R.V.L.
ActiveSummary
R.V.L. has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €631k and a net result of €198k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 90% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+17
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 5.32 against 3.72 in 2023; short-term debt: 5.7% and cash: 12% of total assets), and 10.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2024Solvency, return and age of the figures
Solvency
89.1%
Return on assets
27.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
22 d early
2022
6 d early
2021
2 d early
2020
32 d early
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€631k▼ 24.2%
2023 · €833k
2018: €627k
2019: €621k
2020: €690k
2021: €695k
2022: €731k
2023: €833k
2018 → 2024
Total assets
€708k▼ 23.2%
2023 · €922k
2018: €825k
2019: €786k
2020: €876k
2021: €847k
2022: €818k
2023: €922k
2018 → 2024
Net result
€198k▲ 93.1%
2023 · €103k
2018: €-3k
2019: €-6k
2020: €7k
2021: €5k
2022: €36k
2023: €103k
2018 → 2024
Working capital
€173k▲ 27.9%
2023 · €135k
2018: €105k
2019: €110k
2020: €-89k
2021: €-69k
2022: €-9k
2023: €135k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€690k-€695k▲ 0.7%€731k▲ 5.2%€833k▲ 14.0%€631k▼ 24.2%
Operating result€9k-€10k▲ 18.2%€55k▲ 424%€153k▲ 179%€255k▲ 66.3%
Net result€7k-€5k▼ 31.4%€36k▲ 655%€103k▲ 185%€198k▲ 93.1%
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; 2024 is 66% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €708k
Fixed assets
€495k ▼ 32.8%
Current assets
€213k ▲ 15.2%
Equity and liabilities €708k
Equity
€631k ▼ 24.2%
Provisions
€37k ▼ 5.5%
Debt
€40k ▼ 19.5%
Debt's share of the balance-sheet total rises from 5.4% to 5.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€274k▲
2023 · €193k
Cash flow
€217k▲
2023 · €142k
Current ratio
5.32▲
2023 · 3.72
Debt to equity
0.06▲
2023 · 0.06
ROE
31.4%▲
2023 · 12.3%
ROA
27.9%▲
2023 · 11.1%
Interest coverage
1445.05▲
2023 · 131.88
Debt ≤ 1 year
€40k▼
2023 · €50k
Income taxes
€69k▲
2023 · €52k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 60 lines
Balance sheet
Code20232024
Assets
Total assets20/58€922k€708k▼
Fixed assets21/28€737k€495k▼
Tangible fixed assets22/27€737k€495k▼
Land and buildings22€730k€495k▼
Plant, machinery and equipment23€6k-
Financial fixed assets28€312€312=
Current assets29/58€185k€213k▲
Amounts receivable within one year40/41€7k€3k▼
Trade receivables40€7k€3k▼
Other amounts receivable41-€113
Current investments50/53€150k€125k▼
Cash at bank and in hand54/58€28k€85k▲
Deferred charges and accrued income490/1€218€226▲
Equity and liabilities
Total equity and liabilities10/49€922k€708k▼
Equity10/15€833k€631k▼
Contributions10/11€704k€304k▼
Capital10€704k€304k▼
Issued capital100€704k€304k▼
Revaluation surpluses12€99k€99k=
Reserves13€336k€331k▼
Non-distributable reserves130/1€195k€195k=
Legal reserve130€39k€39k=
Reserves not available under the articles1311€156k€156k=
Tax-exempt reserves132€81k€76k▼
Distributable reserves133€60k€60k=
Profit (loss) carried forward14€-306k€-103k▲
Provisions and deferred taxes16€39k€37k▼
Deferred taxes168€39k€37k▼
Amounts payable17/49€50k€40k▼
Amounts payable within one year42/48€50k€40k▼
Current portion of amounts payable after more than one year42€9k€1▼
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€33k€35k▲
Taxes450/3€33k€35k▲
Other amounts payable47/48€166-
Income statement
Code20232024
Non-recurring operating income76A€138k€222k▲
Remuneration, social security and pensions62€23-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€19k▼
Other operating charges640/8€25k€20k▼
Gross operating margin9900€218k€294k▲
Operating profit (loss)9901€153k€255k▲
Financial income75/76B€830€10k▲
Recurring financial income75€830€2k▲
Non-recurring financial income76B-€8k
Financial charges65/66B€1k€190▼
Recurring financial charges65€1k€190▼
Profit (loss) for the period before taxes9903€153k€265k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€52k€69k▲
Profit (loss) for the period9904€103k€198k▲
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€107k€202k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-199k€-103k▲
Profit (loss) brought forward from the previous period14P€-306k€-306k=
Transfer from equity791/2-€400k
Transfer to equity691/2€107k-
To other reserves6921€107k-
Profit to be distributed694/7-€400k
Other beneficiaries697-€400k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €198k ▲93.1%
Operating result €255k, net result €198k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 5current ratio 3.72
Current ratio from 0.80 to 3.72.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
21-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Tongeren-Borgloon · 1 establishment unit since 1989
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.
Vermeulenstraat 33700 Tongeren-BorgloonGround area
2,450 m²
Building footprint
360 m²
Volume, LiDAR
3,549 m³
Parcel 73083C0009/00H000, Flanders · tallest building 14.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ROMMENS VERZEKERT LEENT
since 19892.042.004.606
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73083C0009/00H000 | Flanders | 2,450 m² | 1 · 360 m² | 14.9 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 58,899 EUR awarded · 27,067 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 31,832 EUR | 27,067 EUR |
| 2024 | 1 | 27,067 EUR | 0 EUR |
Schemes
Erfgoedpremie voor beschermde monumenten en landschappen - standaardprocedure
Similar companies · same sector, comparable size
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BELGISCHE VENNOOTSCHAP ONROEREND GOED
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IMMO GARRE-FERYN
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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 5,012 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-01-1989
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationGeneral meeting
Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. Divers. (AOPC-1-9-02493/14.05)