Financials
- Financial year
- 2025
- Total assets
- €593,130
- Profit
- €171,294
- Solvency
- 78.8%
Total assets▲ 28.1%
Net result
20192025
IMMO RAYNAL CHERKAOUI
ActiveSummary
IMMO RAYNAL CHERKAOUI has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €467,371 and a net result of €171,294, of which €193,032 non-recurring income. Equity is shrinking by about 3.9% per year across the filed financial years. The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Activity
Activity not known1 site
Size
≈ €150,000turnover 2025, estimated
- Equity
- €467,371
- Profit
- €171,294
Turnover estimated from the gross margin
Why 98lowers riskSize: total assets €593,130Liquidity: current ratio 1.43, cash €168,038Equity €467,371 (78.8% of total assets)Figures for financial year 2025 (filed 02-02-2026)Show the evidence
Checked score
Score 2025
98
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 83% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Strong
Solvency
100+11
equity 78.8% of total assets
Liquidity
78+42
short-term debt 21.2% · cash 28.3%
Profitability
100+31
return on assets 28.9%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.1%
12-2024: 0.2%▲ +0.1 percentage points vs 11-2024
01-2025: 0.3%▲ +0.1 percentage points vs 12-2024
02-2025: 0.1%▼ -0.2 percentage points vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.2%▲ +0.1 percentage points vs 11-2025
01-2026: 0.3%▲ +0.1 percentage points vs 12-2025
02-2026: 0.4%▲ +0.1 percentage points vs 01-2026highest value
03-2026: < 0.1%▼ -0.4 percentage points vs 02-2026lowest value
04-2026: < 0.1%● unchanged vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €45,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.43, compared with 0.05 in 2024, below the usual 1.5; short-term debt: 21.2% and cash: 28.3% of total assets), and 21.2% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 81% on solvency, 72% on liquidity, 90% on profitability and 88% on growth.
The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Six signals.
lowers riskneutral
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 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €467,371
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
2 days late
2024
1 day early
2023
34 days early
2022
26 days early
2021
16 days late
2020
9 days late
2019
20 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 2 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 30 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end29-10-2026 today31-01-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €171,294
- Liquidity more than 29 timescurrent ratio 1.43
Key points
By topic
Board & ownership
- Board
- 1 member
- Pierre RAYNALDirector
Timeline
- Events
- 29
- Since
- 2002
- Next accounts
- by 31-01-2027
- 30-01-2025Annual accounts filed
- 28-12-2023Annual accounts filed
- 08-12-2023Resignation: Pierre RAYNAL (statutory manager)
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 26-07-2000
- Year ends
- 30-06
- Peppol
- Not found in the Peppol directory
Articles of association
- Provisions read
- 18
- Annual meeting
- 15 December at 19:00
Key facts about IMMO RAYNAL CHERKAOUI
- What is the company number of IMMO RAYNAL CHERKAOUI?
- 0472.486.901. In Belgium the VAT number is the company number with BE in front: BE 0472.486.901.
- Where is IMMO RAYNAL CHERKAOUI based?
- The registered office is at Rue des Argentines 8, 6110 Montigny-le-Tilleul.Company details
- What is the legal form of IMMO RAYNAL CHERKAOUI?
- Private limited company (BV).
- When was IMMO RAYNAL CHERKAOUI founded?
- On 26-07-2000.
- Is IMMO RAYNAL CHERKAOUI still active?
- Yes, IMMO RAYNAL CHERKAOUI is an active enterprise in the KBO register.
- What is the turnover of IMMO RAYNAL CHERKAOUI?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
- Is IMMO RAYNAL CHERKAOUI profitable?
- In financial year 2025, IMMO RAYNAL CHERKAOUI made a profit of €171,294.
- Where can I find the annual accounts of IMMO RAYNAL CHERKAOUI?
- IMMO RAYNAL CHERKAOUI filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of IMMO RAYNAL CHERKAOUI due?
- By 31-01-2027, for financial year 2026.Timeline
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.