RABOFISC
ActiveSummary
RABOFISC has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148,464 and a net result of €62,352. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 39% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▲+6
Solvency70▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 1.6 against 2.09 in 2024; short-term debt: 39.3% and cash: 34.8% of total assets), but 54.8% of the assets are financed with debt.
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Signals
Four 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
45.2%
Return on assets
19%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-04-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
23 d early
2023
8 d early
2022
1 d late
2021
2 d late
2020
on the day
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€148,464▼ 0.5%
2024 · €149,153
Total assets
€328,242▲ 7.4%
2024 · €305,680
Net result
€62,352▲ 36.7%
2024 · €45,619
Working capital
€76,889▼ 26.0%
2024 · €103,946
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€99,728▼ 4.0%€46,261▼ 53.6%€72,299▲ 56.3%€102,170▲ 41.3%€137,478▲ 34.6%
Net result€34,384within the sector's middle half▼ 38.3%€2,526below the sector's middle half▼ 92.7%€20,088within the sector's middle half▲ 695%€45,619within the sector's middle half▲ 127%€62,352within the sector's middle half▲ 36.7%
Equity€124,074within the sector's middle half▲ 36.8%€125,601within the sector's middle half▲ 1.2%€145,689within the sector's middle half▲ 16.0%€149,153within the sector's middle half▲ 2.4%€148,464within the sector's middle half▼ 0.5%
Total assets€305,902within the sector's middle half▼ 1.4%€288,361within the sector's middle half▼ 5.7%€303,284within the sector's middle half▲ 5.2%€305,680within the sector's middle half▲ 0.8%€328,242within the sector's middle half▲ 7.4%
Debt€181,828▼ 17.2%€162,760▼ 10.5%€157,595▼ 3.2%€156,527▼ 0.7%€179,778▲ 14.9%
Working capital€93,074within the sector's middle half▲ 56.1%€86,785within the sector's middle half▼ 6.8%€105,069within the sector's middle half▲ 21.1%€103,946within the sector's middle half▼ 1.1%€76,889within the sector's middle half▼ 26.0%
Solvency40.6%within the sector's middle half▲ 11.3pp43.6%within the sector's middle half▲ 3.0pp48.0%within the sector's middle half▲ 4.5pp48.8%within the sector's middle half▲ 0.8pp45.2%within the sector's middle half▼ 3.6pp
Current ratio2.03within the sector's middle half▲ 0.472.07within the sector's middle half▲ 0.042.22within the sector's middle half▲ 0.152.09within the sector's middle half▼ 0.131.60within the sector's middle half▼ 0.49
Return on assets (ROA)11.2%within the sector's middle half▼ 6.7pp0.9%below the sector's middle half▼ 10.4pp6.6%within the sector's middle half▲ 5.7pp14.9%within the sector's middle half▲ 8.3pp19.0%within the sector's middle half▲ 4.1pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €328,242
Fixed assets
€122,494 ▲ 15.1%
Current assets
€205,748 ▲ 3.2%
Equity and liabilities €328,242
Equity
€148,464 ▼ 0.5%
Debt
€179,778 ▲ 14.9%
Debt's share of the balance-sheet total rises from 51.2% to 54.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€146,181▲
2024 · €110,459
Cash flow
€71,055▲
2024 · €53,909
Debt to equity
1.21▲
2024 · 1.05
ROE
42.0%▲
2024 · 30.6%
Interest coverage
2.90▲
2024 · 2.88
Debt ≤ 1 year
€128,860▲
2024 · €95,335
Debt > 1 year
€50,732▼
2024 · €61,192
Income taxes
€24,696▲
2024 · €18,498
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,679 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,770 | €8,069 | €8,242 | €8,289 | €8,703 | ▲ 5.0% |
| Other operating charges640/8 | €752 | €468 | €1,605 | €1,662 | €1,445 | ▼ 13.0% |
| Gross operating margin9900 | €123,249 | €54,798 | €82,147 | €112,121 | €147,626 | ▲ 31.7% |
| Operating profit (loss)9901 | €99,728 | €46,261 | €72,299 | €102,170 | €137,478 | ▲ 34.6% |
| Financial income75/76B | - | - | €5 | €259 | €2 | ▼ 99.2% |
| Recurring financial income75 | - | - | €5 | €259 | €2 | ▼ 99.2% |
| Financial charges65/66B | €50,715 | €42,041 | €42,896 | €38,311 | €50,432 | ▲ 31.6% |
| Recurring financial charges65 | €50,715 | €42,041 | €42,896 | €38,311 | €50,432 | ▲ 31.6% |
| Profit (loss) for the period before taxes9903 | €49,013 | €4,220 | €29,409 | €64,118 | €87,047 | ▲ 35.8% |
| Income taxes67/77 | €14,629 | €1,694 | €9,321 | €18,498 | €24,696 | ▲ 33.5% |
| Profit (loss) for the period9904 | €34,384 | €2,526 | €20,088 | €45,619 | €62,352 | ▲ 36.7% |
| Profit (loss) for the period to be appropriated9905 | €34,384 | €2,526 | €20,088 | €45,619 | €62,352 | ▲ 36.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €305,902 | €288,361 | €303,284 | €305,680 | €328,242 | ▲ 7.4% |
| Fixed assets21/28 | €122,335 | €120,304 | €112,062 | €106,399 | €122,494 | ▲ 15.1% |
| Tangible fixed assets22/27 | €122,335 | €120,304 | €112,062 | €106,399 | €122,494 | ▲ 15.1% |
| Land and buildings22 | €119,869 | €113,223 | €106,577 | €102,509 | €120,200 | ▲ 17.3% |
| Furniture and vehicles24 | €2,466 | €7,081 | €5,485 | €3,890 | €2,294 | ▼ 41.0% |
| Current assets29/58 | €183,567 | €168,057 | €191,222 | €199,281 | €205,748 | ▲ 3.2% |
| Amounts receivable within one year40/41 | €146,759 | €144,102 | €137,709 | €93,303 | €84,228 | ▼ 9.7% |
| Trade receivables40 | €12,713 | €13,460 | €16,067 | €17,257 | €35,732 | ▲ 107% |
| Other amounts receivable41 | €134,046 | €130,642 | €121,642 | €76,046 | €48,495 | ▼ 36.2% |
| Cash at bank and in hand54/58 | €28,871 | €15,213 | €46,030 | €98,189 | €114,294 | ▲ 16.4% |
| Deferred charges and accrued income490/1 | €7,937 | €8,742 | €7,483 | €7,789 | €7,227 | ▼ 7.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €305,902 | €288,361 | €303,284 | €305,680 | €328,242 | ▲ 7.4% |
| Equity10/15 | €124,074 | €125,601 | €145,689 | €149,153 | €148,464 | ▼ 0.5% |
| Contributions10/11 | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Outside capital11 | €18,550 | €18,550 | - | - | - | - |
| Other1109/19 | €18,550 | €18,550 | - | - | - | - |
| Reserves13 | €105,524 | €107,051 | €127,139 | €130,603 | €129,914 | ▼ 0.5% |
| Non-distributable reserves130/1 | €1,855 | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Reserves not available under the articles1311 | €1,855 | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Distributable reserves133 | €103,669 | €105,196 | €125,284 | €128,748 | €128,059 | ▼ 0.5% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €181,828 | €162,760 | €157,595 | €156,527 | €179,778 | ▲ 14.9% |
| Amounts payable after more than one year17 | €91,334 | €81,489 | €71,443 | €61,192 | €50,732 | ▼ 17.1% |
| Financial debts170/4 | €91,334 | €81,489 | €71,443 | €61,192 | €50,732 | ▼ 17.1% |
| Amounts payable within one year42/48 | €90,493 | €81,272 | €86,152 | €95,335 | €128,860 | ▲ 35.2% |
| Current portion of amounts payable after more than one year42 | €20,652 | €9,846 | €10,046 | €9,404 | €10,460 | ▲ 11.2% |
| Financial debts43 | - | - | - | - | €4,122 | - |
| Credit institutions430/8 | - | - | - | - | €4,122 | - |
| Trade debts44 | €7,214 | €8,744 | €9,276 | €1,459 | €2,879 | ▲ 97.4% |
| Suppliers440/4 | €7,214 | €8,744 | €9,276 | €1,459 | €2,879 | ▲ 97.4% |
| Taxes, remuneration and social security45 | €21,249 | €10,135 | €19,686 | €21,701 | €35,149 | ▲ 62.0% |
| Taxes450/3 | €21,249 | €10,135 | €17,049 | €21,701 | €32,592 | ▲ 50.2% |
| Remuneration and social security454/9 | - | - | €2,637 | €0 | €2,556 | - |
| Other amounts payable47/48 | €41,379 | €52,547 | €47,144 | €62,771 | €76,250 | ▲ 21.5% |
| Accrued charges and deferred income492/3 | - | - | - | - | €186 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €34,384 | €2,526 | €20,088 | €45,619 | €62,352 | ▲ 36.7% |
| + Depreciation and write-downs630 | €22,770 | €8,069 | €8,242 | €8,289 | €8,703 | ▲ 5.0% |
| Operating cash flow (approximation) | €57,154 | €10,596 | €28,330 | €53,909 | €71,055 | ▲ 31.8% |
| Investment in fixed assets (approximation) | - | -€6,038 | €0 | -€2,626 | -€24,798 | ▼ 844% |
| Change in cash | - | -€13,658 | €30,817 | €52,159 | €16,105 | ▼ 69.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €62,352 ▲36.7%
Operating result €137,478, net result €62,352, both a record.
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
30-09
Financial
Equity above €100,000Eq €124,074 ▲36.8%
2 profitable years in a row build equity to €124,074.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €55,757
Net result €55,757 after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet -€8,473
Net result drops to -€8,473, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
26-04
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.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Pajottegem · 1 establishment unit since 2010
Ground area
3,164 m²
Building footprint
197 m²
Volume, LiDAR
959 m³
Parcel 23024B0005/00N000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RABOFISC
since 20102.183.827.019
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23024B0005/00N000 | Flanders | 3,164 m² | 1 · 197 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900S7UJ7E2J6CRD20
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,520 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded24-12-2009
Fiscal year end30-09
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0821768360
Registered
25-11-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.