R.I.C.
ActiveR.I.C. has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84k and a net result of €4k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73=
Solvency100▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.6 against 0.52 in 2024; short-term debt: 22.6% and cash: 1.4% of total assets), and 22.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
77.4%
Return on assets
3.3%
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
16 d early
2023
19 d early
2022
21 d early
2021
16 d early
2020
22 d early
2019
18 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€84k▲ 4.5%
2024 · €81k
2018: €55k
2019: €58k
2020: €62k
2021: €65k
2022: €71k
2023: €76k
2024: €81k
2018 → 2025
Total assets
€109k▼ 2.0%
2024 · €111k
2018: €136k
2019: €132k
2020: €127k
2021: €127k
2022: €119k
2023: €117k
2024: €111k
2018 → 2025
Net result
€4k▼ 13.9%
2024 · €4k
2018: €3k
2019: €3k
2020: €4k
2021: €3k
2022: €6k
2023: €5k
2024: €4k
2018 → 2025
Working capital
€-10k▲ 17.4%
2024 · €-12k
2018: €-722
2019: €-3k
2020: €-4k
2021: €-7k
2022: €-8k
2023: €-9k
2024: €-12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€71k▲ 8.7%€76k▲ 7.6%€81k▲ 5.5%€84k▲ 4.5%
Operating result€6k-€8k▲ 42.3%€8k▼ 5.4%€6k▼ 27.0%€5k▼ 14.7%
Net result€3k-€6k▲ 74.6%€5k▼ 4.7%€4k▼ 21.8%€4k▼ 13.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 15% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets
€94k▼ 4.0%
Current assets
€15k▲ 12.8%
Equity and liabilities €109k
Equity
€84k▲ 4.5%
Debt
€25k▼ 19.2%
The debt ratio falls from 27.5% to 22.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €9k
Cash flow
€8k▼
2024 · €8k
Solvency
77.4%▲
2024 · 72.5%
Current ratio
0.60▲
2024 · 0.52
Quick ratio
0.60▲
2024 · 0.52
Debt / equity
0.29▼
2024 · 0.38
ROE
4.3%▼
2024 · 5.2%
ROA
3.3%▼
2024 · 3.8%
Interest coverage
28.31▲
2024 · 18.22
Debt
€25k▼
2024 · €30k
Debt ≤ 1 year
€25k▼
2024 · €25k
Income taxes
€1k▼
2024 · €1k
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€111k€109k▼
Fixed assets21/28€98k€94k▼
Tangible fixed assets22/27€98k€94k▼
Land and buildings22€98k€94k▼
Current assets29/58€13k€15k▲
Amounts receivable within one year40/41€12k€13k▲
Trade receivables40€964€1k▲
Other amounts receivable41€11k€12k▲
Cash at bank and in hand54/58€333€2k▲
Deferred charges and accrued income490/1€600-
Equity and liabilities
Total equity and liabilities10/49€111k€109k▼
Equity10/15€81k€84k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€66k€70k▲
Amounts payable17/49€30k€25k▼
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€25k€25k▼
Current portion of amounts payable after more than one year42€11k€5k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€12k€15k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€11k€10k▼
Operating profit (loss)9901€6k€5k▼
Financial income75/76B€655€620▼
Recurring financial income75€655€620▼
Financial charges65/66B€519€305▼
Recurring financial charges65€519€305▼
Profit (loss) for the period before taxes9903€6k€5k▼
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€4k€4k▼
Profit (loss) for the period to be appropriated9905€4k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€70k▲
Profit (loss) brought forward from the previous period14P€62k€66k▲
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €6k ▲74.6%
Operating result €8k, net result €6k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €3k ▼14.4%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Froidchapelle · 1 establishment unit since 2003
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.
Rue des Martyrs(FRO) 256440 FroidchapelleGround area
1,666 m²
Building footprint
261 m²
Volume, LiDAR
1,478 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Pont des Hamaides(FRO) 38, 6440 Froidchapelle
since 20032.123.458.969
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56029C0390/00R000 | Wallonia | 1,204 m² | 1 · 161 m² | 7.7 m · 2 fl. |
| 56029D0549/00T000 | Wallonia | 461 m² | 1 · 101 m² | 6.1 m · 2 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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,257 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2003
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.