Active BE 0804.765.745Private limited company

R&S INVEST

Stationsstraat 62 ·1745 Opwijk, Belgium· 3 yrs active

Sector: Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden (56112)

Conclusion Checked

The computed 12-month bankruptcy probability of R&S INVEST is 5.1% (elevated). The 2024 annual accounts show equity of €11k and a net result of €11k. Its solvency ranks better than 52% of 5650 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€11k
Net result	€11k
Better than sector	52%
Active	3 yrs

Financial profile 4 of 5 axes measured · computed by Checked

62 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 48

Profitability 100

Solvency 22

Growth -

Stability 79

Bankruptcy probability (12 mo) Checked model v1 · free

5.1% Elevated

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

48 / 100 Fair

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview1 NBB filings

Annual accounts filed on 16-04-2026 with the NBB · fiscal year 2024 · micro

Sector comparison

Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	21.5%	19.3%	better than 52% of 5650 sector peers
Net result	€11k	€4k	better than 62% of 5638 sector peers
Equity	€11k	€14k	better than 46% of 5662 sector peers
Gross operating margin	€77k	€52k	better than 60% of 5624 sector peers
Staff costs	€49k	€49k	higher than 50% of 4088 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€26k
Net profit	€11k
Cash flow	€22k
Staff costs	€49k
Income taxes	€5k
Dividends	-
Total assets	€49k
Equity	€11k
Debt	€39k
of which ≤ 1y	€39k
of which > 1y	-
Working capital	€-12k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.68
Quick ratio	0.68
Working capital ratio	-25.3%
Solvency	21.5%
Debt / equity	3.65
Long-term debt ratio	-
Interest coverage	112.17
Gross margin	-
Net margin	-
ROA	21.5%
ROE	100.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €23k · 46.8% Current assets €26k · 53.2%

Equity & liabilities

Equity €11k · 21.5% Debt €39k · 78.5%

Full annual accounts (20 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€49k
Fixed assets	21/28	€23k
Intangible fixed assets	21	€18k
Tangible fixed assets	22/27	€5k
Current assets	29/58	€26k
Amounts receivable within one year	40/41	€21k
Cash & bank	54/58	€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€49k
Equity	10/15	€11k
Accumulated profits (losses)	14	€11k
Amounts payable	17/49	€39k
Amounts payable within one year	42/48	€39k
Trade debts payable within one year	44	€26k
Income statement
Gross operating margin	9900	€77k
Operating result	9901	€15k
Financial charges	65	€236
Result before taxes	9903	€15k
Income taxes	67/77	€5k
Net result for the period	9904	€11k
Result to be appropriated	9905	€11k

Ratios computed by Checked.

Directors & mandates 2 directors

Former directors (2)

El Kaddouri Ridwan
Non-statutory director
State Gazette act 25043504 (02-04-2025)

Former
- → 01-04-2025
El Kaddouri Salim
Non-statutory director
State Gazette act 25043504 (02-04-2025)

Former
- → 01-04-2025

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden(56112)
Legal form	Private limited company(610)
Incorporation	11-08-2023
Status	Active
Postal code	1745

Establishment units 1 location

R&S INVEST

Stationsstraat 62, 1745 OpwijkRestaurant van het traditionele type

since 20232.348.425.329

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23060B0756/00G000	Flanders	143 m²	1 · 126 m²	12.1 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

16-04-2026

NBB filing Annual accounts filed

fiscal year 2024 · micro

2025

02-04-2025

State Gazette act Capital & shares

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

Capital history · 1

02-04-2025

Capital change

All acts · 1 updated 1 year ago

2025

02-04-2025 All shares are now held by a single shareholder Capital & shares

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "eenhoofdigheid_declaration",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "Mohammed Shafe Sattout",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 70,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "Mohammed Shafe Sattout",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 30,
          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "Mohammed Shafe Sattout",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 100,
          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-04-02",
    "filing_date": "2025-03-26",
    "act_kind_objet": "Benoemingen - Ontslagen - Overdracht van aandelen"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2025-03-13",
    "unanimous": true,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2025-03-13"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0804.765.745",
    "name_full": "R\u0026S INVEST",
    "legal_form": "BV",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "de notulen van de algemene vergadering dd. 13/03/2025"
  ],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "Ridwan El Kaddouri",
      "role": "simple_associ\u00E9",
      "n_shares": 0,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "Salim El Kaddouri",
      "role": "simple_associ\u00E9",
      "n_shares": 0,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "Mohammed Shafe Sattout",
      "role": "simple_associ\u00E9",
      "n_shares": 100,
      "share_class": null
    }
  ],
  "share_classes_after": []
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112

Primary activity highlighted.

Names & trade names

Legal nameNL

R&S INVEST

Registered office

Stationsstraat 62

1745 Opwijk, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

Similar companies Comparable size · 2,998 of 21,776 companies in this sector with filed accounts

FREDINIE BE 0795.665.858 · Estaimpuis

AUX SAVEURS CREATIVES BE 0781.403.789 · Seraing

FAME BE 0428.779.986 · Vilvoorde

HAVIN-ROJHELAT BE 1008.547.206 · Grimbergen

SLEMS BE 0766.683.743 · Namur