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8RFin

Active
Private limited companyfounded 20241 yr activeSt.-Kristoffelstraat 4D, 2440 Geel, BelgiumKBO/BCE: BE 1014.435.007
Summary

8RFin has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22,471 and a net result of €19,971. Its solvency ranks better than 21% of 790 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2025
Axes
Profitability79
Solvency34
Growth-
Track record67
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.08; short-term debt: 90.9% and cash: 33.9% of total assets), and 90.9% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Employment activities (NACE 78)
about 17% fewer bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
9.1%
Return on assets
8.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 790 sector peers (2025).
NBB · sector comparison
Position among 790 sector peers
Solvency
better than 21%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 1 filing
Deviation from the deadline
2025
19 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

8RFin was incorporated on 1 October 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€22,471
Total assets
€247,759
Net result
€19,971
Working capital
€16,907

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €247,759
Fixed assets €5,563
Current assets €242,196
Equity and liabilities €247,759
Equity €22,471
Debt €225,288
Debt finances 90.9% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€39,010
Cash flow
€20,359
Current ratio
1.08
Debt to equity
10.03
ROE
88.9%
ROA
8.1%
Interest coverage
7.04
Debt ≤ 1 year
€225,288
Income taxes
€14,926
Staff costs
€446,891

Peer companies

Historical observation

Of the 320 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
0.6% went bankrupt
2.5% stopped otherwise
97% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 320 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 41 lines
Balance sheet Code2025
Assets
Total assets20/58€247,759
Fixed assets21/28€5,563
Tangible fixed assets22/27€4,943
Furniture and vehicles24€4,943
Financial fixed assets28€620
Current assets29/58€242,196
Amounts receivable within one year40/41€137,858
Trade receivables40€104,121
Other amounts receivable41€33,737
Cash at bank and in hand54/58€84,069
Deferred charges and accrued income490/1€20,269
Equity and liabilities
Total equity and liabilities10/49€247,759
Equity10/15€22,471
Contributions10/11€2,500
Reserves13€19,971
Distributable reserves133€19,971
Amounts payable17/49€225,288
Amounts payable within one year42/48€225,288
Financial debts43€73,669
Credit institutions430/8€73,669
Trade debts44€43,065
Suppliers440/4€43,065
Taxes, remuneration and social security45€108,554
Taxes450/3€38,089
Remuneration and social security454/9€70,465
Income statement Code2025
Remuneration, social security and pensions62€446,891
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€388
Other operating charges640/8€1,229
Gross operating margin9900€487,130
Operating profit (loss)9901€38,622
Financial income75/76B€1,820
Recurring financial income75€1,820
Financial charges65/66B€5,545
Recurring financial charges65€5,545
Profit (loss) for the period before taxes9903€34,897
Income taxes67/77€14,926
Profit (loss) for the period9904€19,971
Profit (loss) for the period to be appropriated9905€19,971
Appropriation of the result
Profit (loss) to be appropriated9906€19,971
Transfer to equity691/2€19,971
To other reserves6921€19,971

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€446,891
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€388
Other operating charges640/8€1,229
Gross operating margin9900€487,130
Operating profit (loss)9901€38,622
Financial income75/76B€1,820
Recurring financial income75€1,820
Financial charges65/66B€5,545
Recurring financial charges65€5,545
Profit (loss) for the period before taxes9903€34,897
Income taxes67/77€14,926
Profit (loss) for the period9904€19,971
Profit (loss) for the period to be appropriated9905€19,971
Line2025
Assets
Total assets20/58€247,759
Fixed assets21/28€5,563
Tangible fixed assets22/27€4,943
Furniture and vehicles24€4,943
Financial fixed assets28€620
Current assets29/58€242,196
Amounts receivable within one year40/41€137,858
Trade receivables40€104,121
Other amounts receivable41€33,737
Cash at bank and in hand54/58€84,069
Deferred charges and accrued income490/1€20,269
Equity and liabilities
Total equity and liabilities10/49€247,759
Equity10/15€22,471
Contributions10/11€2,500
Reserves13€19,971
Distributable reserves133€19,971
Amounts payable17/49€225,288
Amounts payable within one year42/48€225,288
Financial debts43€73,669
Credit institutions430/8€73,669
Trade debts44€43,065
Suppliers440/4€43,065
Taxes, remuneration and social security45€108,554
Taxes450/3€38,089
Remuneration and social security454/9€70,465
Line2025
Profit (loss) for the period9904€19,971
+ Depreciation and write-downs630€388
Operating cash flow (approximation)€20,359

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
19-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 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

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, Geel · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
2,824 m²
Building footprint
156 m²
Volume, LiDAR
47 m³
Parcel 13373L0285/00T000, Flanders · tallest building 7.9 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
8RFin
St.-Kristoffelstraat 4D, 2440 GeelFinancial service activities, except insurance and pension funding
since 20242.365.584.530
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13373L0285/00T000 Flanders 2,824 m² 1 · 156 m² 7.9 m
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 428 EUR awarded · 428 EUR paid
Year Entries awardedpaid
2025 1 428 EUR428 EUR
Schemes
1 entry · 428 EUR · 428 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 2,360 companies in sector 78100 we hold annual accounts for 1,364. 895 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded01-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
78100Employment placement agencies
70100Activities of head offices
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1014435007
Also 9925:BE1014435007
Registered 30-04-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.