Ralph Schröder Management
ActiveRalph Schröder Management has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €350k and a net result of €76k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 76% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 4.96 against 4.44 in 2024), and 19.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
80.1%
Return on assets
17.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
35 d early
2023
120 d early
2022
136 d early
2021
146 d early
2020
32 d early
2019
14 d early
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€350k▲ 22.9%
2024 · €285k
2018: €99k
2019: €100k
2020: €111k
2021: €114k
2022: €106k
2023: €191k
2024: €285k
2018 → 2025
Total assets
€438k▲ 19.5%
2024 · €366k
2018: €142k
2019: €127k
2020: €128k
2021: €155k
2022: €144k
2023: €328k
2024: €366k
2018 → 2025
Net result
€76k▼ 19.2%
2024 · €94k
2018: €49k
2019: €817
2020: €11k
2021: €14k
2022: €9k
2023: €115k
2024: €94k
2018 → 2025
Working capital
€345k▲ 24.6%
2024 · €277k
2018: €92k
2019: €100k
2020: €111k
2021: €111k
2022: €100k
2023: €181k
2024: €277k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€106k▼ 7.4%€191k▲ 81.0%€285k▲ 49.0%€350k▲ 22.9%
Operating result€23k-€15k▼ 35.7%€170k▲ 1,055%€137k▼ 19.5%€111k▼ 18.6%
Net result€14k-€9k▼ 39.8%€115k▲ 1,221%€94k▼ 18.6%€76k▼ 19.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €438k
Fixed assets
€5k▼ 40.4%
Current assets
€432k▲ 20.9%
Equity and liabilities €438k
Equity
€350k▲ 22.9%
Debt
€87k▲ 7.7%
The debt ratio falls from 22.1% to 19.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€115k▼
2024 · €140k
Cash flow
€79k▼
2024 · €97k
Solvency
80.1%▲
2024 · 77.9%
Current ratio
4.96▲
2024 · 4.44
Quick ratio
4.96▲
2024 · 4.44
Debt / equity
0.25▼
2024 · 0.28
ROE
21.6%▼
2024 · 32.9%
ROA
17.3%▼
2024 · 25.6%
Interest coverage
36.22▼
2024 · 63.13
Debt
€87k▲
2024 · €81k
Debt ≤ 1 year
€87k▲
2024 · €80k
Income taxes
€32k▼
2024 · €41k
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€366k€438k▲
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Furniture and vehicles24€8k€5k▼
Current assets29/58€358k€432k▲
Amounts receivable within one year40/41€228k€171k▼
Trade receivables40€227k€166k▼
Other amounts receivable41€887€5k▲
Cash at bank and in hand54/58€129k€260k▲
Deferred charges and accrued income490/1€868€1k▲
Equity and liabilities
Total equity and liabilities10/49€366k€438k▲
Equity10/15€285k€350k▲
Contributions10/11€6k€6k=
Reserves13€234k€299k▲
Distributable reserves133€234k€299k▲
Profit (loss) carried forward14€45k€45k▲
Amounts payable17/49€81k€87k▲
Amounts payable within one year42/48€80k€87k▲
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€78k€72k▼
Taxes450/3€78k€72k▼
Other amounts payable47/48-€10k
Accrued charges and deferred income492/3€438€20▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€607€620▲
Non-recurring operating charges66A€2k€436▼
Gross operating margin9900€143k€116k▼
Operating profit (loss)9901€137k€111k▼
Financial income75/76B€39€193▲
Recurring financial income75€39€193▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€134k€108k▼
Income taxes67/77€41k€32k▼
Profit (loss) for the period9904€94k€76k▼
Profit (loss) for the period to be appropriated9905€94k€76k▼
Appropriation of the result
Profit (loss) to be appropriated9906€138k€121k▼
Profit (loss) brought forward from the previous period14P€44k€45k▲
Transfer from equity791/2-€11k
Transfer to equity691/2€93k€76k▼
To other reserves6921€93k€76k▼
Profit to be distributed694/7-€11k
Return on contributions (dividend)694-€11k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €285k ▲49%
7 profitable years in a row build equity to €285k.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €115k ▲1221%
Operating result €170k, net result €115k, both a record.
31-12
Financial
Equity above €150kEq €191k ▲81%
6 profitable years in a row build equity to €191k.
17-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €111k ▲10.8%
3 profitable years in a row build equity to €111k.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €817 ▼98.3%
Net result drops to €817, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Liège · 1 establishment unit since 2012
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.
Rue Jean-d'Outremeuse 1004020 LiègeGround area
82 m²
Building footprint
59 m²
Volume, LiDAR
826 m³
Parcel 62808A0959/00R003, Wallonia · tallest building 16.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Ralph Schröder Management
since 20122.213.887.319
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62808A0959/00R003 | Wallonia | 82 m² | 1 · 59 m² | 16.4 m · 5 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.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 37,086 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.