R.C. TRADING
ActiveThe computed 12-month bankruptcy probability of R.C. TRADING is 2.7% (moderate). The 2025 annual accounts show equity of €63k and a net result of €-5k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 26% of 27451 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-41
Solvency49▲+1
Growth52=
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.28 against 1.24 in 2024; short-term debt: 75.7% and cash: 9.6% of total assets), and 75.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.3%
Return on assets
-1.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
22 d late
2023
27 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▼ 7.1%
2024 · €68k
2023: €57k
2024: €68k
2023 → 2025
Total assets
€260k▼ 13.9%
2024 · €302k
2023: €134k
2024: €302k
2023 → 2025
Net result
€-5k
2024 · €11k
2023: €52k
2024: €11k
2023 → 2025
Working capital
€56k▲ 0.4%
2024 · €55k
2023: €43k
2024: €55k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€57k-€68k▲ 20.1%€63k▼ 7.1%
Operating result€66k-€16k▼ 75.6%€-3k
Net result€52k-€11k▼ 78.0%€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €16k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €260k
Fixed assets
€8k▼ 39.3%
Current assets
€253k▼ 12.8%
Equity and liabilities €260k
Equity
€63k▼ 7.1%
Debt
€197k▼ 15.9%
The debt ratio falls from 77.5% to 75.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €22k
Cash flow
€2k▼
2024 · €18k
Solvency
24.3%▲
2024 · 22.5%
Current ratio
1.28▲
2024 · 1.24
Quick ratio
0.22▲
2024 · 0.22
Debt / equity
3.11▼
2024 · 3.44
ROE
-7.6%▼
2024 · 16.7%
ROA
-1.9%▼
2024 · 3.8%
Interest coverage
1.85▼
2024 · 15.14
Debt
€197k▼
2024 · €234k
Debt ≤ 1 year
€197k▼
2024 · €234k
Staff costs
€2k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€302k€260k▼
Fixed assets21/28€13k€8k▼
Tangible fixed assets22/27€10k€5k▼
Plant, machinery and equipment23€2k€211▼
Furniture and vehicles24€5k€2k▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€3k€3k=
Current assets29/58€290k€253k▼
Stocks and contracts in progress3€239k€209k▼
Stocks30/36€239k€209k▼
Amounts receivable within one year40/41€8k€16k▲
Trade receivables40€266€16k▲
Other amounts receivable41€8k-
Cash at bank and in hand54/58€38k€25k▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€302k€260k▼
Equity10/15€68k€63k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€63k€58k▼
Amounts payable17/49€234k€197k▼
Amounts payable within one year42/48€234k€197k▼
Trade debts44€21k€19k▼
Suppliers440/4€21k€19k▼
Advances received on contracts in progress46€26k-
Taxes, remuneration and social security45€36k€19k▼
Taxes450/3€18k€16k▼
Remuneration and social security454/9€18k€3k▼
Other amounts payable47/48€152k€159k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€387€400▲
Non-recurring operating charges66A€130-
Gross operating margin9900€25k€6k▼
Operating profit (loss)9901€16k€-3k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€15k€-5k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€11k€-5k▼
Profit (loss) for the period to be appropriated9905€11k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€58k▼
Profit (loss) brought forward from the previous period14P€52k€63k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-5k ▼142%
Net result drops to €-5k, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Overijse · 1 establishment unit since 2022
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.
Brusselsesteenweg 3453090 OverijseGround area
2,923 m²
Building footprint
757 m²
Volume, LiDAR
4,160 m³
2 parcels, Flanders, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Brusselsesteenweg(P.E.) 80, 7850 Enghien
since 20222.330.167.850
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0205/00Y002 | Flanders | 1,542 m² | 1 · 757 m² | 6.7 m · 2 fl. |
| 55033A0254/00D000 | Wallonia | 1,381 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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BE 0838.293.202
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JVO ALGEMENE DAKWERKEN
BE 1013.304.164
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All-Dak Antwerpen Roelandt
BE 0719.547.978
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PETETOT PATRICK
BE 0892.817.197
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Of 8,560 companies in sector 43410 we hold annual accounts for 4,351. 3,747 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2022
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:rctoiture74@gmail.com