Ravijts J
ActiveRavijts J has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €665k and a net result of €150k. Equity is growing by ~30% per year across the filed fiscal years. Its solvency ranks better than 70% of 7684 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 3.87 against 2.68 in 2024), and 39% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 43
higher
← 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
61%
Return on assets
13.8%
Age of the figures
17 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 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
on the day
2022
10 d late
2021
4 d late
2020
26 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close13-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€665k▲ 29.1%
2024 · €515k
2019: €148k
2020: €179k
2021: €171k
2022: €237k
2023: €318k
2024: €515k
2019 → 2025
Total assets
€1.09M▲ 7.2%
2024 · €1.02M
2019: €361k
2020: €263k
2021: €382k
2022: €419k
2023: €521k
2024: €1.02M
2019 → 2025
Net result
€150k▼ 59.1%
2024 · €367k
2019: €115k
2020: €31k
2021: €59k
2022: €66k
2023: €81k
2024: €367k
2019 → 2025
Working capital
€756k▲ 28.5%
2024 · €588k
2019: €132k
2020: €156k
2021: €158k
2022: €219k
2023: €293k
2024: €588k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€171k-€237k▲ 38.6%€318k▲ 34.3%€515k▲ 61.9%€665k▲ 29.1%
Operating result€75k-€86k▲ 14.3%€111k▲ 29.3%€462k▲ 315%€209k▼ 54.8%
Net result€59k-€66k▲ 11.7%€81k▲ 23.2%€367k▲ 352%€150k▼ 59.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€71k▼ 10.0%
Current assets
€1.02M▲ 8.6%
Equity and liabilities €1.09M
Equity
€665k▲ 29.1%
Debt
€425k▼ 15.3%
The debt ratio falls from 49.3% to 39.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€230k▼
2024 · €472k
Cash flow
€171k▼
2024 · €377k
Solvency
61.0%▲
2024 · 50.7%
Current ratio
3.87▲
2024 · 2.68
Quick ratio
3.32▲
2024 · 2.24
Debt / equity
0.64▼
2024 · 0.97
ROE
22.6%▼
2024 · 71.2%
ROA
13.8%▼
2024 · 36.1%
Interest coverage
11.45▼
2024 · 86.24
Debt
€425k▼
2024 · €502k
Debt ≤ 1 year
€264k▼
2024 · €350k
Debt > 1 year
€141k▼
2024 · €150k
Income taxes
€52k▼
2024 · €99k
Staff costs
€249k▲
2024 · €161k
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€1.02M€1.09M▲
Fixed assets21/28€78k€71k▼
Tangible fixed assets22/27€78k€70k▼
Plant, machinery and equipment23€12k€12k▼
Furniture and vehicles24€34k€33k▼
Leasing and similar rights25€32k€26k▼
Financial fixed assets28€135€135=
Current assets29/58€938k€1.02M▲
Stocks and contracts in progress3€155k€145k▼
Stocks30/36€95k€96k▲
Contracts in progress37€59k€49k▼
Amounts receivable within one year40/41€629k€652k▲
Trade receivables40€332k€360k▲
Other amounts receivable41€297k€291k▼
Cash at bank and in hand54/58€143k€214k▲
Deferred charges and accrued income490/1€11k€9k▼
Equity and liabilities
Total equity and liabilities10/49€1.02M€1.09M▲
Equity10/15€515k€665k▲
Contributions10/11€19k€19k=
Reserves13€99k€99k=
Tax-exempt reserves132€97k€97k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€398k€548k▲
Amounts payable17/49€502k€425k▼
Amounts payable after more than one year17€150k€141k▼
Financial debts170/4€150k€141k▼
Amounts payable within one year42/48€350k€264k▼
Current portion of amounts payable after more than one year42€46k€37k▼
Trade debts44€129k€179k▲
Suppliers440/4€129k€179k▲
Taxes, remuneration and social security45€39k€14k▼
Taxes450/3€36k€1k▼
Remuneration and social security454/9€2k€13k▲
Other amounts payable47/48€136k€33k▼
Accrued charges and deferred income492/3€2k€20k▲
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€161k€249k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€21k▲
Other operating charges640/8€1k€904▼
Gross operating margin9900€634k€479k▼
Operating profit (loss)9901€462k€209k▼
Financial income75/76B€9k€14k▲
Recurring financial income75€9k€14k▲
Financial charges65/66B€5k€20k▲
Recurring financial charges65€5k€20k▲
Profit (loss) for the period before taxes9903€466k€202k▼
Income taxes67/77€99k€52k▼
Profit (loss) for the period9904€367k€150k▼
Transfer to tax-exempt reserves689€97k-
Profit (loss) for the period to be appropriated9905€270k€150k▼
Appropriation of the result
Profit (loss) to be appropriated9906€568k€548k▼
Profit (loss) brought forward from the previous period14P€298k€398k▲
Profit to be distributed694/7€170k-
Return on contributions (dividend)694€90k-
Directors or managers695€80k-
Social balance
Average headcount (FTE)90874.54.6▲
The notes to these accounts (14 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Highest result since 2019net €367k ▲352%
Operating result €462k, net result €367k, both a record.
31-03
Financial
Equity above €500kEq €515k ▲61.9%
6 profitable years in a row build equity to €515k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
10-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
31-03
Financial
Equity above €200kEq €237k ▲38.6%
4 profitable years in a row build equity to €237k.
2021
04-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 4 days late
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
31-03
Financial
Weakest financial yearnet €31k ▼72.8%
Net result drops to €31k, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €150kEq €179k ▲21.3%
2 profitable years in a row build equity to €179k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
13-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
23-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Hamme (Vl.) · 1 establishment unit since 2013
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.
Heirbaan 2569220 Hamme (Vl.)Ground area
1,408 m²
Building footprint
1,128 m²
Volume, LiDAR
6,054 m³
Parcel 42452C1397/00D002, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVBA Ravijts J
since 20132.222.641.469
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452C1397/00D002 | Flanders | 1,408 m² | 1 · 1,128 m² | 7.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 288 EUR awarded · 288 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 288 EUR | 288 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
3 endedSimilar companies · same sector, comparable size
KLIMATERRA-WP
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V.D.S. CHAUFFAGE
BE 0438.472.266
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WELEK SERVICE
BE 0822.035.012
Essen · Eq €665k
CENTRALE VERWARMING MOESKOP
BE 0870.188.384
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TECHBOX COOLING
BE 0665.521.552
Bredene · Eq €666k
Of 9,478 companies in sector 43222 we hold annual accounts for 5,626. 3,653 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2013
Fiscal year end31-03
Trade name NL
Ravijts
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43240Other construction installation
43299Specialised construction activities
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:johan@ravijts.be
Phone:0032475441235