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COLLINGE - RICHY

Active
Private limited companyfounded 199234 yrs activeAvenue Ch. et L. Godin 5, 4500 Huy, BelgiumKBO/BCE: BE 0447.623.623
Summary

COLLINGE - RICHY has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €254,155 and a net result of €258,436. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 54% of 9294 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100=
Solvency61▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.66 in 2024; short-term debt: 50.1% and cash: 50.8% of total assets), but 64% of the assets are financed with debt.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 34 years 0 40 y
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
36%
Return on assets
36.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €254,155
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
16 d early
2024
20 d early
2023
44 d early
2022
20 d early
2021
38 d early
2020
51 d early
2019
35 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 22 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
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

COLLINGE - RICHY was incorporated on 11 June 1992.1 Total assets rose from EUR 310,419 in 2018 to EUR 706,178 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, abbreviated schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€258,436▼ 1.7%
2024 · €262,943
Working capital
€204,897▲ 5.2%
2024 · €194,802
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€394,746▲ 117%€160,654▼ 59.3%€172,185▲ 7.2%€362,307▲ 110%€366,526▲ 1.2%
Net result€295,023▲ 132%€118,147▼ 60.0%€124,222▲ 5.1%€262,943▲ 112%€258,436▼ 1.7%
Equity€246,591▼ 2.0%€164,738▼ 33.2%€188,960▲ 14.7%€251,903▲ 33.3%€254,155▲ 0.9%
Total assets€799,357▲ 71.6%€597,462▼ 25.3%€482,007▼ 19.3%€664,743▲ 37.9%€706,178▲ 6.2%
Debt€552,766▲ 158%€432,725▼ 21.7%€293,047▼ 32.3%€412,840▲ 40.9%€452,023▲ 9.5%
Working capital€236,673▲ 23.4%€128,118▼ 45.9%€157,301▲ 22.8%€194,802▲ 23.8%€204,897▲ 5.2%
Staff (FTE)0.8
Why a figure moved sharply
  • 2022 Net result -60% on 2021. The accounts now follow the full schema, last year the micro schema.
  • 2021 Net result +132% on 2020. The accounts now follow the micro schema, last year the full schema.
Result per fiscal year
Operating resultNet result
€0€100,000€200,000€300,000€400,000Operating result 2021: €394,746€394,746Net result 2021: €295,023€295,023Operating result 2022: €160,654€160,654Net result 2022: €118,147€118,147Operating result 2023: €172,185€172,185Net result 2023: €124,222€124,222Operating result 2024: €362,307€362,307Net result 2024: €262,943€262,943Operating result 2025: €366,526€366,526Net result 2025: €258,436€258,43620212022202320242025€0€100,000€200,000€300,000€400,000Operating result 2023: €172,185€172,000Net result 2023: €124,222€124,000Operating result 2024: €362,307€362,000Net result 2024: €262,943€263,000Operating result 2025: €366,526€367,000Net result 2025: €258,436€258,000202320242025
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €706,178
Fixed assets €147,474 ▼ 14.9%
Current assets €558,704 ▲ 13.7%
Equity and liabilities €706,178
Equity €254,155 ▲ 0.9%
Debt €452,023 ▲ 9.5%
Debt's share of the balance-sheet total rises from 62.1% to 64.0%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€392,442▲
2024 · €387,817
Cash flow
€284,351▼
2024 · €288,453
Current ratio
1.58▼
2024 · 1.66
Debt to equity
1.78▲
2024 · 1.64
ROE
101.7%▼
2024 · 104.4%
ROA
36.6%▼
2024 · 39.6%
Interest coverage
18.77▼
2024 · 46.56
Debt ≤ 1 year
€353,808▲
2024 · €296,552
Debt > 1 year
€92,731▼
2024 · €111,039
Income taxes
€91,394▼
2024 · €94,827
Staff costs
€41,222
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.4% went bankrupt
5.9% stopped otherwise
93% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.2% 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 31,324 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 against 2024 · 56 lines
Balance sheet Code20242025
Assets
Total assets20/58€664,743€706,178▲
Fixed assets21/28€173,389€147,474▼
Intangible fixed assets21€30,110€26,807▼
Tangible fixed assets22/27€143,279€120,667▼
Furniture and vehicles24€5,949€3,296▼
Leasing and similar rights25€137,330€117,371▼
Current assets29/58€491,354€558,704▲
Amounts receivable after more than one year29€86,595€88,326▲
Other amounts receivable291€86,595€88,326▲
Amounts receivable within one year40/41€44,020€19,699▼
Other amounts receivable41€44,020€19,699▼
Cash at bank and in hand54/58€272,864€358,877▲
Deferred charges and accrued income490/1€87,875€91,802▲
Equity and liabilities
Total equity and liabilities10/49€664,743€706,178▲
Equity10/15€251,903€254,155▲
Contributions10/11€20,592€20,592=
Reserves13€2,479€4,731▲
Non-distributable reserves130/1€2,479€2,479=
Reserves not available under the articles1311€2,479€2,479=
Distributable reserves133-€2,252
Profit (loss) carried forward14€228,832€228,832=
Amounts payable17/49€412,840€452,023▲
Amounts payable after more than one year17€111,039€92,731▼
Financial debts170/4€111,039€92,731▼
Amounts payable within one year42/48€296,552€353,808▲
Current portion of amounts payable after more than one year42€18,125€18,308▲
Financial debts43€45,258€40,196▼
Credit institutions430/8€45,258€40,196▼
Trade debts44€33,130€31,950▼
Suppliers440/4€33,130€31,950▼
Taxes, remuneration and social security45-€6,861
Taxes450/3-€634
Remuneration and social security454/9-€6,226
Other amounts payable47/48€200,039€256,493▲
Accrued charges and deferred income492/3€5,248€5,484▲
Income statement Code20242025
Remuneration, social security and pensions62-€41,222
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25,510€25,915▲
Other operating charges640/8€2,001€2,396▲
Gross operating margin9900€389,818€436,060▲
Operating profit (loss)9901€362,307€366,526▲
Financial income75/76B€3,793€4,209▲
Recurring financial income75€3,793€4,209▲
Financial charges65/66B€8,329€20,905▲
Recurring financial charges65€8,329€20,905▲
Profit (loss) for the period before taxes9903€357,771€349,831▼
Income taxes67/77€94,827€91,394▼
Profit (loss) for the period9904€262,943€258,436▼
Profit (loss) for the period to be appropriated9905€262,943€258,436▼
Appropriation of the result
Profit (loss) to be appropriated9906€428,832€487,268▲
Profit (loss) brought forward from the previous period14P€165,889€228,832▲
Transfer to equity691/2-€2,252
To other reserves6921-€2,252
Profit to be distributed694/7€200,000€256,185▲
Return on contributions (dividend)694€200,000€250,000▲
Employees696-€6,185
Social balance
Average headcount (FTE)9087-0.8

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A€224,465-----
Remuneration, social security and pensions62----€41,222-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,705€23,667€23,081€25,510€25,915▲ 1.6%
Other operating charges640/8€804€2,244€2,366€2,001€2,396▲ 19.8%
Gross operating margin9900€400,255€186,565€197,631€389,818€436,060▲ 11.9%
Operating profit (loss)9901€394,746€160,654€172,185€362,307€366,526▲ 1.2%
Financial income75/76B€1,602€1,659€4,564€3,793€4,209▲ 11.0%
Recurring financial income75€1,602€1,659€4,564€3,793€4,209▲ 11.0%
Financial charges65/66B€8,044€3,633€5,075€8,329€20,905▲ 151%
Recurring financial charges65€8,044€3,633€5,075€8,329€20,905▲ 151%
Profit (loss) for the period before taxes9903€388,304€158,680€171,674€357,771€349,831▼ 2.2%
Income taxes67/77€93,282€40,533€47,451€94,827€91,394▼ 3.6%
Profit (loss) for the period9904€295,023€118,147€124,222€262,943€258,436▼ 1.7%
Profit (loss) for the period to be appropriated9905€295,023€118,147€124,222€262,943€258,436▼ 1.7%
Line20212022202320242025Change
Assets
Total assets20/58€799,357€597,462€482,007€664,743€706,178▲ 6.2%
Fixed assets21/28€164,849€187,986€164,905€173,389€147,474▼ 14.9%
Intangible fixed assets21---€30,110€26,807▼ 11.0%
Tangible fixed assets22/27€164,849€187,986€164,905€143,279€120,667▼ 15.8%
Furniture and vehicles24€5,799€10,738€7,616€5,949€3,296▼ 44.6%
Leasing and similar rights25€159,050€177,248€157,289€137,330€117,371▼ 14.5%
Current assets29/58€634,508€409,477€317,102€491,354€558,704▲ 13.7%
Amounts receivable after more than one year29€81,600€83,232€84,897€86,595€88,326▲ 2.0%
Other amounts receivable291€81,600€83,232€84,897€86,595€88,326▲ 2.0%
Amounts receivable within one year40/41-€8,768€3,088€44,020€19,699▼ 55.2%
Other amounts receivable41-€8,768€3,088€44,020€19,699▼ 55.2%
Cash at bank and in hand54/58€501,791€271,191€153,438€272,864€358,877▲ 31.5%
Deferred charges and accrued income490/1€51,117€46,286€75,679€87,875€91,802▲ 4.5%
Equity and liabilities
Total equity and liabilities10/49€799,357€597,462€482,007€664,743€706,178▲ 6.2%
Equity10/15€246,591€164,738€188,960€251,903€254,155▲ 0.9%
Contributions10/11€20,592€20,592€20,592€20,592€20,592=
Reserves13€2,479€2,479€2,479€2,479€4,731▲ 90.8%
Non-distributable reserves130/1€2,479€2,479€2,479€2,479€2,479=
Reserves not available under the articles1311€2,479€2,479€2,479€2,479€2,479=
Distributable reserves133----€2,252-
Profit (loss) carried forward14€223,520€141,667€165,889€228,832€228,832=
Amounts payable17/49€552,766€432,725€293,047€412,840€452,023▲ 9.5%
Amounts payable after more than one year17€145,254€147,109€129,164€111,039€92,731▼ 16.5%
Financial debts170/4€145,254€147,109€129,164€111,039€92,731▼ 16.5%
Amounts payable within one year42/48€397,835€281,359€159,800€296,552€353,808▲ 19.3%
Current portion of amounts payable after more than one year42€19,046€17,765€17,944€18,125€18,308▲ 1.0%
Financial debts43€16,746€16,730€16,852€45,258€40,196▼ 11.2%
Credit institutions430/8€16,746€16,730€16,852€45,258€40,196▼ 11.2%
Trade debts44€40,751€26,637€23,259€33,130€31,950▼ 3.6%
Suppliers440/4€40,751€26,637€23,259€33,130€31,950▼ 3.6%
Taxes, remuneration and social security45€13,282€12,582--€6,861-
Taxes450/3€13,282€12,582--€634-
Remuneration and social security454/9----€6,226-
Other amounts payable47/48€308,010€207,644€101,745€200,039€256,493▲ 28.2%
Accrued charges and deferred income492/3€9,677€4,257€4,082€5,248€5,484▲ 4.5%
Line20212022202320242025Change
Profit (loss) for the period9904€295,023€118,147€124,222€262,943€258,436▼ 1.7%
+ Depreciation and write-downs630€4,705€23,667€23,081€25,510€25,915▲ 1.6%
Operating cash flow (approximation)€299,728€141,813€147,303€288,453€284,351▼ 1.4%
Investment in fixed assets (approximation)--€46,803€0-€33,994€0▲ 100%
Change in cash--€230,600-€117,752€119,425€86,013▼ 28.0%

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

Next filing, fiscal year 2026, expected by 31-07-2027
2026
15-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-07
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial Equity above €200,000Eq €251,903 ▲33.3%
7 profitable years in a row build equity to €251,903.
17-06
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
11-07
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
23-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial Highest result since 2018net €295,023 ▲132%
Operating result €394,746, net result €295,023, both a record.
10-06
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
04-09
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
31-12
Financial Equity above €200,000Eq €224,591 ▲54.9%
2 profitable years in a row build equity to €224,591.
06-06
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
30-05
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts

We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
9 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, Huy · 1 establishment unit since 1992
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.

Avenue Ch. et L. Godin 54500 Huy
1 establishment unit
Avenue Ch. et L. Godin 5, 4500 Huy
NACE 6523601
since 19922.058.124.224

Structure & network

Owners and holdings

1 owner

Chain of control

  1. HUYFIN 100%
  2. COLLINGE - RICHY

Highest known parent: HUYFIN. The sources do not say who stands above it.

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Recognitions · licences · registrations

Legal Entity Identifier

9676009LW5QM3G2Q8802
no longer live in the LEI register

Similar companies · same sector, comparable size

Of 11,756 companies in sector 68310 we hold annual accounts for 6,907. 5,082 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
Founded11-06-1992
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0447623623
Also 9925:BE0447623623
Registered 20-11-2025

Register as of 27 September 2026 · Peppol Directory

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