R & V
ActiveR & V has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €28k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 64% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.2 against 3.13 in 2024), and 39.9% 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
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
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
60.1%
Return on assets
29.6%
Age of the figures
8 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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
13 d early
2023
82 d early
2022
56 d early
2021
37 d early
2020
19 d late
2019
21 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€83k
EBIT margin
11.0%
Net result
€28k▲ 183%
2024 · €10k
2018: €6k
2019: €483
2020: €5k
2021: €6k
2022: €-6k
2023: €4k
2024: €10k
2018 → 2025
Working capital
€41k▲ 121%
2024 · €19k
2018: €8k
2019: €9k
2020: €15k
2021: €20k
2022: €11k
2023: €14k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€15k▼ 26.7%€19k▲ 23.6%€29k▲ 52.1%€56k▲ 97.0%
Operating result€8k-€-5k€5k€18k▲ 256%€46k▲ 156%
Net result€6k-€-6k€4k€10k▲ 173%€28k▲ 183%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 156% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€34k▲ 240%
Current assets
€60k▲ 118%
Equity and liabilities €94k
Equity
€56k▲ 97.0%
Debt
€37k▲ 325%
The debt ratio rises from 23.5% to 39.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€54k▲
2024 · €21k
Cash flow
€36k▲
2024 · €13k
Solvency
60.1%▼
2024 · 76.5%
Current ratio
3.20▲
2024 · 3.13
Quick ratio
3.20▲
2024 · 3.13
Debt / equity
0.66▲
2024 · 0.31
ROE
49.2%▲
2024 · 34.2%
ROA
29.6%▲
2024 · 26.2%
Interest coverage
49.90▼
2024 · 83.46
Debt
€37k▲
2024 · €9k
Debt ≤ 1 year
€19k▲
2024 · €9k
Debt > 1 year
€19k
Income taxes
€17k▲
2024 · €8k
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€37k€94k▲
Fixed assets21/28€10k€34k▲
Tangible fixed assets22/27€10k€34k▲
Plant, machinery and equipment23€5k€6k▲
Furniture and vehicles24€4k€27k▲
Current assets29/58€28k€60k▲
Amounts receivable within one year40/41€9k€18k▲
Trade receivables40€5k€14k▲
Other amounts receivable41€4k€4k▼
Cash at bank and in hand54/58€18k€41k▲
Deferred charges and accrued income490/1€884€1k▲
Equity and liabilities
Total equity and liabilities10/49€37k€94k▲
Equity10/15€29k€56k▲
Contributions10/11€6k€6k=
Reserves13€22k€50k▲
Distributable reserves133€22k€50k▲
Amounts payable17/49€9k€37k▲
Amounts payable after more than one year17-€19k
Financial debts170/4-€19k
Amounts payable within one year42/48€9k€19k▲
Current portion of amounts payable after more than one year42-€5k
Financial debts43€224€2k▲
Credit institutions430/8€224€2k▲
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€829€1k▲
Taxes450/3€829€1k▲
Other amounts payable47/48€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€8k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€22k€57k▲
Operating profit (loss)9901€18k€46k▲
Financial income75/76B€6€10▲
Recurring financial income75€6€10▲
Financial charges65/66B€247€1k▲
Recurring financial charges65€247€1k▲
Profit (loss) for the period before taxes9903€18k€45k▲
Income taxes67/77€8k€17k▲
Profit (loss) for the period9904€10k€28k▲
Profit (loss) for the period to be appropriated9905€10k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€28k▲
Transfer to equity691/2€10k€28k▲
To other reserves6921€10k€28k▲
The notes to these accounts (6 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €28k ▲183%
Operating result €46k, net result €28k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.95
Current ratio from 1.73 to 3.95; short-term debt falls from €15k to €5k.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-6k ▼201%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
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.
Directors · office · real estate
Directors
2 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, Bertem · 1 establishment unit since 2002
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.
Tervuursesteenweg 843060 BertemGround area
247 m²
Building footprint
91 m²
Volume, LiDAR
552 m³
Parcel 24009A0546/00F002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
R & V
since 20022.095.537.916
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24009A0546/00F002 | Flanders | 247 m² | 1 · 91 m² | 10.0 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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Etablissements Robert
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CHALEUR CONCEPT
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Of 6,991 companies in sector 43221 we hold annual accounts for 3,445. 2,966 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2002
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43350Other building finishing work
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0476626702