TRIOVAL
ActiveTRIOVAL has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €37k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 35% of 31061 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency57▼-23
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.44 in 2024), and 63.5% 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36.5%
Return on assets
67.2%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
9 d early
2023
7 d late
2022
35 d early
2021
11 d early
2020
24 d late
2019
27 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▼ 61.5%
2024 · €52k
2020: €682
2021: €52k
2022: €52k
2023: €52k
2024: €52k
2020 → 2025
Total assets
€55k▼ 49.9%
2024 · €110k
2020: €44k
2021: €74k
2022: €104k
2023: €138k
2024: €110k
2020 → 2025
Net result
€37k▼ 32.9%
2024 · €55k
2020: €-7k
2021: €40k
2022: €38k
2023: €69k
2024: €55k
2020 → 2025
Working capital
€497▼ 98.1%
2024 · €26k
2020: €-5k
2021: €44k
2022: €44k
2023: €39k
2024: €26k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€52k=€52k=€52k=€20k▼ 61.5%
Operating result€52k-€70k▲ 36.5%€90k▲ 28.0%€116k▲ 28.8%€127k▲ 9.6%
Net result€40k-€38k▼ 3.9%€69k▲ 79.8%€55k▼ 20.0%€37k▼ 32.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 10% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€20k▼ 26.3%
Current assets
€36k▼ 57.4%
Equity and liabilities €55k
Equity
€20k▼ 61.5%
Debt
€35k▼ 39.5%
The debt ratio rises from 52.6% to 63.5%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€136k▲
2024 · €121k
Cash flow
€46k▼
2024 · €60k
Solvency
36.5%▼
2024 · 47.4%
Current ratio
1.01▼
2024 · 1.44
Quick ratio
1.01▼
2024 · 1.44
Debt / equity
1.74▲
2024 · 1.11
ROE
184.3%▲
2024 · 105.8%
ROA
67.2%▲
2024 · 50.1%
Interest coverage
1.73▼
2024 · 2.78
Debt
€35k▼
2024 · €58k
Debt ≤ 1 year
€35k▼
2024 · €58k
Income taxes
€12k▼
2024 · €17k
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
Total assets
20/58€110k€55k▼
Fixed assets
21/28€27k€20k▼
Tangible fixed assets
22/27€27k€20k▼
Current assets
29/58€84k€36k▼
Amounts receivable within one year
40/41€3k€10k▲
Cash & bank
54/58€80k€24k▼
Total equity & liabilities
10/49€110k€55k▼
Equity
10/15€52k€20k▼
Contributions / capital
10/11€19k€19k=
Reserves
13€34k€1k▼
Accumulated profits (losses)
14-€76
Amounts payable
17/49€58k€35k▼
Amounts payable within one year
42/48€58k€35k▼
Trade debts payable within one year
44-€2k
Income statement
Code20242025
Gross operating margin
9900€122k€137k▲
Operating result
9901€116k€127k▲
Financial income
75€50€74▲
Financial charges
65€44k€78k▲
Result before taxes
9903€73k€49k▼
Income taxes
67/77€17k€12k▼
Net result for the period
9904€55k€37k▼
Result to be appropriated
9905€55k€37k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-12
Financial
Highest result since 2020net €69k ▲79.8%
Net result €69k, the highest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.06
Current ratio from 0.89 to 3.06; short-term debt falls from €43k to €21k.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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Of 82,137 companies in sector 70200 we hold annual accounts for 51,755. 29,946 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
68110Buying and selling of own real estate
68121Development of residential building projects
68122Development of non-residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
68321Property management for co-owned buildings (syndics)
70100Activities of head offices
73110Advertising agencies
82990Other business support services
85592Vocational training
85599Other education
86940Nursing and midwifery
86999Other human health activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-07-2026. Scores and ratios are computed by Checked and are not a credit decision.