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Rafaël

Active Risk: moderate
Private limited companyfounded 20223 yrs activeHoog-Lachenen 4, 2500 Lier, BelgiumKBO/BCE: BE 0791.707.763
Summary

The computed 12-month bankruptcy probability of Rafaël is 3.9% (moderate). The 2024 annual accounts show equity of €30,589 and a net result of €27,589. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

No current score
Figures too old
The available figures for FY 2024 are too old to assess current financial health.
Axes, FY 2024
Profitability100
Solvency66
Growth-
Track record79
Bankruptcy probability, 12 months
3.9% Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
40.6%
Return on assets
36.6%
Age of the figures
30 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2024 was due by 31-10-2024 and was filed on 28-11-2024, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filing
Deviation from the deadline
2024
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its 2024 accounts 28 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · 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

History

Rafaël was incorporated on 1 October 2022 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€30,589
Total assets
€75,369
Net result
€27,589
Working capital
€23,276

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

Balance-sheet composition
Assets €75,369
Fixed assets €7,313
Current assets €68,056
Equity and liabilities €75,369
Equity €30,589
Debt €44,781
Debt finances 59.4% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€43,006
Cash flow
€28,640
Current ratio
1.52
Debt to equity
1.46
ROE
90.2%
ROA
36.6%
Interest coverage
283.29
Debt ≤ 1 year
€44,781
Income taxes
€14,214
Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 36 lines
Balance sheet Code2024
Assets
Total assets20/58€75,369
Fixed assets21/28€7,313
Tangible fixed assets22/27€7,313
Land and buildings22€2,530
Plant, machinery and equipment23€4,783
Current assets29/58€68,056
Amounts receivable within one year40/41€332
Trade receivables40€332
Cash at bank and in hand54/58€67,725
Equity and liabilities
Total equity and liabilities10/49€75,369
Equity10/15€30,589
Contributions10/11€3,000
Reserves13€27,589
Distributable reserves133€27,589
Amounts payable17/49€44,781
Amounts payable within one year42/48€44,781
Trade debts44€1,830
Suppliers440/4€1,830
Taxes, remuneration and social security45€14,214
Taxes450/3€14,214
Other amounts payable47/48€28,736
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,052
Other operating charges640/8€413
Gross operating margin9900€43,419
Operating profit (loss)9901€41,954
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€152
Recurring financial charges65€152
Profit (loss) for the period before taxes9903€41,803
Income taxes67/77€14,214
Profit (loss) for the period9904€27,589
Profit (loss) for the period to be appropriated9905€27,589
Appropriation of the result
Profit (loss) to be appropriated9906€27,589
Transfer to equity691/2€27,589
To other reserves6921€27,589

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,052
Other operating charges640/8€413
Gross operating margin9900€43,419
Operating profit (loss)9901€41,954
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€152
Recurring financial charges65€152
Profit (loss) for the period before taxes9903€41,803
Income taxes67/77€14,214
Profit (loss) for the period9904€27,589
Profit (loss) for the period to be appropriated9905€27,589
Line2024
Assets
Total assets20/58€75,369
Fixed assets21/28€7,313
Tangible fixed assets22/27€7,313
Land and buildings22€2,530
Plant, machinery and equipment23€4,783
Current assets29/58€68,056
Amounts receivable within one year40/41€332
Trade receivables40€332
Cash at bank and in hand54/58€67,725
Equity and liabilities
Total equity and liabilities10/49€75,369
Equity10/15€30,589
Contributions10/11€3,000
Reserves13€27,589
Distributable reserves133€27,589
Amounts payable17/49€44,781
Amounts payable within one year42/48€44,781
Trade debts44€1,830
Suppliers440/4€1,830
Taxes, remuneration and social security45€14,214
Taxes450/3€14,214
Other amounts payable47/48€28,736
Line2024
Profit (loss) for the period9904€27,589
+ Depreciation and write-downs630€1,052
Operating cash flow (approximation)€28,640

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2024
28-11
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Lier · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
2,628 m²
Building footprint
226 m²
Volume, LiDAR
954 m³
Parcel 12393E0386/00W004, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rafaël
Hoog-Lachenen 4, 2500 LierGeneral medical practice
since 20222.337.353.768
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12393E0386/00W004 Flanders 2,628 m² 1 · 226 m² 6.4 m · 1 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.

Public money · subsidies and aid

Flemish government

2023 · 1 entry · 540 EUR awarded · 1,080 EUR paid
Year Entries awardedpaid
2023 1 540 EUR1,080 EUR
Schemes
1 entry · 540 EUR · 1,080 EUR paid · Fonds voor Innoveren en Ondernemen

Identification & contact

Identification
Legal formPrivate limited company
Founded01-10-2022
Fiscal year end31-03
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.