Raphaël LOIX
ActiveSummary
The computed 12-month bankruptcy probability of Raphaël LOIX is 1.7% (moderate). The 2024 annual accounts show negative equity (€-14k) and a net result of €-21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 36375 sector peers (fiscal year 2024). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency0▼-36
Growth68=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.72 against 1.05 in 2023; short-term debt: 123.1% and cash: 26.5% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
-25%
Return on assets
-36.9%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-14k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
22 d late
2022
60 d late
2021
25 d late
2020
61 d late
2019
108 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€546k▲ 84.5%
2018 · €296k
EBIT margin
11.4%▲ 7.5pp
2018 · 4.0%
Net result
€-21k▲ 22.8%
2023 · €-27k
Working capital
€-19k
2023 · €3k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover
Operating result€26k▼ 58.7%€3k▼ 87.8%€-16k€-22k▼ 39.7%€-15k▲ 34.1%
Net result€24k▼ 59.4%€183▼ 99.2%€-22k€-27k▼ 25.2%€-21k▲ 22.8%
EBIT margin
Equity€30k▲ 372%€30k▲ 0.6%€9k▼ 71.3%€7k▼ 22.5%€-14k
Total assets€186k▲ 37.0%€116k▼ 37.7%€125k▲ 7.8%€63k▼ 49.4%€56k▼ 10.7%
Debt€156k▲ 20.5%€85k▼ 45.1%€116k▲ 35.8%€56k▼ 51.4%€70k▲ 24.9%
Working capital€12k€19k▲ 51.5%€27k▲ 41.7%€3k▼ 88.7%€-19k
Staff (FTE)3.4▲ 17.2%3.4=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2024 against €22k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €56k
Fixed assets
€6k ▲ 43.1%
Current assets
€50k ▼ 14.8%
Key figures and ratios
EBITDA
€-12k▲
2023 · €-19k
Cash flow
€-18k▲
2023 · €-23k
Solvency
-25.0%▼
2023 · 10.6%
Current ratio
0.72▼
2023 · 1.05
Quick ratio
0.70▼
2023 · 0.74
Debt to equity
-4.99▼
2023 · 8.43
ROA
-36.9%▲
2023 · -42.7%
Interest coverage
-1.97▲
2023 · -4.11
Debt ≤ 1 year
€69k▲
2023 · €56k
Income taxes
€140▲
2023 · €120
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €94k | €3k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €6k | €4k | €4k | €3k | ▼ 18.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €1k | - | - | - |
| Other operating charges640/8 | - | €21k | €1k | €5k | €1k | ▼ 75.7% |
| Non-recurring operating charges66A | - | - | €6k | €480 | - | - |
| Gross operating margin9900 | €167k | €124k | €128 | €-13k | €-10k | ▲ 18.3% |
| Operating profit (loss)9901 | €26k | €3k | €-16k | €-22k | €-15k | ▲ 34.1% |
| Financial income75/76B | - | €177 | - | €38 | €2 | ▼ 93.8% |
| Recurring financial income75 | €180 | €177 | - | €38 | €2 | ▼ 93.8% |
| Financial charges65/66B | - | €3k | €6k | €5k | €6k | ▲ 31.3% |
| Recurring financial charges65 | €2k | €3k | €6k | €5k | €6k | ▲ 31.3% |
| Profit (loss) for the period before taxes9903 | €24k | €674 | €-22k | €-27k | €-21k | ▲ 22.9% |
| Income taxes67/77 | €60 | €491 | - | €120 | €140 | ▲ 16.7% |
| Profit (loss) for the period9904 | €24k | €183 | €-22k | €-27k | €-21k | ▲ 22.8% |
| Profit (loss) for the period to be appropriated9905 | €24k | €183 | €-22k | €-27k | €-21k | ▲ 22.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €186k | €116k | €125k | €63k | €56k | ▼ 10.7% |
| Fixed assets21/28 | €18k | €12k | €8k | €4k | €6k | ▲ 43.1% |
| Tangible fixed assets22/27 | €18k | €12k | €8k | €4k | €6k | ▲ 49.1% |
| Plant, machinery and equipment23 | - | €10k | €6k | €3k | €6k | ▲ 78.0% |
| Furniture and vehicles24 | - | €2k | €1k | €1k | €602 | ▼ 40.7% |
| Financial fixed assets28 | €426 | €426 | €235 | €235 | €86 | ▼ 63.4% |
| Current assets29/58 | €168k | €103k | €117k | €59k | €50k | ▼ 14.8% |
| Stocks and contracts in progress3 | €4k | €35k | €32k | €18k | €2k | ▼ 91.4% |
| Stocks30/36 | - | €35k | €32k | €18k | €2k | ▼ 91.4% |
| Amounts receivable within one year40/41 | €109k | €51k | €59k | €33k | €34k | ▲ 0.4% |
| Trade receivables40 | - | €45k | €59k | €32k | €29k | ▼ 10.7% |
| Other amounts receivable41 | - | €6k | - | €981 | €5k | ▲ 369% |
| Cash at bank and in hand54/58 | €55k | €17k | €26k | €8k | €15k | ▲ 98.2% |
| Deferred charges and accrued income490/1 | - | €370 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €186k | €116k | €125k | €63k | €56k | ▼ 10.7% |
| Equity10/15 | €30k | €30k | €9k | €7k | €-14k | ▼ 311% |
| Contributions10/11 | - | €19k | €19k | €44k | €44k | = |
| Reserves13 | €2k | €7k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | - | - |
| Distributable reserves133 | - | €5k | - | - | €2k | - |
| Profit (loss) carried forward14 | €9k | €4k | €-12k | €-39k | €-60k | ▼ 53.1% |
| Amounts payable17/49 | €156k | €85k | €116k | €56k | €70k | ▲ 24.9% |
| Amounts payable after more than one year17 | - | - | €25k | - | - | - |
| Other amounts payable178/9 | - | - | €25k | - | - | - |
| Amounts payable within one year42/48 | €155k | €85k | €90k | €56k | €69k | ▲ 24.5% |
| Financial debts43 | - | €24k | €25k | €25k | €25k | = |
| Credit institutions430/8 | - | €24k | €25k | €25k | €25k | = |
| Trade debts44 | €82k | €47k | €49k | €25k | €31k | ▲ 24.7% |
| Suppliers440/4 | - | €47k | €49k | €25k | €31k | ▲ 24.7% |
| Taxes, remuneration and social security45 | - | €7k | €11k | €6k | €9k | ▲ 46.6% |
| Taxes450/3 | - | €3k | €11k | €6k | €9k | ▲ 46.6% |
| Remuneration and social security454/9 | - | €4k | - | - | - | - |
| Other amounts payable47/48 | - | €8k | €5k | €709 | €6k | ▲ 679% |
| Accrued charges and deferred income492/3 | - | €921 | €1k | €719 | €1k | ▲ 55.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24k | €183 | €-22k | €-27k | €-21k | ▲ 22.8% |
| + Depreciation and write-downs630 | €9k | €6k | €4k | €4k | €3k | ▼ 18.8% |
| Operating cash flow (approximation) | €33k | €6k | €-18k | €-23k | €-18k | ▲ 23.4% |
| Investment in fixed assets (approximation) | - | €0 | €192 | €0 | €-5k | - |
| Change in cash | - | €-37k | €8k | €-18k | €7k | ▲ 141% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2019
31-12
Financial
Highest result since 2018net €58k ▲1,035%
Operating result €62k, net result €58k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Geer · 1 establishment unit since 2005
Ground area
4,970 m²
Building footprint
162 m²
Volume, LiDAR
1,400 m³
Parcel 64036A0914/00Z002, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Raphaël LOIX
since 20052.146.581.987
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64036A0914/00Z002 | Wallonia | 4,970 m² | 1 · 162 m² | 10.3 m · 3 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.
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Of 3,959 companies in sector 43331 we hold annual accounts for 1,787. 859 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-04-2005
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
81300Landscape service activities
43120Site preparation
43320Joinery installation
Contact
Phone
0473.949101Geer
Scores and ratios are computed by Checked and are not a credit decision.