Financials
- Fiscal year
- 2025
- Total assets
- €2.7m
- Profit
- €961,581
- Solvency
- 41.4%
Total assets▲ 32.7%
Net result
20222025
Ray Care
ActiveSummary
The computed 12-month bankruptcy probability of Ray Care is 2.1% (moderate). The 2025 annual accounts show equity of €1.1m and a net result of €961,581. Equity is growing by ~498.8% per year across the filed fiscal years. Its solvency ranks better than 48% of 8741 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Wholesale of perfume and cosmetics
NACE 46450Manufacture of chemicals and chemical products NACE 20420
7 sites
How big
€2.7mtotal assets 2025
- Staff
- 21.7 FTE
- Equity
- €1.1m
- Profit
- €961,581
Turnover not published (abridged schema)
Who decides
Accounts filed 33 d late1 of 4 deeds read
Why 55- Founded in 2021- 1 change of registered office in 24 months- Latest accounts 33 days late; 1 of the last 3 late+ Figures for FY 2025 (filed 02-09-2026)Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 75% of its sector peers (NACE 46, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
66+33
equity 41.4% of total assets
Liquidity
45-9
short-term debt 40.0% · cash 11.2%
Profitability
100=
return on assets 35.7%
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
- Founded in 2021 raises the probability for this profile
- Figures for FY 2025 (filed 02-09-2026) lowers the probability
- 1 change of registered office in 24 months raises the probability
- Latest accounts 33 days late; 1 of the last 3 late raises the probability
Credit up to €60,000 at 30 days acceptable
Liquidity short (current ratio 0.8 against 0.77 in 2024; short-term debt: 40% and cash: 11.2% of total assets), and 58.6% 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 46, small). Better than this share of them on solvency 48%, liquidity 53%, profitability 99%, growth against the median 100%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-09-2026, 33 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 · 4 filingsDeviation from the deadline
2025
33 d late
2024
21 d late
2023
65 d early
2022
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 13 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 27 August (3 of the last 4 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Registered officeRegistered-office move · Power of…
- Highest result since 2022net €961,581 ▲30%
Key points
By topic
Timeline
- Events
- 8
- Since
- 2023
- Next accounts
- by 31-07-2027
- 02-09-2026Annual accounts filed
- 03-06-2026Registered office
- 31-12-2025Highest result since 2022
Company details
- Sites
- 7
- Legal form
- Private limited company
- Activity
- Wholesale of perfume and cosmeticsNACE 46450
- Founded
- 01-03-2021
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies
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