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Generated 22-08-2026
Active BE 0778.597.719Limited partnership

RATO training center

Kardinaal Mercierlei 71 ·2600 Antwerpen, Belgium· 4 yrs active
Sector: Overige vormen van onderwijs (85599)
Conclusion Checked

The computed 12-month bankruptcy probability of RATO training center is 0.6% (low). The 2022 annual accounts show negative equity (€-56) and a net result of €-306. Its solvency ranks better than 7% of 459 sector peers (fiscal year 2022). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €-56
Net result €-306
Better than sector 7%
Active 4 yrs
Financial profile 4 of 5 axes measured · computed by Checked
Health20Profitability100Solvency33Growth-Stability79
58 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 20
Profitability 100
Solvency 33
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Lower-failure-rate sector −Lower-risk legal form −

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

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2022 · computed
20 / 100 Critical
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 13-05-2023 with the NBB · fiscal year 2022 · micro
Sector comparison
Fiscal year 2022 · NACE 85 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -134.9% 36.2%
better than 7% of 459 sector peers
Net result €-306 €4k
better than 34% of 457 sector peers
Equity €-56 €13k
better than 20% of 459 sector peers
Gross operating margin €538 €14k
better than 22% of 457 sector peers
Total assets €42 €51k
better than 5% of 460 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2022
Depositmicro
Revenue-
EBITDA-
Net profit€-306
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€42
Equity€-56
Debt€98
of which ≤ 1y€98
of which > 1y-
Working capital€-56
Employees (FTE)-
Ratios (computed)
2022
Current ratio0.43
Quick ratio0.43
Working capital ratio-134.9%
Solvency-134.9%
Debt / equity-1.74
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-737.3%
ROE546.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts (15 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€42
Current assets 29/58€42
Cash & bank 54/58€42
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€42
Equity 10/15€-56
Contributions / capital 10/11€250
Accumulated profits (losses) 14€-306
Amounts payable 17/49€98
Amounts payable within one year 42/48€98
Income statement
Gross operating margin 9900€538
Operating result 9901€-260
Financial charges 65€47
Result before taxes 9903€-306
Net result for the period 9904€-306
Result to be appropriated 9905€-306
Ratios computed by Checked.
Legal Structure
NACE primary Overige vormen van onderwijs(85599)
Legal form Limited partnership(612)
Incorporation14-12-2021
StatusActive
Postal code2600
Establishment units 1 location
RATO training center
Kardinaal Mercierlei 71, 2600 AntwerpenOverige vormen van onderwijs
since 20212.325.395.351
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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%)
Parcel (capakey) Region Area Buildings Height / fl.
11303B0355/00D004
ProtectedTownscape or village viewKardinaal Mercierlei met omgevingSource ↗
 Flanders 157 m² 1 · 97 m² 15.5 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 1 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2023
13-05-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Overige vormen van onderwijs85599
Primary activity highlighted.
Names & trade names
Legal nameNL RATO training center
Registered office
Kardinaal Mercierlei 71
2600 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative