RAIZA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of RAIZA is 0.7% (low). The 2025 annual accounts show equity of €332k and a net result of €140k. Equity is growing by ~55.5% per year across the filed fiscal years. Its solvency ranks better than 67% of 1074 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Trust signals

3 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.7% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: healthy financial profile −

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

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€140k+89.5%

Working capital€227k+167.3%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 06-04-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~55.5%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 82 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	71.1%	51.1%	better than 67% of 1074 sector peers
Net result	€140k	€24k	better than 95% of 1074 sector peers
Equity	€332k	€51k	better than 94% of 1075 sector peers
Gross operating margin	€202k	€46k	better than 94% of 1074 sector peers
Total assets	€467k	€117k	better than 88% of 1075 sector peers

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

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P67

Stable position over 2023-2025 · n=1074-3170

Net result P95

Stable position over 2023-2025 · n=1074-3169

Equity P94

Stable position over 2023-2025 · n=1075-3172

Gross operating margin P94

Stable position over 2023-2025 · n=1074-3169

Describes the position versus peers, not a forecast.

EBITDA

€201k

+94.7% far above sector median

Net profit

€140k

+89.5% far above sector median

Cash flow

€153k

+91.6% far above sector median

Total assets

€467k

+44.6% +155% vs sector

Equity

€332k

+72.7% +223% vs sector

Working capital

€227k

+167.3% +156% vs sector

Income taxes

€42k

+101.5% far above sector median

Debt

€135k

+3.2% far above sector median

Debt ≤ 1y

€27k

+55.6% +266% vs sector

Debt > 1y

€107k

-4.7% -86% vs sector

Current ratio

9.52

+59.7% -28% vs sector

Quick ratio

9.52

+59.7% -28% vs sector

Solvency

71.1%

+19.4% -23% vs sector

Debt / equity

0.41

-40.2% far above sector median

ROE

42.1%

+9.8% far above sector median

ROA

29.9%

+31.1% far above sector median

Interest coverage

30.38

-24.4% far above sector median

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	-
EBITDA	€201k
Net profit	€140k
Cash flow	€153k
Staff costs	-
Income taxes	€42k
Dividends	-
Total assets	€467k
Equity	€332k
Debt	€135k
of which ≤ 1y	€27k
of which > 1y	€107k
Working capital	€227k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	9.52
Quick ratio	9.52
Working capital ratio	48.7%
Solvency	71.1%
Debt / equity	0.41
Long-term debt ratio	0.32
Interest coverage	30.38
Gross margin	-
Net margin	-
ROA	29.9%
ROE	42.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €213k · 45.6% Current assets €254k · 54.4%

Equity & liabilities

Equity €332k · 71.1% Debt €135k · 28.9%

Full annual accounts

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€467k
Fixed assets	21/28	€213k
Tangible fixed assets	22/27	€213k
Current assets	29/58	€254k
Amounts receivable within one year	40/41	€59k
Cash & bank	54/58	€194k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€467k
Equity	10/15	€332k
Contributions / capital	10/11	€5k
Reserves	13	€327k
Amounts payable	17/49	€135k
Amounts payable after one year	17	€107k
Amounts payable within one year	42/48	€27k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€202k
Operating result	9901	€188k
Financial income	75	€511
Financial charges	65	€7k
Result before taxes	9903	€182k
Income taxes	67/77	€42k
Net result for the period	9904	€140k
Result to be appropriated	9905	€140k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location

RAIZA

Zeger van Heulestraat(Heu) 36, 8501 KortrijkVervaardiging van elektronische printplaten

since 20232.341.543.673

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

Parcels1

Ground area838 m²

Buildings1

Building footprint141 m²

Volume (LiDAR)1,098 m³

Tallest building10.8 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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%)