RIVAS
ActiveRIVAS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €21k. Equity is shrinking by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+1
Solvency87▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.55 against 9.88 in 2024; short-term debt: 38% and cash: 90.5% of total assets), and 38% 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○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 · 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
62%
Return on assets
10.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-12-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
27 d late
2023
560 d late
2022
48 d late
2021
25 d late
2020
21 d late
2019
16 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▼ 27.8%
2024 · €176k
2019: €317k
2020: €153k
2021: €161k
2022: €161k
2023: €167k
2024: €176k
2019 → 2025
Total assets
€205k▲ 5.6%
2024 · €195k
2019: €356k
2020: €216k
2021: €178k
2022: €182k
2023: €185k
2024: €195k
2019 → 2025
Net result
€21k▲ 10.1%
2024 · €19k
2019: €48k
2020: €46k
2021: €20k
2022: €17k
2023: €6k
2024: €19k
2019 → 2025
Working capital
€121k▼ 25.5%
2024 · €162k
2019: €310k
2020: €148k
2021: €121k
2022: €131k
2023: €142k
2024: €162k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€161k-€161k▲ 0.3%€167k▲ 3.5%€176k▲ 5.4%€127k▼ 27.8%
Operating result€25k-€18k▼ 26.2%€9k▼ 52.1%€23k▲ 160%€23k▲ 2.9%
Net result€20k-€17k▼ 14.7%€6k▼ 67.2%€19k▲ 233%€21k▲ 10.1%
Turnover and EBIT margin not published: the micro 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 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€7k▼ 53.9%
Current assets
€199k▲ 10.3%
Equity and liabilities €205k
Equity
€127k▼ 27.8%
Debt
€78k▲ 328%
The debt ratio rises from 9.4% to 38.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€34k▲
2024 · €34k
Cash flow
€32k▲
2024 · €30k
Solvency
62.0%▼
2024 · 90.6%
Current ratio
2.55▼
2024 · 9.88
Quick ratio
2.55▼
2024 · 9.88
Debt / equity
0.61▲
2024 · 0.10
ROE
16.5%▲
2024 · 10.8%
ROA
10.2%▲
2024 · 9.8%
Interest coverage
318.27▲
2024 · 102.42
Debt
€78k▲
2024 · €18k
Debt ≤ 1 year
€78k▲
2024 · €18k
Income taxes
€3k▼
2024 · €4k
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€195k€205k▲
Fixed assets21/28€14k€7k▼
Tangible fixed assets22/27€14k€7k▼
Land and buildings22€755€397▼
Furniture and vehicles24€14k€6k▼
Current assets29/58€180k€199k▲
Amounts receivable within one year40/41€15k€13k▼
Trade receivables40€14k€11k▼
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€164k€186k▲
Deferred charges and accrued income490/1€509€437▼
Equity and liabilities
Total equity and liabilities10/49€195k€205k▲
Equity10/15€176k€127k▼
Contributions10/11€12k€12k=
Reserves13€95k€46k▼
Non-distributable reserves130/1€95k€46k▼
Reserves not available under the articles1311€20k€20k=
Other1319€76k€27k▼
Profit (loss) carried forward14€69k€69k=
Amounts payable17/49€18k€78k▲
Amounts payable within one year42/48€18k€78k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€5k€1k▼
Taxes450/3€5k€1k▼
Other amounts payable47/48€11k€75k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€648€694▲
Gross operating margin9900€34k€35k▲
Operating profit (loss)9901€23k€23k▲
Financial income75/76B€350€783▲
Recurring financial income75€350€783▲
Financial charges65/66B€327€107▼
Recurring financial charges65€327€107▼
Profit (loss) for the period before taxes9903€23k€24k▲
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€19k€21k▲
Profit (loss) for the period to be appropriated9905€19k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€90k▲
Profit (loss) brought forward from the previous period14P€66k€69k▲
Transfer from equity791/2-€56k
Transfer to equity691/2€7k€7k=
To other reserves6921€7k€7k=
Profit to be distributed694/7€10k€70k▲
Return on contributions (dividend)694-€56k
Directors or managers695€10k€14k▲
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
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 560 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2023
30-06
Financial
Weakest financial yearnet €6k ▼67.2%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 48 days late
2022
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
30-06
Financial
Liquidity doublescurrent ratio 8.24
Current ratio from 3.35 to 8.24; short-term debt falls from €63k to €17k.
21-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 21 days late
2020
16-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 16 days late
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 104 days late
15-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 469 days late
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, Tervuren
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.
Jan Van Boendalelaan 133080 TervurenGround area
1,302 m²
Building footprint
176 m²
Volume, LiDAR
1,129 m³
Parcel 24302G0041/00E006, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302G0041/00E006 | Flanders | 1,302 m² | 1 · 176 m² | 8.9 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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INTOUCH
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SiCas Invest
BE 0476.996.015
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PeARL Consulting bvba
BE 0701.902.787
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Stelvio Real Estate
BE 0441.779.669
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HORSAVI
BE 0811.849.319
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,854 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-04-2007
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
70100Activities of head offices
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.