RVU consulting
ActiveRVU consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €64k and a net result of €79k. Equity is shrinking by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 35% of 346 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2026
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability100=
Solvency71▼-24
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 2.5 in 2025; short-term debt: 54.4% and cash: 26% of total assets), and 54.4% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2026Solvency, return and age of the figures
Solvency
45.6%
Return on assets
56.6%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 26-05-2026, 158 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2026
158 d early
2025
52 d early
2024
on the day
2023
42 d early
2022
33 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€64k▼ 55.8%
2025 · €145k
2022: €132k
2023: €231k
2024: €340k
2025: €145k
2022 → 2026
Total assets
€140k▼ 32.6%
2025 · €208k
2022: €189k
2023: €277k
2024: €376k
2025: €208k
2022 → 2026
Net result
€79k▼ 17.5%
2025 · €96k
2022: €132k
2023: €100k
2024: €109k
2025: €96k
2022 → 2026
Working capital
€26k▼ 72.0%
2025 · €94k
2022: €131k
2023: €229k
2024: €276k
2025: €94k
2022 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€132k-€231k▲ 74.6%€340k▲ 47.0%€145k▼ 57.4%€64k▼ 55.8%
Operating result€170k-€129k▼ 24.2%€137k▲ 6.2%€120k▼ 12.2%€100k▼ 16.7%
Net result€132k-€100k▼ 23.9%€109k▲ 8.3%€96k▼ 11.7%€79k▼ 17.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2026 is 17% below 2025 and is the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €140k
Fixed assets
€38k▼ 25.6%
Current assets
€102k▼ 34.8%
Equity and liabilities €140k
Equity
€64k▼ 55.8%
Debt
€76k▲ 20.8%
The debt ratio rises from 30.3% to 54.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€113k▼
2025 · €133k
Cash flow
€92k▼
2025 · €109k
Solvency
45.6%▼
2025 · 69.7%
Current ratio
1.35▼
2025 · 2.50
Quick ratio
1.35▼
2025 · 2.50
Debt / equity
1.19▲
2025 · 0.44
ROE
124.1%▲
2025 · 66.4%
ROA
56.6%▲
2025 · 46.3%
Interest coverage
863.22▲
2025 · 418.04
Debt
€76k▲
2025 · €63k
Debt ≤ 1 year
€76k▲
2025 · €63k
Income taxes
€23k▼
2025 · €26k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€208k€140k▼
Fixed assets21/28€50k€38k▼
Tangible fixed assets22/27€50k€38k▼
Furniture and vehicles24€49k€37k▼
Other tangible fixed assets26€1k€1k▼
Current assets29/58€157k€102k▼
Amounts receivable within one year40/41€20k€42k▲
Trade receivables40€20k€23k▲
Other amounts receivable41-€18k
Current investments50/53€50k€17k▼
Cash at bank and in hand54/58€78k€36k▼
Deferred charges and accrued income490/1€8k€8k▼
Equity and liabilities
Total equity and liabilities10/49€208k€140k▼
Equity10/15€145k€64k▼
Contributions10/11€2k€2k=
Reserves13€143k€62k▼
Tax-exempt reserves132€108k€62k▼
Distributable reserves133€35k€0▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€63k€76k▲
Amounts payable within one year42/48€63k€76k▲
Trade debts44€587€492▼
Suppliers440/4€587€492▼
Taxes, remuneration and social security45€11k€16k▲
Taxes450/3€11k€16k▲
Other amounts payable47/48€52k€60k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€837€816▼
Gross operating margin9900€134k€114k▼
Operating profit (loss)9901€120k€100k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€318€131▼
Recurring financial charges65€318€131▼
Profit (loss) for the period before taxes9903€122k€102k▼
Income taxes67/77€26k€23k▼
Profit (loss) for the period9904€96k€79k▼
Transfer from tax-exempt reserves789€0€46k▲
Transfer to tax-exempt reserves689€21k€0▼
Profit (loss) for the period to be appropriated9905€75k€125k▲
Appropriation of the result
Profit (loss) to be appropriated9906€75k€125k▲
Transfer from equity791/2€251k€81k▼
Transfer to equity691/2€35k€46k▲
To other reserves6921€35k€46k▲
Profit to be distributed694/7€291k€160k▼
Return on contributions (dividend)694€291k€160k▼
The notes to these accounts (5 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 2027, expected by
2026
26-05
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Weakest financial yearnet €79k ▼17.5%
Net result drops to €79k, the lowest in the series.
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €200kEq €231k ▲74.6%
2 profitable years in a row build equity to €231k.
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Harelbeke · 1 establishment unit since 2021
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.
Vierbunderkouter 48531 HarelbekeGround area
622 m²
Building footprint
116 m²
Volume, LiDAR
529 m³
Parcel 34004B0264/00N002, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RVU consulting
since 20212.312.326.184
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34004B0264/00N002 | Flanders | 622 m² | 1 · 116 m² | 7.0 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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2021
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.