RIVA INVEST
ActiveSummary
RIVA INVEST has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €87k. Equity is growing by ~22.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+21
Solvency28▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 1.82 in 2024; short-term debt: 51.7% and cash: 61.4% of total assets), but 97.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
2.8%
Return on assets
14.8%
Age of the figures
9 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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
28 d early
2023
19 d early
2022
28 d late
2021
20 d early
2020
22 d early
2019
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€16k
2024 · €-70k
2018: €-482k
2019: €-512k
2020: €-552k
2021: €-512k
2022: €-190k
2023: €-136k
2024: €-70k
2018 → 2025
Total assets
€586k▼ 46.7%
2024 · €1.10M
2018: €2.42M
2019: €2.45M
2020: €1.96M
2021: €1.85M
2022: €997k
2023: €1.08M
2024: €1.10M
2018 → 2025
Net result
€87k▲ 30.5%
2024 · €66k
2018: €-41k
2019: €-31k
2020: €-39k
2021: €40k
2022: €323k
2023: €53k
2024: €66k
2018 → 2025
Working capital
€283k▼ 43.0%
2024 · €497k
2018: €-481k
2019: €-511k
2020: €1.01M
2021: €1.05M
2022: €977k
2023: €1.03M
2024: €497k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-512k-€-190k▲ 63.0%€-136k▲ 28.1%€-70k▲ 48.6%€16k
Operating result€-28k-€331k€55k▼ 83.5%€67k▲ 23.5%€88k▲ 29.8%
Net result€40k-€323k▲ 716%€53k▼ 83.5%€66k▲ 24.7%€87k▲ 30.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 30% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €586k
Fixed assets
€250 =
Current assets
€586k ▼ 46.7%
Equity and liabilities €586k
Equity
€16k
Debt
€570k
Debt finances 97.2% of the balance-sheet total.
Key figures and ratios
Current ratio
1.93▲
2024 · 1.82
Quick ratio
1.70▲
2024 · 1.46
Debt to equity
34.54▲
2024 · -16.71
ROE
524.6%
ROA
14.8%▲
2024 · 6.0%
Debt ≤ 1 year
€303k▼
2024 · €604k
Debt > 1 year
€267k▼
2024 · €567k
Income taxes
€256
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 · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.10M€586k▼
Fixed assets21/28€250€250=
Financial fixed assets28€250€250=
Current assets29/58€1.10M€586k▼
Stocks and contracts in progress3€220k€71k▼
Stocks30/36€220k€71k▼
Amounts receivable within one year40/41€153k€155k▲
Trade receivables40€0€2k▲
Other amounts receivable41€153k€154k▲
Cash at bank and in hand54/58€727k€360k▼
Equity and liabilities
Total equity and liabilities10/49€1.10M€586k▼
Equity10/15€-70k€16k▲
Contributions10/11€19k€19k=
Reserves13€250€250=
Distributable reserves133€250€250=
Profit (loss) carried forward14€-89k€-2k▲
Amounts payable17/49€1.17M€570k▼
Amounts payable after more than one year17€567k€267k▼
Other amounts payable178/9€567k€267k▼
Amounts payable within one year42/48€604k€303k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Other amounts payable47/48€600k€300k▼
Accrued charges and deferred income492/3€63€35▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€69k€89k▲
Operating profit (loss)9901€67k€88k▲
Financial charges65/66B€1k€770▼
Recurring financial charges65€1k€770▼
Profit (loss) for the period before taxes9903€66k€87k▲
Income taxes67/77-€256
Profit (loss) for the period9904€66k€87k▲
Profit (loss) for the period to be appropriated9905€66k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-89k€-2k▲
Profit (loss) brought forward from the previous period14P€-155k€-89k▲
The notes to these accounts (9 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
31-12
Financial
Highest result since 2018net €323k ▲716%
Operating result €331k, net result €323k, both a record.
31-12
Financial
Liquidity times 21current ratio 49.60
Current ratio from 2.31 to 49.60; short-term debt falls from €799k to €20k.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €40k
Net result €40k after 3 loss-making years.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity doublescurrent ratio 2.06
Current ratio from 0.83 to 2.06; short-term debt falls from €2.96M to €955k.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Aalter
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.
Steenweg op Deinze 1229880 AalterGround area
7,757 m²
Building footprint
1,021 m²
Volume, LiDAR
4,740 m³
Parcel 44035A0482/00Z000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44035A0482/00Z000 | Flanders | 7,757 m² | 1 · 1,021 m² | 7.2 m · 1 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2009
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:boekhouding@vantornhaut.be