Financials
- Fiscal year
- 2025
- Total assets
- €30,246
- Loss
- -€2,165
- Solvency
- 4.1%
Total assets▼ 80.8%
Net result
20212025
Ratio Consultancy
ActiveSummary
The computed 12-month bankruptcy probability of Ratio Consultancy is 1.7% (moderate). The annual accounts of Ratio Consultancy for fiscal year 2025 show a net loss of 64% of the equity at the start of that year. The 2025 annual accounts show equity of €1,230 and a net result of -€2,165. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 33831 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Other specialised construction activities
NACE 43990NACE 43999
1 site
Size
€30,246total assets 2025
- Equity
- €1,230
- Loss
- -€2,165
Turnover not published (abridged schema)
Structure
Accounts filed 31 d late0 of 1 deed read
Why 53- Latest accounts 31 days late; 1 of the last 3 late- Founded in 2021+ Liquidity: current ratio 1.04, cash €10,954, halved+ Size: total assets €30,246Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 17% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
29+2
equity 4.1% of total assets
Liquidity
45-5
short-term debt 95.9% · cash 36.2%
Profitability
20-80
return on assets -7.2%
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.8%
12-2024: 0.8%▼ -2.0% vs 11-2024
01-2025: 0.7%▼ -2.3% vs 12-2024
02-2025: 0.7%▼ -1.5% vs 01-2025
03-2025: 0.7%▲ +0.8% vs 02-2025
04-2025: 0.7%▼ -2.3% vs 03-2025
05-2025: 0.8%▲ +7.2% vs 04-2025
06-2025: 0.8%▲ +4.4% vs 05-2025
07-2025: 0.9%▲ +7.4% vs 06-2025
08-2025: 0.6%▼ -28.4% vs 07-2025
09-2025: 0.6%● 0.0% vs 08-2025
10-2025: 0.6%● 0.0% vs 09-2025
11-2025: 0.6%● 0.0% vs 10-2025
12-2025: 0.6%● 0.0% vs 11-2025
01-2026: 0.5%▼ -12.5% vs 12-2025
02-2026: 0.5%▼ -2.6% vs 01-2026
03-2026: 0.5%▼ -2.3% vs 02-2026
04-2026: 0.5%▼ -3.3% vs 03-2026lowest value
05-2026: 0.5%▲ +8.9% vs 04-2026
06-2026: 0.6%▲ +1.1% vs 05-2026
07-2026: 0.6%▲ +4.1% vs 06-2026
08-2026: 0.9%▲ +52.6% vs 07-2026
09-2026: 1.7%▲ +88.3% vs 08-2026highest value
10-2026: 1.7%● 0.0% vs 09-2026highest value
- Latest accounts 31 days late; 1 of the last 3 late raises the probability
- Liquidity: current ratio 1.04, cash €10,954, halved lowers the probability
- Size: total assets €30,246 lowers the probability for this profile
- Founded in 2021 raises the probability for this profile
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.04 against 1.02 in 2024; short-term debt: 95.9% and cash: 36.2% of total assets), and 95.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 10%, liquidity 36%, profitability 14%, growth against the median 7%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 33831 sector peers (2025).
NBB · sector comparisonPosition among 33831 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
1 d early
2022
3 d early
2021
6 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 4 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€2,165
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 7
- Since
- 2022
- Next accounts
- by 31-07-2027
- 31-08-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 30-07-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other specialised construction activitiesNACE 43990
- Founded
- 01-03-2021
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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