Ravy
ActiveSummary
Ravy has been active since 1950 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €271,471 and a net result of €2,853, of which €6,295 non-recurring income. Equity has been growing by about 6% per year since 2018. The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 14-02-1950 Normal situation
- Activity
- “De handel en de productie van textielproducten en meer bepaald de confectie en de…” (deed in Dutch)From the articlesNo NACE code in the KBO yet
- Establishment unit
- 2.004.325.153 3000 Leuven, since 01-02-1950
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Board and ownership
- Ravoet BertrandManaging director
- Frank RavoetManaging director
- Bertand RavoetManaging director
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €29,285
- ▼ 35.6%
- Turnover
- ≈ €120,000
- estimated
- Profit
- €2,853
- ▼ 81.7%
- Equity
- €271,471
- ▲ 1.1%
- Total assets
- €281,527
- ▲ 1.4%
Score breakdownlowers riskSize: total assets €281,527Founded in 1950Equity €271,471 (96.4% of total assets)Liquidity: current ratio 16.07, cash €59,231Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 81% of them on solvency, 70% on liquidity, 31% on profitability and 52% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 41 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 21-05-2026 PDF all 49 filings
Every figure per financial year
The operating result for 2025 is 82% lower than in 2024 and the lowest since 2021. It is the second fall in a row.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €13,940 | - | - | €14,196 | - |
| Financial fixed assets | - | - | - | - | €0 |
| Depreciation and write-downs of the year | €10,841 | €10,986 | €10,986 | €11,545 | €13,064 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | - | €6,295 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,383 | €9,838 | €6,745 | €10,841 | €10,986 | €10,986 | €11,545 | €13,064 | ▲ 13.2% |
| Other operating charges640/8 | - | - | - | €10,034 | €10,271 | €11,583 | €11,703 | €12,115 | ▲ 3.5% |
| Gross operating margin9900 | €28,276 | €47,927 | €41,624 | €32,208 | €33,923 | €53,292 | €45,466 | €29,285 | ▼ 35.6% |
| Operating profit (loss)9901 | €9,034 | €29,464 | €24,917 | €11,333 | €12,666 | €30,723 | €22,219 | €4,105 | ▼ 81.5% |
| Financial income75/76B | - | - | - | - | €1 | €14 | €1,601 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | - | - | - | €1 | €14 | €1,601 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | - | €139 | €106 | €45 | €81 | -€170 | - |
| Recurring financial charges65 | €432 | €110 | €60 | €139 | €106 | €45 | €81 | -€170 | - |
| Profit (loss) for the period before taxes9903 | €8,602 | €29,354 | €24,857 | €11,194 | €12,560 | €30,692 | €23,739 | €4,276 | ▼ 82.0% |
| Income taxes67/77 | €3,001 | €11,083 | €8,083 | €3,726 | €4,177 | €10,236 | €8,146 | €1,423 | ▼ 82.5% |
| Profit (loss) for the period9904 | €5,602 | €18,272 | €16,774 | €7,468 | €8,383 | €20,455 | €15,593 | €2,853 | ▼ 81.7% |
| Profit (loss) for the period to be appropriated9905 | €5,602 | €18,272 | €16,774 | €7,468 | €8,383 | €20,455 | €15,593 | €2,853 | ▼ 81.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €191,407 | €214,257 | €236,650 | €237,423 | €241,979 | €264,611 | €277,680 | €281,527 | ▲ 1.4% |
| Fixed assets21/28 | €147,965 | €138,127 | €149,221 | €152,320 | €141,334 | €130,348 | €132,999 | €119,935 | ▼ 9.8% |
| Tangible fixed assets22/27 | €147,965 | €138,127 | €149,221 | €152,320 | €141,334 | €130,348 | €132,999 | €119,935 | ▼ 9.8% |
| Land and buildings22 | - | - | - | €152,320 | €141,334 | €130,348 | €132,999 | €119,935 | ▼ 9.8% |
| Current assets29/58 | €43,442 | €76,130 | €87,430 | €85,103 | €100,645 | €134,264 | €144,681 | €161,593 | ▲ 11.7% |
| Amounts receivable within one year40/41 | €71 | - | - | - | - | - | €1,262 | €0 | ▼ 100% |
| Trade receivables40 | - | - | - | - | - | - | €1,262 | €0 | ▼ 100% |
| Current investments50/53 | - | - | - | - | - | - | €101,000 | €101,241 | ▲ 0.2% |
| Cash at bank and in hand54/58 | €42,390 | €75,112 | €86,335 | €84,277 | €99,725 | €133,234 | €41,351 | €59,231 | ▲ 43.2% |
| Deferred charges and accrued income490/1 | - | - | - | €826 | €921 | €1,030 | €1,067 | €1,120 | ▲ 5.0% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €191,407 | €214,257 | €236,650 | €237,423 | €241,979 | €264,611 | €277,680 | €281,527 | ▲ 1.4% |
| Equity10/15 | €181,672 | €199,944 | €216,718 | €224,186 | €232,569 | €253,024 | €268,618 | €271,471 | ▲ 1.1% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | - | - | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | - | - | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €58,068 | €76,340 | €93,114 | €100,582 | €108,965 | €129,420 | €145,014 | €147,867 | ▲ 2.0% |
| Non-distributable reserves130/1 | - | - | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | - | - | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | - | - | - | €94,382 | €102,765 | €123,220 | €138,814 | €141,667 | ▲ 2.1% |
| Profit (loss) carried forward14 | €61,604 | €61,604 | €61,604 | €61,604 | €61,604 | €61,604 | €61,604 | €61,604 | = |
| Amounts payable17/49 | €9,734 | €14,313 | €19,933 | €13,237 | €9,410 | €11,587 | €9,062 | €10,056 | ▲ 11.0% |
| Amounts payable within one year42/48 | €9,734 | €14,313 | €19,933 | €13,237 | €9,410 | €11,587 | €9,062 | €10,056 | ▲ 11.0% |
| Trade debts44 | €4,193 | - | €319 | €980 | €1,277 | €1,123 | €974 | €560 | ▼ 42.5% |
| Suppliers440/4 | - | - | - | €980 | €1,277 | €1,123 | €974 | €560 | ▼ 42.5% |
| Taxes, remuneration and social security45 | - | - | - | €12,030 | €7,904 | €10,235 | €8,046 | €9,455 | ▲ 17.5% |
| Taxes450/3 | - | - | - | €12,030 | €7,904 | €10,235 | €8,046 | €9,455 | ▲ 17.5% |
| Other amounts payable47/48 | - | - | - | €227 | €229 | €229 | €42 | €42 | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,602 | €18,272 | €16,774 | €7,468 | €8,383 | €20,455 | €15,593 | €2,853 | ▼ 81.7% |
| + Depreciation and write-downs630 | €10,383 | €9,838 | €6,745 | €10,841 | €10,986 | €10,986 | €11,545 | €13,064 | ▲ 13.2% |
| Operating cash flow (approximation) | €15,985 | €28,109 | €23,519 | €18,309 | €19,369 | €31,441 | €27,138 | €15,917 | ▼ 41.3% |
| Investment in fixed assets (approximation) | - | €0 | -€17,838 | -€13,940 | €0 | €0 | -€14,196 | €0 | - |
| Change in cash | - | €32,722 | €11,223 | -€2,057 | €15,447 | €33,509 | -€91,883 | €17,880 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 17,041 companies had the same profile as Ravy has now. Two years later, 94.3% were still going and 0.5% had gone bankrupt.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Ravy itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for Ravy. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 49 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 21-05-2026 | 2026-00118845 | |
| 31-12-2024 | micro format | 26-08-2025 | 2025-00445024 | |
| 31-12-2023 | micro format | 06-06-2024 | 2024-00115355 | |
| 31-12-2022 | micro format | 05-06-2023 | 2023-00109779 | |
| 31-12-2021 | micro format | 21-06-2022 | 2022-20077283 | |
| 31-12-2020 | micro format | 03-06-2021 | 2021-17200385 | |
| 31-12-2019 | micro format | 26-06-2020 | 2020-23500294 | |
| 31-12-2018 | micro format | 14-06-2019 | 2019-18700540 | |
| 31-12-2017 | micro format | 31-07-2018 | 2018-41900390 | |
| 31-12-2016 | micro format | 29-06-2017 | 2017-24900190 |
Board & ownership
Directors
Board 3
Day-to-day management 3
Owners and capital
Capital transactions
- 25-08-2023 Capital stated in the deed · €62,000 · 1,000 shares
Mandate history
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| Ravoet Bertrand |
|
| Bertand Ravoet |
|
| Frank Ravoet |
|
| Ravoet Gisèle |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Hoogstens zes jaar, minimum aantal leden dat door de wet is voorgeschreven”
Articles of association, deed of 25-08-2023 (in Dutch)
Network & group
Ravy shares no director with another company.
Connections & network
3 current directorsThe network starts from the directors of Ravy. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
09-06
Gazette deed
Reappointments: Frank Ravoet (director and managing director) and Bertand Ravoet (director and managing director)3 points ▸
- General meeting, 16-03-2026
- Director reappointment, Frank Ravoet (director and managing director)
- Director reappointment, Bertand Ravoet (director and managing director)
25-08
Gazette deed
Registered office moved to BeerselNew seat: 1652 Beersel (Alsemberg), J.B. Woutersstraat 13 · Previous seat: huidig adres · Amendment of the articles11 points ▸
- General meeting, 18-08-2023
- Amendment of the articles, mentioned 2 times in the deed
- Other provision, “1652 Beersel (Alsemberg),J.B.Woutersstraat 13” (deed in Dutch)
- Capital, €62,000
- General meeting, “opdracht aan ondergetekende notaris voor coördinatie en neerlegging, unanimiteit” (deed in Dutch)
- General meeting, “vaststelling zeteladres en communicatieadres, unanimiteit” (deed in Dutch)
- Registered office clause, “3000 Leuven, Frederik Lintstraat 45/1” (deed in Dutch)
- Board meeting, “onmiddellijk na deze vergadering, aanwezig of vertegenwoordigd” (deed in Dutch)
- Registered-office move, 1652 Beersel (Alsemberg), J.B. Woutersstraat 13
- Board composition, RAVOET Bertrand (director)
- Board composition, Frank (director)
24-03
Gazette deed
Resignation: Ravoet Gisèle (director)Reappointment: Ravoet Bertrand (director and managing director)3 points ▸
- General meeting, 04-04-2022
- Director resignation, Ravoet Gisèle (director)
- Director reappointment, Ravoet Bertrand (director and managing director)
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
Text of the purpose
“De handel en de productie van textielproducten en meer bepaald de confectie en de handel in hemden,ondergoed,werkkledij,enz. in hun meest ruime en brede zin en met alles wat er direct of indirect mee verband houdt.”
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23001C0366/00A000 | Flanders | 1,027 m² | 1 · 116 m² | 0.0 m |
| 24502C0265/00T002 | Flanders | 830 m² | 1 · 174 m² | 16.5 m · 4 |