BANDEN RAYMACKERS
ActiveSummary
BANDEN RAYMACKERS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €478k and a net result of €85k. Equity is growing by ~43.5% per year across the filed fiscal years. Its solvency ranks better than 33% of 993 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▼-8
Solvency56▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.3 in 2023; short-term debt: 50.9% and cash: 5.2% of total assets), but 69.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 95
Relative position
BE, all sectors
reference
Sector 95
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
2 d early
2022
3 d early
2021
31 d late
2020
37 d early
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€478k▲ 21.6%
2023 · €393k
2018: €58k
2019: €46k
2020: €49k
2021: €196k
2022: €330k
2023: €393k
2018 → 2024
Total assets
€1.56M▲ 6.3%
2023 · €1.47M
2018: €782k
2019: €761k
2020: €1.13M
2021: €1.48M
2022: €1.48M
2023: €1.47M
2018 → 2024
Net result
€85k▲ 33.5%
2023 · €64k
2018: €11k
2019: €-12k
2020: €3k
2021: €147k
2022: €134k
2023: €64k
2018 → 2024
Working capital
€447k▲ 39.6%
2023 · €320k
2018: €30k
2019: €25k
2020: €-57k
2021: €119k
2022: €263k
2023: €320k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€49k-€196k▲ 299%€330k▲ 68.5%€393k▲ 19.3%€478k▲ 21.6%
Operating result€35k-€218k▲ 526%€274k▲ 25.5%€110k▼ 59.9%€134k▲ 22.0%
Net result€3k-€147k▲ 4,178%€134k▼ 8.6%€64k▼ 52.5%€85k▲ 33.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 22% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.56M
Fixed assets
€320k ▲ 306%
Current assets
€1.24M ▼ 10.7%
Equity and liabilities €1.56M
Equity
€478k ▲ 21.6%
Debt
€1.08M ▲ 0.7%
Debt's share of the balance-sheet total falls from 73.2% to 69.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€177k▲
2023 · €133k
Cash flow
€129k▲
2023 · €87k
Current ratio
1.56▲
2023 · 1.30
Quick ratio
0.73▲
2023 · 0.70
Debt to equity
2.27▼
2023 · 2.74
ROE
17.8%▲
2023 · 16.2%
ROA
5.4%▲
2023 · 4.3%
Interest coverage
3.90▼
2023 · 4.99
Debt ≤ 1 year
€796k▼
2023 · €1.07M
Debt > 1 year
€266k▲
2023 · €2k
Income taxes
€37k▲
2023 · €36k
Staff costs
€271k▲
2023 · €235k
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€1.47M€1.56M▲
Fixed assets21/28€79k€320k▲
Tangible fixed assets22/27€76k€317k▲
Plant, machinery and equipment23€33k€26k▼
Furniture and vehicles24€9k€36k▲
Leasing and similar rights25€14k€191k▲
Other tangible fixed assets26€20k€64k▲
Financial fixed assets28€3k€3k=
Current assets29/58€1.39M€1.24M▼
Amounts receivable after more than one year29€8k€3k▼
Other amounts receivable291€8k€3k▼
Stocks and contracts in progress3€644k€665k▲
Stocks30/36€644k€665k▲
Amounts receivable within one year40/41€638k€480k▼
Trade receivables40€635k€477k▼
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€84k€82k▼
Deferred charges and accrued income490/1€17k€13k▼
Equity and liabilities
Total equity and liabilities10/49€1.47M€1.56M▲
Equity10/15€393k€478k▲
Contributions10/11€20k€20k=
Reserves13€373k€458k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€371k€456k▲
Profit (loss) carried forward14€27€29▲
Amounts payable17/49€1.08M€1.08M▲
Amounts payable after more than one year17€2k€266k▲
Financial debts170/4€2k€266k▲
Amounts payable within one year42/48€1.07M€796k▼
Current portion of amounts payable after more than one year42€13k€25k▲
Financial debts43€206k€71k▼
Credit institutions430/8€206k€71k▼
Trade debts44€534k€485k▼
Suppliers440/4€534k€485k▼
Taxes, remuneration and social security45€150k€117k▼
Taxes450/3€108k€68k▼
Remuneration and social security454/9€42k€49k▲
Other amounts payable47/48€167k€98k▼
Accrued charges and deferred income492/3€4k€23k▲
Income statement
Code20232024
Non-recurring operating income76A-€20k
Remuneration, social security and pensions62€235k€271k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€44k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-36k€-516▲
Other operating charges640/8€5k€7k▲
Gross operating margin9900€336k€455k▲
Operating profit (loss)9901€110k€134k▲
Financial income75/76B€17k€34k▲
Recurring financial income75€17k€34k▲
Financial charges65/66B€27k€46k▲
Recurring financial charges65€27k€46k▲
Profit (loss) for the period before taxes9903€100k€122k▲
Income taxes67/77€36k€37k▲
Profit (loss) for the period9904€64k€85k▲
Profit (loss) for the period to be appropriated9905€64k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€85k▲
Profit (loss) brought forward from the previous period14P€5€27▲
Transfer to equity691/2€64k€85k▲
To other reserves6921€64k€85k▲
Social balance
Average headcount (FTE)90877.78.7▲
The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €330k ▲68.5%
3 profitable years in a row build equity to €330k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €147k ▲4178%
Net result €147k, the highest in the series.
31-12
Financial
Equity above €150kEq €196k ▲299%
2 profitable years in a row build equity to €196k.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €-12k ▼207%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Show earlier events
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 26 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, Sint-Truiden · 1 establishment unit since 2013
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.
Stippelstraat 553800 Sint-TruidenGround area
4,543 m²
Building footprint
261 m²
Volume, LiDAR
1,657 m³
Parcel 71064A0292/00G000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Banden Raymackers
since 20132.219.975.949
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71064A0292/00G000 | Flanders | 4,543 m² | 1 · 261 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 27,500 EUR awarded · 27,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2024 | 2 | 0 EUR | 24,000 EUR |
| 2023 | 2 | 25,000 EUR | 1,000 EUR |
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Subsidie vergroening mobiliteit - omschakeling naar zero-emissie en alternatieve brandstoffen
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
6 live approvals · 2 endedAutotechnieken duaal (so)
Bandenmonteur (vwo)
Bandenmonteur duaal (so)
Onderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (vwo)
Onderhoudsmechanica auto duaal (so)
Polyvalent mecanicien personenwagens en lichte bedrijfsvoertuigen duaal (so)
Show 2 ended approvals
Onderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (so)
Polyvalent mecanicien personenwagens en lichte bedrijfsvoertuigen (so)
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Of 1,000 companies in sector 95315 we hold annual accounts for 427. 261 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 formPrivate limited company
Founded29-05-2013
Fiscal year end31-12
Activities, NACEBEL 2025
95315Tyre services
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95319Other maintenance and repair of motor vehicles
47820Retail sale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.