RAY GROUP
Open bankruptcyA bankruptcy procedure is open for RAY GROUP according to publications in the Belgian State Gazette; curator: LUCILLE BERMOND.
Summary
The 2022 annual accounts show equity of €52,832 and a net result of €3,815.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- French-language Enterprise Court of Brussels
- Declared bankrupt
- 24 April 2026
- Supervising judge
- Pierre-Yves Vandestrick
- Official Gazette
- 06-05-2026 (pdf) ↗search the document for 2026/119838
Deadlines
- Appeal or third-party opposition until
- passed on 21 May 2026Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 24 May 2026art. XX.104 and XX.155 CEL
- First verification report
- passed on 3 June 2026Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- 24 April 2027Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Lucille BermondChaussee De La Hulpe 187, 1170 Watermael-Boitsfortl.bermond@janson.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Two signals.
+raises risk
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?Process a list How is the Limited-service restaurants, excluding mobile food services sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2022, micro schema
Turnover
€108,496
EBIT margin
0.7%
Net result
€3,815▼ 66.7%
2021 · €11,462
Working capital
€40,528▲ 33.8%
2021 · €30,284
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202020212022
Turnover€108,496
Operating result€16,791--€1,169€751
Net result€18,555within the sector's middle half-€11,462within the sector's middle half▼ 38.2%€3,815within the sector's middle half▼ 66.7%
EBIT margin0.7%
Equity€37,555within the sector's middle half-€49,017within the sector's middle half▲ 30.5%€52,832within the sector's middle half▲ 7.8%
Total assets€65,577within the sector's middle half-€77,241within the sector's middle half▲ 17.8%€74,993within the sector's middle half▼ 2.9%
Debt€28,021-€28,223▲ 0.7%€22,161▼ 21.5%
Working capital€16,367within the sector's middle half-€30,284within the sector's middle half▲ 85.0%€40,528above the sector's middle half▲ 33.8%
Solvency57.3%above the sector's middle half-63.5%above the sector's middle half▲ 6.2pp70.4%above the sector's middle half▲ 7.0pp
Current ratio1.68within the sector's middle half-2.26above the sector's middle half▲ 0.583.84above the sector's middle half▲ 1.58
Return on assets (ROA)28.3%above the sector's middle half-14.8%within the sector's middle half▼ 13.5pp5.1%within the sector's middle half▼ 9.8pp
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2022: €751 after a loss of €1,169 in 2021.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €74,993
Fixed assets
€20,173 ▼ 11.8%
Current assets
€54,820 ▲ 0.8%
Equity and liabilities €74,993
Equity
€52,832 ▲ 7.8%
Debt
€22,161 ▼ 21.5%
Debt's share of the balance-sheet total falls from 36.5% to 29.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€3,457▲
2021 · €1,491
Cash flow
€6,521▼
2021 · €14,122
Quick ratio
3.66▲
2021 · 2.15
Debt to equity
0.42▼
2021 · 0.58
ROE
7.2%▼
2021 · 23.4%
Interest coverage
3.69▲
2021 · 1.89
Debt ≤ 1 year
€14,292▼
2021 · €24,078
Staff costs
€3,398▼
2021 · €10,388
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|
| Turnover70 | - | - | €108,496 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €101,064 | - |
| Remuneration, social security and pensions62 | - | €10,388 | €3,398 | ▼ 67.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,615 | €2,660 | €2,706 | ▲ 1.7% |
| Other operating charges640/8 | - | €95 | €578 | ▲ 507% |
| Gross operating margin9900 | €47,669 | €11,974 | €7,432 | ▼ 37.9% |
| Operating profit (loss)9901 | €16,791 | -€1,169 | €751 | ▲ 164% |
| Financial income75/76B | - | €13,421 | €4,000 | ▼ 70.2% |
| Recurring financial income75 | - | €13,421 | €4,000 | ▼ 70.2% |
| Non-recurring financial income76B | - | €13,421 | €4,000 | ▼ 70.2% |
| Financial charges65/66B | - | €790 | €936 | ▲ 18.5% |
| Recurring financial charges65 | €1,384 | €790 | €936 | ▲ 18.5% |
| Profit (loss) for the period before taxes9903 | €22,407 | €11,462 | €3,815 | ▼ 66.7% |
| Income taxes67/77 | €3,852 | - | - | - |
| Profit (loss) for the period9904 | €18,555 | €11,462 | €3,815 | ▼ 66.7% |
| Profit (loss) for the period to be appropriated9905 | €18,555 | €11,462 | €3,815 | ▼ 66.7% |
| Line | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €65,577 | €77,241 | €74,993 | ▼ 2.9% |
| Fixed assets21/28 | €25,036 | €22,879 | €20,173 | ▼ 11.8% |
| Intangible fixed assets21 | €16,833 | €14,833 | €12,833 | ▼ 13.5% |
| Tangible fixed assets22/27 | €2,103 | €1,945 | €1,240 | ▼ 36.3% |
| Plant, machinery and equipment23 | - | €1,945 | €1,240 | ▼ 36.3% |
| Financial fixed assets28 | €6,100 | €6,100 | €6,100 | = |
| Current assets29/58 | €40,540 | €54,362 | €54,820 | ▲ 0.8% |
| Stocks and contracts in progress3 | €882 | €2,693 | €2,530 | ▼ 6.1% |
| Stocks30/36 | - | €2,693 | €2,530 | ▼ 6.1% |
| Amounts receivable within one year40/41 | €7,270 | €7,779 | €5,752 | ▼ 26.1% |
| Trade receivables40 | - | €270 | €104 | ▼ 61.4% |
| Other amounts receivable41 | - | €7,509 | €5,648 | ▼ 24.8% |
| Cash at bank and in hand54/58 | €32,388 | €43,889 | €42,776 | ▼ 2.5% |
| Deferred charges and accrued income490/1 | - | - | €3,761 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €65,577 | €77,241 | €74,993 | ▼ 2.9% |
| Equity10/15 | €37,555 | €49,017 | €52,832 | ▲ 7.8% |
| Contributions10/11 | €19,000 | €19,000 | €19,000 | = |
| Capital10 | - | €19,000 | €19,000 | = |
| Issued capital100 | - | €19,000 | €19,000 | = |
| Reserves13 | €928 | €928 | €935 | ▲ 0.8% |
| Non-distributable reserves130/1 | - | €928 | €935 | ▲ 0.8% |
| Legal reserve130 | - | €928 | €935 | ▲ 0.8% |
| Profit (loss) carried forward14 | €17,628 | €29,090 | €32,897 | ▲ 13.1% |
| Amounts payable17/49 | €28,021 | €28,223 | €22,161 | ▼ 21.5% |
| Amounts payable within one year42/48 | €24,173 | €24,078 | €14,292 | ▼ 40.6% |
| Trade debts44 | €4,233 | €8,591 | €986 | ▼ 88.5% |
| Suppliers440/4 | - | €8,591 | €986 | ▼ 88.5% |
| Taxes, remuneration and social security45 | - | €4,487 | €2,097 | ▼ 53.3% |
| Taxes450/3 | - | €3,852 | €497 | ▼ 87.1% |
| Remuneration and social security454/9 | - | €635 | €1,600 | ▲ 152% |
| Other amounts payable47/48 | - | €11,000 | €11,210 | ▲ 1.9% |
| Accrued charges and deferred income492/3 | - | €4,145 | €7,869 | ▲ 89.8% |
| Line | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,555 | €11,462 | €3,815 | ▼ 66.7% |
| + Depreciation and write-downs630 | €3,615 | €2,660 | €2,706 | ▲ 1.7% |
| Operating cash flow (approximation) | €22,170 | €14,122 | €6,521 | ▼ 53.8% |
| Investment in fixed assets (approximation) | - | -€502 | €0 | ▲ 100% |
| Change in cash | - | €11,501 | -€1,113 | ▼ 110% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
06-05
Bankruptcy
Opening
Tribunal de l’entreprise francophone de Bruxelles · event 24-04-2026
2023
11-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 133 days late
2022
31-12
Financial
Weakest financial yearnet €3,815 ▼66.7%
Net result drops to €3,815, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 90 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2019
Ground area
360 m²
Building footprint
163 m²
Volume, LiDAR
2,220 m³
Parcel 21013B0335/00A009, Brussels · tallest building 19.5 m, ±6 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Charleroise Steenweg 197, 1060 Sint-Gillis (bij-Brussel)
since 20192.291.199.287
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0335/00A009 | Brussels | 360 m² | 1 · 163 m² | 19.5 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | LUCILLE BERMOND CHAUSSEE DE LA HULPE 187,
1170 WATERMAEL-BOITSFORT |
24-04-2026 → present |
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis2.291.199.287
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,781. 8,373 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.