Financials
- Fiscal year
- 2025
- Total assets
- €120,020
- Profit
- €72,978
- Solvency
- 78.8%
MRichard
ActiveSummary
MRichard has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94,610 and a net result of €72,978. The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Activity not known1 site
Size
€120,020total assets 2025
- Equity
- €94,610
- Profit
- €72,978
Turnover not published (abridged schema)
Structure
Accounts filed 27 days late0 of 1 deed read
Why 94- Founded in 2024+ Liquidity: current ratio 4.70, cash €119,298+ Size: total assets €120,020+ Equity €94,610 (78.8% of total assets)Show the evidence
Checked score
Score 2025
94
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 85% of its sector peers (no NACE code, micro)
Financial strength
Strong
Solvency
100
equity 78.8% of total assets
Liquidity
93
short-term debt 21.2% · cash 99.4%
Profitability
100
return on assets 60.8%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 2.4%
01-2026: 2.4%● unchanged vs 12-2025
02-2026: 2.5%▲ +0.1 percentage points vs 01-2026
03-2026: 3.0%▲ +0.5 percentage points vs 02-2026
04-2026: 3.1%▲ +0.1 percentage points vs 03-2026
05-2026: 3.3%▲ +0.2 percentage points vs 04-2026
06-2026: 3.6%▲ +0.3 percentage points vs 05-2026highest value
07-2026: 3.6%● unchanged vs 06-2026highest value
08-2026: 3.5%▼ -0.1 percentage points vs 07-2026
09-2026: 0.2%▼ -3.3 percentage points vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026
Credit up to €8,000 at 30 days only on tighter terms
Liquidity ample (current ratio 4.7; short-term debt: 21.2% and cash: 99.4% of total assets), and 21.2% of the assets are financed with debt.
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, 84% on liquidity and 90% on profitability.
The bankruptcy probability was computed on 07-10-2026 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).
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Signals
Five signals.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 filingDeviation from the deadline
2025
27 days late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 13-11-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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