RVS
ActiveThe computed 12-month bankruptcy probability of RVS is 2.0% (moderate). The 2025 annual accounts show negative equity (€-17k) and a net result of €-14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 7692 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-12
Growth32=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.39 against 0.85 in 2024; short-term debt: 227.9% and cash: 2.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-137.8%
Return on assets
-111%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-17k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-02-2026, 12 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 · 10 filingsDeviation from the deadline
2025
12 d late
2024
376 d late
2023
27 d late
2022
on the day
2021
on the day
2020
2 d early
2019
14 d late
← 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 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-17k▼ 415%
2024 · €-3k
2019: €34k
2020: €45k
2021: €55k
2022: €54k
2023: €34k
2024: €-3k
2019 → 2025
Total assets
€13k▼ 52.5%
2024 · €26k
2019: €59k
2020: €104k
2021: €96k
2022: €84k
2023: €67k
2024: €26k
2019 → 2025
Net result
€-14k▲ 62.8%
2024 · €-37k
2019: €16k
2020: €11k
2021: €10k
2022: €-926
2023: €-20k
2024: €-37k
2019 → 2025
Working capital
€-17k▼ 495%
2024 · €-3k
2019: €34k
2020: €39k
2021: €39k
2022: €39k
2023: €23k
2024: €-3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€54k▼ 1.7%€34k▼ 37.0%€-3k€-17k▼ 415%
Operating result€10k-€2k▼ 81.5%€-19k€-36k▼ 86.9%€-13k▲ 64.6%
Net result€10k-€-926€-20k▼ 2,055%€-37k▼ 87.2%€-14k▲ 62.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €36k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13k
Fixed assets
€1k▼ 85.0%
Current assets
€11k▼ 34.4%
Key figures and ratios
EBITDA
€-5k▲
2024 · €-26k
Cash flow
€-6k▲
2024 · €-28k
Solvency
-137.8%▼
2024 · -12.7%
Current ratio
0.39▼
2024 · 0.85
Quick ratio
0.14▼
2024 · 0.39
Debt / equity
-1.73▲
2024 · -8.87
ROA
-111.0%▲
2024 · -141.9%
Interest coverage
-5.30▲
2024 · -22.76
Debt
€30k▲
2024 · €30k
Debt ≤ 1 year
€28k▲
2024 · €20k
Income taxes
€183▼
2024 · €446
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€26k€13k▼
Fixed assets21/28€9k€1k▼
Tangible fixed assets22/27€9k€1k▼
Plant, machinery and equipment23€3k€1k▼
Other tangible fixed assets26€6k-
Financial fixed assets28€375€375=
Current assets29/58€17k€11k▼
Stocks and contracts in progress3€9k€7k▼
Stocks30/36€9k€7k▼
Amounts receivable within one year40/41€5k€3k▼
Trade receivables40€1k€2k▲
Other amounts receivable41€4k€1k▼
Cash at bank and in hand54/58€262€262=
Deferred charges and accrued income490/1€3k€865▼
Equity and liabilities
Total equity and liabilities10/49€26k€13k▼
Equity10/15€-3k€-17k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Legal reserve130€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€-24k€-38k▼
Amounts payable17/49€30k€30k▲
Amounts payable within one year42/48€20k€28k▲
Current portion of amounts payable after more than one year42€7k-
Trade debts44€7k€13k▲
Suppliers440/4€7k€13k▲
Taxes, remuneration and social security45€1k€181▼
Taxes450/3€446€181▼
Remuneration and social security454/9€704-
Other amounts payable47/48€4k€15k▲
Accrued charges and deferred income492/3€10k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Gross operating margin9900€-26k€-5k▲
Operating profit (loss)9901€-36k€-13k▲
Financial income75/76B€355-
Recurring financial income75€355-
Financial charges65/66B€1k€902▼
Recurring financial charges65€1k€902▼
Profit (loss) for the period before taxes9903€-37k€-14k▲
Income taxes67/77€446€183▼
Profit (loss) for the period9904€-37k€-14k▲
Profit (loss) for the period to be appropriated9905€-37k€-14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-38k▼
Profit (loss) brought forward from the previous period14P€14k€-24k▼
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
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 376 days late
2024
30-06
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
27-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 14 days late
2019
01-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
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, Puurs-Sint-Amands · 1 establishment unit since 2011
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.
Molendreef 352890 Puurs-Sint-AmandsGround area
595 m²
Building footprint
154 m²
Volume, LiDAR
759 m³
Parcel 12034B0435/00E000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RVS
since 20112.196.651.013
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12034B0435/00E000 | Flanders | 595 m² | 1 · 154 m² | 7.3 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 2024 · 2 entries · 867 EUR awarded · 867 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 401 EUR | 401 EUR |
| 2022 | 1 | 466 EUR | 466 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,524 companies in sector 43222 we hold annual accounts for 5,657. 4,154 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2011
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.