Equity
€19,200 from €117,292 in 2022
Equity fell by 84% in 3 years.
RAF+
Lifetime
6 annual accounts with figures on one time axispeak €246,997 (2024)
€195,131▼ 21.0%
peak €141,700 (2024)
€87,801▼ 38.0%
peak €117,292 (2022)
€19,200unchanged
€821,572▼ 9.8%
Board4 names since 2019
3 directorsCARRETTE Florence and 2 others
Documentsfilings and deeds
06-01-202625 days before the deadline
2025micro format
Gross margin from €246,997 to €195,131Result from €141,700 to €87,801Dividend €87,801
Key points
from the 2025 annual accountsResult
€87,801 ▼ 38.0%
The result fell in 2025 from €141,700 to €87,801.
Turnover
≈ €300,000 estimated
The micro format states no turnover.
Debts
€821,572 98% of the balance sheet
Financial debts 81%Suppliers 0%Taxes and wages 2%Other 17%
Of this, €143,449 falls due within a year.
Filings
6 annual accounts since 2020
The last five annual accounts were filed 0 to 85 days before the end of the period.
Position in the sector
2.3%
Lower solvency than 90% of companies in computer programming and consultancy. Sector median 60.0% · 21,208 companies.
Checked score
90
Excellent
Financially stronger than 33% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%lowest value
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025lowest value
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.2%▲ +0.1 percentage points vs 12-2025highest value
02-2026: 0.1%▼ -0.1 percentage points vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Equity €19,200 (2.3% of total assets)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €840,772
Figures for financial year 2025 (filed on 06-01-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 11% of them on solvency, 39% on liquidity, 42% on profitability and 41% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 875 companies had the same profile as RAF+ has now. Each dot stands for 3 companies, two years later.
96.6%
were still trading
1.9%
stopped another way
1.4%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of RAF+ itself is lower: 0.1% within 12 months. It rests on far more data about RAF+ than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 875 companies, not a prediction for RAF+. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.57 (0.41 in 2024), below 1. Short-term debt is 17.1% and cash 8.8% of total assets. 97.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 21208 sector peers (2025).
NBB · sector comparisonPosition among 21208 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-01-2026, 25 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
25 days early
2024
85 days early
2023
69 days early
2022
5 days early
2021
on the day
2020
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 31 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 6 January (4 of the last 5 accounts filed within 44 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end11-11-2026 today31-01-2027 deadline
Board and ownership
- CARRETTE Florence Marie Charlotte Francine Nadine 96 sharesdeed of 01-04-2019
- OLIVIER Eric José Guy Marie 96 sharesdeed of 01-04-2019
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0723761441
2 managers resigning, 2 directors reappointed
Resignations: OLIVER Eric (manager) and CARRETTE Florence (manager) · Reappointments: OLIVER Eric (director) and CARRETTE Florence (director) · General meeting of 27-10-2021 · Gazette deed
First establishment
Kleine Tapuitstraat 18, Deerlijk
Incorporation
Founding capital of €19,200, 192 shares · Founders: CARRETTE Florence Marie Charlotte Francine Nadine and OLIVIER Eric José Guy Marie · Appointments: CARRETTE Florence Marie Charlotte Francine Nadine (manager) and OLIVIER Eric José Guy Marie (manager) · published on 01-04-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RAF+ Deerlijk | €840,772 | €195,131 | 2.3% | - |
| IT CONTRACTOR Tielt | €817,941 | €219,372 | 56.8% | - |
| Digit 9 Harelbeke | €718,661 | €194,123 | 18.8% | - |
| Cubitec Antwerp | €842,833 | €206,730 | 35.0% | 0 |
| FILOSOFANT Lierde | €930,806 | €178,159 | 18.6% | - |
| DATUMO Liège | €832,712 | €208,671 | 2.6% | - |
| Ingels Consulting Ostend | €857,272 | €164,807 | 52.4% | - |
These companies have the same main activity as RAF+: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €719,000 and €931,000, founded between 2018 and 2020.
Official details
Source: KBO- Status
- Active since 28-03-2019Normal situation
- Registered office
- 12 active companies are registered at this addressSource: KBO register, as of 10 November 2026.
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 2 others
- Establishment unit
- 2.288.456.7618540 Deerlijk, since 01-04-2019
- Financial year end
- 30 June
- Peppol
- Reachable since 28-05-2025
Annual accounts to 30-06-2025
- €840,772▼ 9.6%
- Filing
- Filed on 06-01-2026, 25 days before the end of the filing period
Insights on RAF+
RAF+ files the micro format. That format states no turnover. The gross margin rose from €47,839 in 2020 to €195,131 in 2025.
The balance sheet grew most from 2022 to 2024 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RAF+
- What is the company number of RAF+?
- The company number of RAF+ is 0723.761.441. The VAT number is the same number with BE in front: BE 0723.761.441.
- Where is RAF+ based?
- The registered office is at Kleine Tapuitstraat 18, 8540 Deerlijk.Company details
- What does RAF+ do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of RAF+?
- RAF+ is a private limited company (BV).
- When was RAF+ founded?
- RAF+ was founded on 28-03-2019.
- Is RAF+ still active?
- Yes, RAF+ is an active enterprise in the KBO register.
- What is the turnover of RAF+?
- The turnover in financial year 2025 is ≈ €300,000. This figure is estimated from the gross margin of €195,131 and 42 comparable companies (NACE 62200). It probably lies between €270,000 and €370,000.Financials
- Is RAF+ profitable?
- In financial year 2025, RAF+ made a profit of €87,801.
- Where can I find the annual accounts of RAF+?
- RAF+ filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RAF+ due?
- RAF+ must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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