R & H GROUP
ActiveSummary
The computed 12-month bankruptcy probability of R & H GROUP is 1.7% (moderate). The 2025 annual accounts show equity of €20k and a net result of €9k. Equity is growing by ~74.1% per year across the filed fiscal years. Its solvency ranks better than 74% of 18280 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency88▲+15
Growth78=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.73 against 1.86 in 2023; short-term debt: 36.7% and cash: 9.8% of total assets), and 36.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
63.3%
Return on assets
28.8%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
4 d early
2023
54 d late
2022
59 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€11k
EBIT margin
4.3%
Net result
€9k▲ 36.8%
2023 · €7k
2022: €404
2023: €7k
2022 → 2025
Working capital
€20k▲ 185%
2023 · €7k
2022: €3k
2023: €7k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232025Trend
Turnover€11k-
Equity€3k-€7k▲ 119%€20k▲ 168%
Operating result€454-€10k▲ 2,076%€13k▲ 31.3%
Net result€404-€7k▲ 1,543%€9k▲ 36.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €13k in 2025, compared with €10k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Equity and liabilities €32k
Equity
€20k ▲ 168%
Debt
€12k ▲ 41.8%
Debt's share of the balance-sheet total falls from 52.3% to 36.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▲
2023 · €10k
Cash flow
€9k▲
2023 · €7k
Current ratio
2.73▲
2023 · 1.86
Debt to equity
0.58▼
2023 · 1.09
ROE
45.5%▼
2023 · 89.2%
ROA
28.8%▼
2023 · 42.6%
Interest coverage
24.02▼
2023 · 69.63
Debt ≤ 1 year
€12k▲
2023 · €8k
Income taxes
€3k▲
2023 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2023 · 33 lines
Balance sheet
Code20232025
Assets
Total assets20/58€16k€32k▲
Formation expenses20€450-
Current assets29/58€15k€32k▲
Amounts receivable within one year40/41€11k€28k▲
Trade receivables40€11k€11k▲
Other amounts receivable41-€18k
Cash at bank and in hand54/58€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€16k€32k▲
Equity10/15€7k€20k▲
Contributions10/11€400€400=
Capital10€400€400=
Issued capital100€2k€2k=
Uncalled capital101€1k€1k=
Profit (loss) carried forward14€7k€20k▲
Amounts payable17/49€8k€12k▲
Amounts payable within one year42/48€8k€12k▲
Trade debts44€81€3k▲
Suppliers440/4€81€3k▲
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€2k-
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€375€75▼
Other operating charges640/8€2k€100▼
Gross operating margin9900€12k€13k▲
Operating profit (loss)9901€10k€13k▲
Financial charges65/66B€147€543▲
Recurring financial charges65€147€543▲
Profit (loss) for the period before taxes9903€10k€12k▲
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€7k€9k▲
Profit (loss) for the period to be appropriated9905€7k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€20k▲
Profit (loss) brought forward from the previous period14P€404€10k▲
The notes to these accounts (3 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €9k ▲36.8%
Operating result €13k, net result €9k, both a record.
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Dilbeek · 1 establishment unit since 2021
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.
Oudesmidsestraat 201700 DilbeekGround area
571 m²
Building footprint
370 m²
Volume, LiDAR
3,345 m³
2 parcels, Flanders · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
R & H GROUP
since 20212.332.610.864
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016D0063/00W002 | Flanders | 300 m² | 1 · 299 m² | 12.6 m · 3 fl. |
| 23077C0327/00A005 | Flanders | 271 m² | 1 · 71 m² | 11.4 m · 3 fl. |
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
DESOMER-SINNESAEL
BE 0898.775.769
Poperinge · Eq €19,938
Quality Cars Belgium
BE 1022.320.612
Sint-Truiden · Eq €19,969
ETABLISSEMENTS HALLUENT
BE 0459.723.679
Ottignies-Louvain-la-Neuve · Eq €19,977
ZA COMPANY
BE 0772.703.384
Grimbergen · Eq €20,007
AMZ CAR
BE 0641.794.461
Anderlecht · Eq €20,030
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 2,667 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49310Scheduled passenger transport by road
46711Wholesale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.