Equity
€332,041 ▲ 72.7%
RAIZA has made a profit in every financial year since 2023.
RAIZA
Lifetime
3 annual accounts with figures on one time axispeak €201,806 (2025)
€201,806▲ 53.4%
peak €139,725 (2025)
€139,725▲ 89.5%
peak €332,041 (2025)
€332,041▲ 72.7%
€134,864▲ 3.2%
Board1 name since 2022
1 directorSTUBBE Erik Indra
Documentsfilings and deeds
06-04-2026116 days before the deadline
2025micro format
Gross margin from €131,547 to €201,806Result from €73,731 to €139,725Equity from €192,316 to €332,041Cash from €77,801 to €194,486
Key points
from the 2025 annual accountsResult
€139,725 ▲ 89.5%
The result rose in 2025 from €73,731 to €139,725.
Turnover
≈ €300,000 estimated
The micro format states no turnover.
Liquidity
9.52 was 5.96 in 2024
Short-term debts rose from €17,160 to €26,703.
Starting capital
€5,000 500 shares
Position in the sector
€139,725
Higher net result than 94% of companies in office administrative support. Sector median €16,204 · 9,692 companies.
Checked score
98
Excellent
Financially stronger than 85% of micro companies in office administrative support (NACE 82)
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: 0.2% across 12,672 companies (NACE 82, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
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: 0.2%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 0.2%● unchanged vs 08-2025highest value
10-2025: 0.2%● unchanged vs 09-2025highest value
11-2025: 0.1%▼ -0.1 percentage points vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: < 0.1%▼ -0.1 percentage points 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 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 9.52, cash €194,486
Sector: Office administrative, office support and other business support activities (NACE 82)
Equity €332,041 (71.1% of total assets)
Size: total assets €466,905
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 82, micro). It does better than 71% of them on solvency, 97% on liquidity, 87% on profitability and 85% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
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, 3,127 companies had the same profile as RAIZA has now. Each dot stands for 8 companies, two years later.
97.2%
were still trading
1.9%
stopped another way
0.8%
went bankrupt
That fits the bankruptcy probability of RAIZA itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 3,127 companies, not a prediction for RAIZA. 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 €30,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 9.52 (5.96 in 2024), above the usual 1.5. Short-term debt is 5.7% and cash 41.7% of total assets. 28.9% 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
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 06-04-2026, 116 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
116 days early
2024
25 days early
2023
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 47 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 July (3 of the last 3 accounts filed within 91 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0795250342
Registered office moved from Harelbeke to Heule
New registered office: Zeger Van Heulestraat 36, 8501 Heule · Previous registered office: Gaverstraat 118, 8530 Harelbeke · Board meeting of 15-09-2023 · Gazette deed
First establishment
Zeger van Heulestraat 36, Kortrijk
Incorporation
Founding capital of €5,000, 500 shares · Founder: STUBBE Erik Indra · Appointment: STUBBE Erik Indra (statutory director) · published on 27-12-2022 · Gazette deed
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as RAIZA: other business support services (NACE 82990). They are comparable in size and age: total assets between €389,000 and €511,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 22-12-2022Normal situation
- Activity
- Other business support servicesNACE 82990
- Establishment unit
- 2.341.543.6738501 Kortrijk, since 01-02-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- €466,905▲ 44.6%
- Filing
- Filed on 06-04-2026, 116 days before the end of the filing period
Insights on RAIZA
RAIZA files the micro format. That format states no turnover. The gross margin rose from €163,412 in 2023 to €201,806 in 2025.
The balance sheet grew most from 2024 to 2025 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 RAIZA
- What is the company number of RAIZA?
- The company number of RAIZA is 0795.250.342. The VAT number is the same number with BE in front: BE 0795.250.342.
- Where is RAIZA based?
- The registered office is at Zeger van Heulestraat 36, 8501 Kortrijk.Company details
- What does RAIZA do?
- According to the KBO register, the main activity is other business support services (NACE 82990).
- What is the legal form of RAIZA?
- RAIZA is a private limited company (BV).
- When was RAIZA founded?
- RAIZA was founded on 22-12-2022.
- Is RAIZA still active?
- Yes, RAIZA is an active enterprise in the KBO register.
- What is the turnover of RAIZA?
- The turnover in financial year 2025 is ≈ €300,000. This figure is estimated from the gross margin of €201,806 and 31 comparable companies (NACE 82990). It probably lies between €240,000 and €420,000.Financials
- Is RAIZA profitable?
- In financial year 2025, RAIZA made a profit of €139,725.
- Where can I find the annual accounts of RAIZA?
- RAIZA filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RAIZA due?
- RAIZA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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