middle half▲ 0.480.98within the sector's middle half▼ 0.341.20within the sector's middle half▲ 0.220.95within the sector's middle half▼ 0.24
Return on assets (ROA)-3.6%below the sector's middle half▼ 7.8pp27.4%above the sector's middle half▲ 31.0pp6.7%within the sector's middle half▼ 20.7pp13.8%within the sector's middle half▲ 7.1pp-10.5%below the sector's middle half▼ 24.3pp
Staff (FTE)3within the sector's middle half=3within the sector's middle half=3within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €30,018 after €50,312 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €295,231
Fixed assets
€103,355 ▲ 3.7%
Current assets
€191,876 ▼ 7.1%
Equity and liabilities €295,231
Equity
€78,535 ▼ 28.3%
Debt
€216,696 ▲ 10.2%
Debt's share of the balance-sheet total rises from 64.2% to 73.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€14,615▼
2024 · €73,909
Cash flow
€13,674▼
2024 · €65,854
Quick ratio
0.74▼
2024 · 0.96
Debt to equity
2.76▲
2024 · 1.80
ROE
-39.4%▼
2024 · 38.6%
Interest coverage
15.53
Debt ≤ 1 year
€201,135▲
2024 · €172,616
Debt > 1 year
€15,561▼
2024 · €24,049
Staff costs
€165,284▲
2024 · €160,010
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,294 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 90% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
6.0%
stopped otherwise
90%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,294 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €140,412 | €126,532 | €177,883 | €160,010 | €165,284 | ▲ 3.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,563 | €5,912 | €11,084 | €23,597 | €44,633 | ▲ 89.1% |
| Other operating charges640/8 | €2,875 | €649 | €5,494 | €3,528 | €3,264 | ▼ 7.5% |
| Non-recurring operating charges66A | - | - | - | - | €1,816 | - |
| Gross operating margin9900 | €146,626 | €180,814 | €225,020 | €237,447 | €184,979 | ▼ 22.1% |
| Operating profit (loss)9901 | -€4,224 | €47,721 | €30,559 | €50,312 | -€30,018 | ▼ 160% |
| Financial income75/76B | - | - | €80 | €5,104 | - | - |
| Recurring financial income75 | - | - | €80 | €5,104 | - | - |
| Financial charges65/66B | €324 | €328 | €1,244 | - | €941 | - |
| Recurring financial charges65 | €324 | €328 | €1,244 | - | €941 | - |
| Profit (loss) for the period before taxes9903 | -€4,548 | €47,393 | €29,395 | €55,416 | -€30,959 | ▼ 156% |
| Income taxes67/77 | - | - | €9,724 | €13,159 | - | - |
| Profit (loss) for the period9904 | -€4,548 | €47,393 | €19,671 | €42,257 | -€30,959 | ▼ 173% |
| Profit (loss) for the period to be appropriated9905 | -€4,548 | €47,393 | €19,671 | €42,257 | -€30,959 | ▼ 173% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €125,472 | €172,845 | €294,019 | €306,159 | €295,231 | ▼ 3.6% |
| Fixed assets21/28 | €20,131 | €7,967 | €104,386 | €99,641 | €103,355 | ▲ 3.7% |
| Tangible fixed assets22/27 | €20,131 | €7,967 | €104,386 | €99,641 | €103,355 | ▲ 3.7% |
| Plant, machinery and equipment23 | €6,930 | €6,520 | €5,022 | €21,376 | €26,154 | ▲ 22.4% |
| Furniture and vehicles24 | €13,201 | €1,447 | €99,364 | €78,265 | €77,201 | ▼ 1.4% |
| Current assets29/58 | €105,341 | €164,878 | €189,633 | €206,518 | €191,876 | ▼ 7.1% |
| Stocks and contracts in progress3 | €33,500 | €20,000 | €23,000 | €40,000 | €43,000 | ▲ 7.5% |
| Stocks30/36 | €33,500 | €20,000 | €23,000 | €40,000 | €43,000 | ▲ 7.5% |
| Amounts receivable within one year40/41 | €61,191 | €134,108 | €156,819 | €133,951 | €113,057 | ▼ 15.6% |
| Trade receivables40 | €61,191 | €134,014 | €147,014 | €131,223 | €112,101 | ▼ 14.6% |
| Other amounts receivable41 | - | €94 | €9,805 | €2,728 | €956 | ▼ 65.0% |
| Cash at bank and in hand54/58 | €270 | €4,770 | €1,046 | - | €12,920 | - |
| Deferred charges and accrued income490/1 | €10,380 | €6,000 | €8,768 | €32,567 | €22,899 | ▼ 29.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €125,472 | €172,845 | €294,019 | €306,159 | €295,231 | ▼ 3.6% |
| Equity10/15 | €173 | €47,566 | €67,237 | €109,494 | €78,535 | ▼ 28.3% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | €6,200 | €6,200 | - | - | - |
| Issued capital100 | €18,600 | €18,600 | €18,600 | - | - | - |
| Uncalled capital101 | €12,400 | €12,400 | €12,400 | - | - | - |
| Reserves13 | €9,360 | €9,360 | €9,360 | €9,360 | €9,360 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | = |
| Distributable reserves133 | €7,500 | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Profit (loss) carried forward14 | -€15,387 | €32,006 | €51,677 | €93,934 | €62,975 | ▼ 33.0% |
| Amounts payable17/49 | €125,299 | €125,279 | €226,782 | €196,665 | €216,696 | ▲ 10.2% |
| Amounts payable after more than one year17 | - | - | €33,244 | €24,049 | €15,561 | ▼ 35.3% |
| Financial debts170/4 | - | - | €33,244 | €24,049 | €15,561 | ▼ 35.3% |
| Amounts payable within one year42/48 | €125,299 | €125,279 | €193,538 | €172,616 | €201,135 | ▲ 16.5% |
| Current portion of amounts payable after more than one year42 | - | - | €8,488 | €9,195 | €8,488 | ▼ 7.7% |
| Financial debts43 | - | - | - | €1,949 | - | - |
| Other loans439 | - | - | - | €1,949 | - | - |
| Trade debts44 | €16,354 | €11,460 | €43,412 | €46,658 | €26,618 | ▼ 43.0% |
| Suppliers440/4 | €16,354 | €11,460 | €43,412 | €46,658 | €26,618 | ▼ 43.0% |
| Taxes, remuneration and social security45 | €102,473 | €107,417 | €118,195 | €20,934 | €47,057 | ▲ 125% |
| Taxes450/3 | €6,279 | €6,255 | €5,837 | €13,159 | €22,293 | ▲ 69.4% |
| Remuneration and social security454/9 | €96,194 | €101,162 | €112,358 | €7,775 | €24,764 | ▲ 219% |
| Other amounts payable47/48 | €6,472 | €6,402 | €23,443 | €93,880 | €118,972 | ▲ 26.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,548 | €47,393 | €19,671 | €42,257 | -€30,959 | ▼ 173% |
| + Depreciation and write-downs630 | €7,563 | €5,912 | €11,084 | €23,597 | €44,633 | ▲ 89.1% |
| Operating cash flow (approximation) | €3,015 | €53,305 | €30,755 | €65,854 | €13,674 | ▼ 79.2% |
| Investment in fixed assets (approximation) | - | €6,252 | -€107,503 | -€18,852 | -€48,347 | ▼ 156% |
| Change in cash | - | €4,500 | -€3,724 | - | - | - |
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
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€30,959
Net result drops to -€30,959, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100,000Eq €109,494 ▲62.8%
3 profitable years in a row build equity to €109,494.
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 114 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 60 days late
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 304 days late
2022
31-12
Financial
Back to profitnet €47,393
Net result €47,393 after one loss-making year.
2021
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 47 days late
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 272 days late
2020
31-12
Financial
Back to profitnet €3,815
Net result €3,815 after 2 loss-making years.
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Herstal · 1 establishment unit since 2009
Ground area
142 m²
Building footprint
88 m²
Volume, LiDAR
538 m³
Parcel 62315G0568/00S017, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
RVL-CONCEPT
since 20092.176.489.958
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62315G0568/00S017 | Wallonia | 142 m² | 1 · 88 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 24,516 companies in sector 82990 we hold annual accounts for 9,419. 7,147 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
Founded04-02-2009
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
82990Other business support services
70200Business and other management consultancy
74301Translation services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0809567146
Also
9925:BE0809567146
Registered
08-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.