Rafa Invest

Active

Private limited companyfounded 20233 yrs activeSint-Michielslaan 6, 8200 Brugge, BelgiumKBO/BCE: BE 0802.769.030

Rafa Invest is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €87k and a net result of €32k. Its solvency ranks better than 28% of 5495 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Signals

Three signals. The signal on the left, the evidence on the right.

○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 03-07-2026, 28 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

28 d early

2024

13 d early

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€87k▲ 59.1%

2024 · €54k

2024: €54k

2024 → 2025

Net result

€32k▼ 37.5%

2024 · €51k

2024: €51k

2024 → 2025

Total assets

€320k▲ 19.3%

2024 · €268k

2024: €268k

2024 → 2025

Solvency

27.1%▲ 6.8pp

2024 · 20.3%

2024: 20.3%

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€54k-€87k▲ 59.1%

Operating result€87k-€52k▼ 40.2%

Net result€51k-€32k▼ 37.5%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 40% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €320k

80.6%

19.4%

Fixed assets €258k▲ 15.9%

Current assets €62k▲ 35.9%

Equity and liabilities €320k

27.1%

72.9%

Equity €87k▲ 59.1%

Debt €233k▲ 9.2%

The debt ratio falls from 79.7% to 72.9%: equity grows faster than debt.

Key figures and ratios

2025 value · change against 2024

Solvency

27.1%▲

2024 · 20.3%

ROE

37.1%▼

2024 · 94.5%

ROA

10.0%▼

2024 · 19.2%

Debt

€233k▲

2024 · €214k

Debt ≤ 1 year

€84k▲

2024 · €68k

Debt > 1 year

€149k▲

2024 · €146k

Income taxes

€13k▼

2024 · €20k

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€268k€320k▲

Fixed assets21/28€222k€258k▲

Tangible fixed assets22/27€16k€11k▼

Furniture and vehicles24€16k€11k▼

Financial fixed assets28€207k€247k▲

Current assets29/58€46k€62k▲

Amounts receivable within one year40/41€9k€17k▲

Trade receivables40€9k€4k▼

Other amounts receivable41€500€14k▲

Cash at bank and in hand54/58€36k€44k▲

Deferred charges and accrued income490/1€742€1k▲

Equity and liabilities

Total equity and liabilities10/49€268k€320k▲

Equity10/15€54k€87k▲

Contributions10/11€3k€3k=

Reserves13€51k-

Distributable reserves133€51k-

Profit (loss) carried forward14-€84k

Amounts payable17/49€214k€233k▲

Amounts payable after more than one year17€146k€149k▲

Financial debts170/4€146k€149k▲

Amounts payable within one year42/48€68k€84k▲

Current portion of amounts payable after more than one year42€35k€53k▲

Financial debts43-€878

Credit institutions430/8-€878

Trade debts44€3k€5k▲

Suppliers440/4€3k€5k▲

Taxes, remuneration and social security45€24k€26k▲

Taxes450/3€22k€26k▲

Remuneration and social security454/9€2k€0▼

Other amounts payable47/48€6k€0▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼

Other operating charges640/8€2k€494▼

Gross operating margin9900€95k€57k▼

Operating profit (loss)9901€87k€52k▼

Financial income75/76B€13€639▲

Recurring financial income75€13€639▲

Financial charges65/66B€15k€7k▼

Recurring financial charges65€15k€7k▼

Profit (loss) for the period before taxes9903€72k€45k▼

Income taxes67/77€20k€13k▼

Profit (loss) for the period9904€51k€32k▼

Profit (loss) for the period to be appropriated9905€51k€32k▼

Appropriation of the result

Profit (loss) to be appropriated9906€51k€84k▲

Profit (loss) brought forward from the previous period14P-€51k

Transfer to equity691/2€51k-

To other reserves6921€51k-

The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

03-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

18-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Brugge · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Sint-Michielslaan 68200 Brugge

Ground area

285 m²

Building footprint

91 m²

Volume, LiDAR

541 m³

Parcel 31512B0518/00T000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Rafa Invest

Sint-Michielslaan 6, 8200 BruggeFinancial service activities, except insurance and pension funding

since 20232.346.627.067

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31512B0518/00T000	Flanders	285 m²	1 · 91 m²	8.6 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

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

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

Public money · subsidies and aid

Flemish government

2023 · 1 entry · 300 EUR awarded · 300 EUR paid

Year	Entries	awarded	paid
2023	1	300 EUR	300 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 300 EUR · 300 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 11,926 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded15-06-2023

Fiscal year end31-12

Activities, NACEBEL

64200Holdings

64210Activities of holding companies

70100Activities of head offices

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:annick.pieters3@telenet.be

Enterprise