R&G
ActiveR&G has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €177k and a net result of €21k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 63% of 9167 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+1
Solvency73▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.16 against 0.15 in 2024; short-term debt: 11.2% and cash: 1.1% of total assets), and 52.5% 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.
−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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
47.5%
Return on assets
5.5%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
9 d early
2023
20 d early
2022
13 d early
2021
13 d early
2020
39 d early
2019
48 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€177k▲ 13.2%
2024 · €156k
2018: €103k
2019: €105k
2020: €102k
2021: €97k
2022: €117k
2023: €136k
2024: €156k
2018 → 2025
Total assets
€372k▼ 4.9%
2024 · €391k
2018: €240k
2019: €230k
2020: €223k
2021: €475k
2022: €438k
2023: €410k
2024: €391k
2018 → 2025
Net result
€21k▲ 2.3%
2024 · €20k
2018: €14k
2019: €1k
2020: €-2k
2021: €-5k
2022: €20k
2023: €19k
2024: €20k
2018 → 2025
Working capital
€-35k▲ 20.4%
2024 · €-44k
2018: €56k
2019: €45k
2020: €7k
2021: €-87k
2022: €-70k
2023: €-57k
2024: €-44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€117k▲ 20.6%€136k▲ 15.9%€156k▲ 14.8%€177k▲ 13.2%
Operating result€-6-€32k€33k▲ 5.3%€34k▲ 2.2%€34k▼ 0.7%
Net result€-5k-€20k€19k▼ 6.9%€20k▲ 8.3%€21k▲ 2.3%
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 falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €372k
Fixed assets
€365k▼ 4.7%
Current assets
€7k▼ 17.3%
Equity and liabilities €372k
Equity
€177k▲ 13.2%
Debt
€195k▼ 17.0%
The debt ratio falls from 60.1% to 52.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€55k▼
2024 · €56k
Cash flow
€42k▼
2024 · €42k
Solvency
47.5%▲
2024 · 39.9%
Current ratio
0.16▲
2024 · 0.15
Quick ratio
0.16▲
2024 · 0.15
Debt / equity
1.10▼
2024 · 1.51
ROE
11.7%▼
2024 · 12.9%
ROA
5.5%▲
2024 · 5.2%
Interest coverage
14.98▲
2024 · 12.61
Debt
€195k▼
2024 · €235k
Debt ≤ 1 year
€42k▼
2024 · €52k
Debt > 1 year
€150k▼
2024 · €180k
Income taxes
€10k▲
2024 · €10k
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€391k€372k▼
Fixed assets21/28€383k€365k▼
Tangible fixed assets22/27€383k€365k▼
Land and buildings22€383k€365k▼
Current assets29/58€8k€7k▼
Amounts receivable within one year40/41€2k€2k▲
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€391k€372k▼
Equity10/15€156k€177k▲
Contributions10/11€19k€19k=
Reserves13€41k€61k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€39k€59k▲
Profit (loss) carried forward14€97k€97k=
Amounts payable17/49€235k€195k▼
Amounts payable after more than one year17€180k€150k▼
Financial debts170/4€180k€150k▼
Amounts payable within one year42/48€52k€42k▼
Current portion of amounts payable after more than one year42€30k€30k▲
Trade debts44€320€400▲
Suppliers440/4€320€400▲
Taxes, remuneration and social security45€7k€4k▼
Taxes450/3€7k€4k▼
Other amounts payable47/48€15k€7k▼
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼
Other operating charges640/8€513€549▲
Gross operating margin9900€57k€55k▼
Operating profit (loss)9901€34k€34k▼
Financial income75/76B€90€131▲
Recurring financial income75€90€131▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€30k€30k▲
Income taxes67/77€10k€10k▲
Profit (loss) for the period9904€20k€21k▲
Profit (loss) for the period to be appropriated9905€20k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€117k€118k▲
Profit (loss) brought forward from the previous period14P€97k€97k=
Transfer to equity691/2€20k€21k▲
To other reserves6921€20k€21k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (14 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €21k ▲2.3%
Net result €21k, the highest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €156k ▲14.8%
3 profitable years in a row build equity to €156k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €117k ▲20.6%
Equity rises from €97k to €117k.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 48 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Zutendaal · 1 establishment unit since 2011
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.
Sprinkelestraat 793690 ZutendaalGround area
2,631 m²
Building footprint
237 m²
Volume, LiDAR
1,249 m³
Parcel 71067B0505/02F000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
R&G
since 20112.204.411.607
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71067B0505/02F000 | Flanders | 2,631 m² | 1 · 237 m² | 9.4 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.
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LoMa Real Estate
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AV-VASTGOED
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,381. 3,867 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2011
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.