RAYKO
ActiveThe computed 12-month bankruptcy probability of RAYKO is 5.1% (elevated). The 2025 annual accounts show equity of €14k and a net result of €-7k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 82% of 4472 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-19
Solvency98▼-2
Growth52=
Track record94
Bankruptcy probability, 12 months
5.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 3.59 against 14.21 in 2024; short-term debt: 27.1% and cash: 0% of total assets), and 27.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.9%
Return on assets
-34.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-7k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
16 d early
2024
42 d early
2023
37 d early
2022
53 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 32.1%
2024 · €21k
2022: €5k
2023: €21k
2024: €21k
2022 → 2025
Total assets
€19k▼ 13.1%
2024 · €22k
2022: €7k
2023: €23k
2024: €22k
2022 → 2025
Net result
€-7k▼ 2,303%
2024 · €-274
2022: €5k
2023: €9k
2024: €-274
2022 → 2025
Working capital
€13k▼ 31.5%
2024 · €20k
2022: €5k
2023: €21k
2024: €20k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€5k-€21k▲ 350%€21k▼ 1.3%€14k▼ 32.1%
Operating result€5k-€12k▲ 157%€-284€-7k▼ 2,313%
Net result€5k-€9k▲ 87.8%€-274€-7k▼ 2,303%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €284 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€527▼ 44.4%
Current assets
€19k▼ 11.7%
Equity and liabilities €19k
Equity
€14k▼ 32.1%
Debt
€5k▲ 250%
The debt ratio rises from 6.7% to 27.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2024 · €107
Cash flow
€-6k▼
2024 · €118
Solvency
72.9%▼
2024 · 93.3%
Current ratio
3.59▼
2024 · 14.21
Quick ratio
3.59▼
2024 · 14.21
Debt / equity
0.37▲
2024 · 0.07
ROE
-47.2%▼
2024 · -1.3%
ROA
-34.4%▼
2024 · -1.2%
Interest coverage
-18.78▼
2024 · 0.23
Debt
€5k▲
2024 · €1k
Debt ≤ 1 year
€5k▲
2024 · €1k
Income taxes
€68▼
2024 · €131
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€22k€19k▼
Fixed assets21/28€948€527▼
Tangible fixed assets22/27€870€449▼
Plant, machinery and equipment23€870€449▼
Financial fixed assets28€78€78=
Current assets29/58€21k€19k▼
Amounts receivable within one year40/41€16k€19k▲
Trade receivables40€6k€5k▼
Other amounts receivable41€10k€14k▲
Cash at bank and in hand54/58€5k€0▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€22k€19k▼
Equity10/15€21k€14k▼
Contributions10/11€8k€8k=
Profit (loss) carried forward14€13k€6k▼
Amounts payable17/49€1k€5k▲
Amounts payable within one year42/48€1k€5k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€400€2k▲
Suppliers440/4€400€2k▲
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€2
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€392€420▲
Other operating charges640/8€0€1k▲
Gross operating margin9900€107€-5k▼
Operating profit (loss)9901€-284€-7k▼
Financial income75/76B€615€688▲
Recurring financial income75€615€688▲
Financial charges65/66B€473€343▼
Recurring financial charges65€473€343▼
Profit (loss) for the period before taxes9903€-143€-7k▼
Income taxes67/77€131€68▼
Profit (loss) for the period9904€-274€-7k▼
Profit (loss) for the period to be appropriated9905€-274€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€6k▼
Profit (loss) brought forward from the previous period14P€13k€13k▼
The notes to these accounts (10 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
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €9k ▲87.8%
Operating result €12k, net result €9k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 9.25
Current ratio from 2.59 to 9.25; short-term debt falls from €3k to €3k.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Jette · 1 establishment unit since 2022
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.
Broustinlaan 131090 JetteGround area
152 m²
Building footprint
100 m²
Volume, LiDAR
1,183 m³
Parcel 21464E0036/00D003, Brussels · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
RAYKO
since 20222.328.012.767
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464E0036/00D003 | Brussels | 152 m² | 1 · 100 m² | 19.6 m · 5 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.
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Of 7,356 companies in sector 81210 we hold annual accounts for 2,734. 1,942 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2022
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:karakash@outlook.fr