Raymond
ActiveSummary
The computed 12-month bankruptcy probability of Raymond is 2.8% (moderate). The 2025 annual accounts show equity of €751,526 and a net result of €132,751. Equity is growing by ~42.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 3833 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
Event catering
NACE 56210Full-service restaurants NACE 56101Full-service restaurants NACE 56111
1 site
How big
€825,260total assets 2025
- Staff
- 3.4 FTE
- Equity
- €751,526
- Profit
- €132,751
Turnover not published (abridged schema)
Who decides
Accounts 3 d early0 of 5 deeds read
Why 77- Higher-failure-rate sector- Limited track record+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability89▼-4
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 10.46 against 8.14 in 2024; short-term debt: 8.9% and cash: 26% of total assets), and 8.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
91.1%
Return on assets
16.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
3 d early
2024
7 d early
2023
11 d early
2022
9 d early
← 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 8 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 22 April (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close01-10-2026 today30-04-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Weakest financial yearnet €132,751 ▼3.1%
- Annual accounts filedfiscal year 2024 · abbreviated…
Financials
Fiscal year 2025Total assets €825,260Profit €132,751Solvency 91.1%Liquidity 10.46
Total assets
€825,260▲ 18.4%
2022 - 2025
Net result
€132,751▼ 3.1%
2022 - 2025
Equity
€751,526▲ 21.5%
2022 - 2025
Staff (FTE)
3.4▲ 47.8%
2022 - 2025
Financials · fiscal year 2025, abbreviated schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
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), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€261,496-€261,776▲ 0.1%€184,111▼ 29.7%€177,351▼ 3.7%
Net result€193,927above the sector's middle half-€195,861above the sector's middle half▲ 1.0%€137,007above the sector's middle half▼ 30.0%€132,751above the sector's middle half▼ 3.1%
Equity€268,251within the sector's middle half-€361,768above the sector's middle half▲ 34.9%€618,775above the sector's middle half▲ 71.0%€751,526above the sector's middle half▲ 21.5%
Total assets€317,754within the sector's middle half-€684,581within the sector's middle half▲ 115%€697,016within the sector's middle half▲ 1.8%€825,260within the sector's middle half▲ 18.4%
Debt€49,502-€322,813▲ 552%€78,241▼ 75.8%€73,734▼ 5.8%
Working capital€204,705above the sector's middle half-€295,810above the sector's middle half▲ 44.5%€558,762above the sector's middle half▲ 88.9%€696,979above the sector's middle half▲ 24.7%
Solvency84.4%above the sector's middle half-52.8%within the sector's middle half▼ 31.6pp88.8%above the sector's middle half▲ 35.9pp91.1%above the sector's middle half▲ 2.3pp
Current ratio5.53above the sector's middle half-1.92within the sector's middle half▼ 3.618.14above the sector's middle half▲ 6.2310.46above the sector's middle half▲ 2.31
Return on assets (ROA)61.0%above the sector's middle half-28.6%above the sector's middle half▼ 32.4pp19.7%above the sector's middle half▼ 9.0pp16.1%above the sector's middle half▼ 3.6pp
Staff (FTE)1.5below the sector's middle half-1.8below the sector's middle half▲ 20.0%2.3below the sector's middle half▲ 27.8%3.4below the sector's middle half▲ 47.8%
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.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 4% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €825,260
Fixed assets
€54,568 ▼ 9.1%
Current assets
€770,692 ▲ 21.0%
Equity and liabilities €825,260
Equity
€751,526 ▲ 21.5%
Debt
€73,734 ▼ 5.8%
Debt's share of the balance-sheet total falls from 11.2% to 8.9%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
EBITDA
€193,261▼
2024 · €198,575
Cash flow
€148,661▼
2024 · €151,470
Quick ratio
10.37▲
2024 · 8.09
Debt to equity
0.10▼
2024 · 0.13
ROE
17.7%▼
2024 · 22.1%
Interest coverage
48.40▼
2024 · 110.25
Debt ≤ 1 year
€73,712▼
2024 · €78,241
Income taxes
€46,539▼
2024 · €46,820
Staff costs
€55,216▼
2024 · €69,843
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | €1 | €0 | - | - | - |
| Remuneration, social security and pensions62 | €43,951 | €56,748 | €69,843 | €55,216 | ▼ 20.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,819 | €12,945 | €14,463 | €15,910 | ▲ 10.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€875 | €0 | - | - | - |
| Other operating charges640/8 | €2,140 | €2,797 | €8,068 | €3,400 | ▼ 57.9% |
| Gross operating margin9900 | €324,531 | €334,267 | €276,486 | €251,877 | ▼ 8.9% |
| Operating profit (loss)9901 | €261,496 | €261,776 | €184,111 | €177,351 | ▼ 3.7% |
| Financial income75/76B | €154 | €1,467 | €1,516 | €5,932 | ▲ 291% |
| Recurring financial income75 | €154 | €1,467 | €1,516 | €5,932 | ▲ 291% |
| Financial charges65/66B | €1,676 | €654 | €1,801 | €3,993 | ▲ 122% |
| Recurring financial charges65 | €1,676 | €654 | €1,801 | €3,993 | ▲ 122% |
| Profit (loss) for the period before taxes9903 | €259,973 | €262,590 | €183,827 | €179,289 | ▼ 2.5% |
| Income taxes67/77 | €66,046 | €66,729 | €46,820 | €46,539 | ▼ 0.6% |
| Profit (loss) for the period9904 | €193,927 | €195,861 | €137,007 | €132,751 | ▼ 3.1% |
| Profit (loss) for the period to be appropriated9905 | €193,927 | €195,861 | €137,007 | €132,751 | ▼ 3.1% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €317,754 | €684,581 | €697,016 | €825,260 | ▲ 18.4% |
| Fixed assets21/28 | €67,817 | €65,976 | €60,013 | €54,568 | ▼ 9.1% |
| Tangible fixed assets22/27 | €67,817 | €65,976 | €59,683 | €54,238 | ▼ 9.1% |
| Plant, machinery and equipment23 | €7,896 | €3,287 | €3,795 | €8,396 | ▲ 121% |
| Furniture and vehicles24 | €11,408 | €8,062 | €9,694 | €8,083 | ▼ 16.6% |
| Other tangible fixed assets26 | €48,512 | €54,627 | €46,193 | €37,760 | ▼ 18.3% |
| Financial fixed assets28 | - | - | €330 | €330 | = |
| Current assets29/58 | €249,937 | €618,605 | €637,003 | €770,692 | ▲ 21.0% |
| Amounts receivable after more than one year29 | - | - | €22,552 | €45,407 | ▲ 101% |
| Other amounts receivable291 | - | - | €22,552 | €45,407 | ▲ 101% |
| Stocks and contracts in progress3 | €4,636 | €4,284 | €3,983 | €6,233 | ▲ 56.5% |
| Stocks30/36 | €4,636 | €4,284 | €3,983 | €6,233 | ▲ 56.5% |
| Amounts receivable within one year40/41 | €54,373 | €28,866 | €155,706 | €147,555 | ▼ 5.2% |
| Trade receivables40 | €48,605 | €26,796 | €49,403 | €47,396 | ▼ 4.1% |
| Other amounts receivable41 | €5,768 | €2,070 | €106,303 | €100,159 | ▼ 5.8% |
| Current investments50/53 | - | - | €350,000 | €350,000 | = |
| Cash at bank and in hand54/58 | €185,633 | €580,189 | €98,580 | €214,847 | ▲ 118% |
| Deferred charges and accrued income490/1 | €5,295 | €5,265 | €6,182 | €6,650 | ▲ 7.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €317,754 | €684,581 | €697,016 | €825,260 | ▲ 18.4% |
| Equity10/15 | €268,251 | €361,768 | €618,775 | €751,526 | ▲ 21.5% |
| Contributions10/11 | €40,000 | €40,000 | €160,000 | €160,000 | = |
| Reserves13 | €228,251 | €321,768 | €458,775 | €591,526 | ▲ 28.9% |
| Distributable reserves133 | €228,251 | €321,768 | €458,775 | €591,526 | ▲ 28.9% |
| Profit (loss) carried forward14 | - | €0 | €0 | - | - |
| Amounts payable17/49 | €49,502 | €322,813 | €78,241 | €73,734 | ▼ 5.8% |
| Amounts payable within one year42/48 | €45,232 | €322,794 | €78,241 | €73,712 | ▼ 5.8% |
| Trade debts44 | €25,549 | €190,474 | €57,397 | €57,030 | ▼ 0.6% |
| Suppliers440/4 | €25,549 | €190,474 | €57,397 | €57,030 | ▼ 0.6% |
| Advances received on contracts in progress46 | - | €10,000 | €0 | - | - |
| Taxes, remuneration and social security45 | €17,252 | €19,975 | €13,913 | €15,751 | ▲ 13.2% |
| Taxes450/3 | €14,459 | €12,264 | €8,371 | €9,953 | ▲ 18.9% |
| Remuneration and social security454/9 | €2,794 | €7,711 | €5,541 | €5,798 | ▲ 4.6% |
| Other amounts payable47/48 | €2,431 | €102,345 | €6,932 | €932 | ▼ 86.6% |
| Accrued charges and deferred income492/3 | €4,271 | €19 | €0 | €22 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €193,927 | €195,861 | €137,007 | €132,751 | ▼ 3.1% |
| + Depreciation and write-downs630 | €17,819 | €12,945 | €14,463 | €15,910 | ▲ 10.0% |
| Operating cash flow (approximation) | €211,746 | €208,807 | €151,470 | €148,661 | ▼ 1.9% |
| Investment in fixed assets (approximation) | - | -€11,105 | -€8,500 | -€10,465 | ▼ 23.1% |
| Change in cash | - | €394,556 | -€481,609 | €116,267 | ▲ 124% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Crème de la Crème Beveren
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Of 7,507 companies in this sector we hold annual accounts for 2,452. 1,052 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
8 eventsLatest 27-04-2026Next filing 30-04-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €132,751 ▼3.1%
Net result drops to €132,751, the lowest in the series.
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Liquidity quadruplescurrent ratio 8.14
Current ratio from 1.92 to 8.14; short-term debt falls from €322,794 to €78,241.
30-09
Financial
Equity above €500,000Eq €618,775 ▲71%
3 profitable years in a row build equity to €618,775.
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2022net €195,861 ▲1%
Operating result €261,776, net result €195,861, both a record.
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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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Support & recognitions
1 register with a recognitionFASFC 1 site
FASFC
1
authorised site
Recognitions · licences · registrations
Food safety, FASFC
1 siteGentunit no. 2.314.228.968
Company details
Private limited company · founded 16-02-2021Year ends 30-09Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded16-02-2021
Fiscal year end30-09
Activities, NACEBEL 2025
56111Full-service restaurants
56210Event catering
55100Hotels and similar accommodation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0763659719
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2021
Ground area
174 m²
Building footprint
176 m²
Volume, LiDAR
1,767 m³
Parcel 44815F1175/00H000, Flanders · tallest building 18.9 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Raymond
since 2021unit no. 2.314.228.968
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F1175/00H000 | Flanders | 174 m² | 1 · 176 m² | 18.9 m · 5 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.
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