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Complete company report
Generated 31-07-2026
Active BE 0721.725.431Private limited companyOpen bankruptcy

RAY GROUP

Charleroise Steenweg 197 ·1060 Sint-Gillis (bij-Brussel), Belgium· 7 yrs active
Sector: Food & beverage service (56112)
Conclusion Checked

A bankruptcy procedure is open for RAY GROUP according to publications in the Belgian State Gazette. The 2022 annual accounts show equity of €53k and a net result of €4k.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €53k
Net result €4k
Better than sector 91%
Active 7 yrs
Snowflake analysis 5 axes · computed by Checked
Health28Profitability32Solvency100Growth52Stability0
42 / 100

Fragile profile, watch stability in particular.

Health 28
Profitability 32
Solvency 100
Growth 52
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High risk
Components
· Open bankruptcy (+50)
Trust signals 1 signals
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags 0 events
No administrative flags
Health barometer FY 2022 · computed
28 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 11-12-2023 with the NBB · fiscal year 2022 · micro
€-50k€0€50k€100kOperating result 2020: €17k€17kNet result 2020: €19k€19kOperating result 2021: €-1k€-1kNet result 2021: €11k€11kRevenue 2022: €108k€108kOperating result 2022: €751€751Net result 2022: €4k€4k202020212022
RevenueOperating resultNet result
Sector comparison
Fiscal year 2022 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 70.4% 16.5%
better than 91% of 3413 sector peers
Net result €4k €756
better than 58% of 3397 sector peers
Equity €53k €10k
better than 81% of 3417 sector peers
Gross operating margin €7k €34k
better than 28% of 3383 sector peers
Staff costs €3k €40k
higher than 11% of 2395 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€108k
- +38% vs sector
EBITDA
€3k
+131.9% -88% vs sector
Net profit
€4k
-66.7% -82% vs sector
Cash flow
€7k
-53.8% -77% vs sector
Total assets
€75k
-2.9% -30% vs sector
Equity
€53k
+7.8% -24% vs sector
Working capital
€41k
+33.8% -3% vs sector
Staff costs
€3k
-67.3% -94% vs sector
Income taxes
€4k
- far above sector median
Debt
€22k
-21.5% -48% vs sector
Debt ≤ 1y
€14k
-40.6% -59% vs sector
Current ratio
3.84
+69.9% +13% vs sector
Quick ratio
3.66
+70.5% +12% vs sector
Solvency
70.4%
+11.0% +8% vs sector
Debt / equity
0.42
-27.2% -33% vs sector
ROE
7.2%
-69.1% -70% vs sector
ROA
5.1%
-65.7% -60% vs sector
Net margin
3.5%
- -61% vs sector
EBITDA margin
3.2%
- -80% vs sector
Interest coverage
3.69
+95.7% -24% vs sector
Figures by fiscal year
Fiscal year2022
Revenue€108k
EBITDA€3k
Net profit€4k
Cash flow€7k
Staff costs€3k
Income taxes-
Dividends-
Total assets€75k
Equity€53k
Debt€22k
of which ≤ 1y€14k
of which > 1y-
Working capital€41k
Employees (FTE)-
Ratios (computed)
2022
Current ratio3.84
Quick ratio3.66
Working capital ratio54.0%
Solvency70.4%
Debt / equity0.42
Long-term debt ratio-
Interest coverage3.69
Gross margin6.9%
Net margin3.5%
ROA5.1%
ROE7.2%
EBITDA margin3.2%
Days sales outstanding0d
Days payable outstanding4d
Inventory turnover39.95
Days inventory (DSI)9d
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€75k
Fixed assets 21/28€20k
Intangible fixed assets 21€13k
Tangible fixed assets 22/27€1k
Financial fixed assets 28€6k
Current assets 29/58€55k
Stocks & contracts in progress 3€3k
Amounts receivable within one year 40/41€6k
Cash & bank 54/58€43k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€75k
Equity 10/15€53k
Contributions / capital 10/11€19k
Reserves 13€935
Accumulated profits (losses) 14€33k
Amounts payable 17/49€22k
Amounts payable within one year 42/48€14k
Trade debts payable within one year 44€986
Income statement
Turnover 70€108k
Gross operating margin 9900€7k
Operating result 9901€751
Financial income 75€4k
Financial charges 65€936
Result before taxes 9903€4k
Net result for the period 9904€4k
Result to be appropriated 9905€4k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates1 person
Role Name Tenure Source
Curator LUCILLE BERMOND
CHAUSSEE DE LA HULPE 187, 1170 WATERMAEL-BOITSFORT
 24-04-2026 → present Belgian State Gazette
Legal Structure
NACE primary Food & beverage service(56112)
Legal form Private limited company(610)
Incorporation28-02-2019
StatusActive
Postal code1060
First BS signal 06-05-2026
Latest BS signal 06-05-2026
Company structure, linked entities1 linked entities
RAY GROUPBE 0721.725.431LUCILLE BERMONDReceiver
Mandates
Establishment units 1 location
Charleroise Steenweg 197, 1060 Sint-Gillis (bij-Brussel)
Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden
since 20192.291.199.287
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.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21013B0335/00A009 Brussels 360 m² 1 · 163 m² 19.5 m · 6 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.
Updates 7 events

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

2026
06-05-2026
Bankruptcy Opening
Tribunal de l’entreprise francophone de Bruxelles · SRL RAY GROUP CHAUSSEE DE CHARLEROI 197, 1060 SAINT-GILLES · event 24-04-2026
2024
08-01-2024
State Gazette act Minor change
Agm rules change · Christian HUYLEBROUCK
2023
11-12-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
20-07-2023
State Gazette act Capital & shares
09-01-2023
State Gazette act Capital & shares
2022
31-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
29-10-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
Lifecycle & Insolvency Signals 1 events
06-05-2026
Bankruptcy Opening
Date: 24-04-2026 · Tribunal de l’entreprise francophone de Bruxelles · SRL RAY GROUP CHAUSSEE DE CHARLEROI 197, 1060 SAINT-GILLES · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262026-05-06 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 3 acts
Capital history · 2
20-07-2023
Capital change
09-01-2023
Capital change
All acts · 3 updated 2 years ago
2024
08-01-2024 Publication in the Belgian Official Gazette, Minor change Minor change·Christian HUYLEBROUCK
Summary: Agm rules changeNotary: Christian HUYLEBROUCK · Molenbeek-Saint-JeanFirm: Christian Huylebrouck Notaire - Notaris SRL
Technical details 
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    "pub_date": "2024-01-08",
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  "should_reroute_to_category": null,
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2023
20-07-2023 Transaction in capital or shares Capital & shares
Technical details 
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09-01-2023 Transaction in capital or shares Capital & shares
Technical details 
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Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
Legal nameFR RAY GROUP
Registered office
Charleroise Steenweg 197
1060 Sint-Gillis (bij-Brussel), 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