RB & CO
ActiveThe computed 12-month bankruptcy probability of RB & CO is 2.3% (moderate). The 2025 annual accounts show equity of €48k and a net result of €1k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 13240 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+43
Solvency49▼-1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 11.45 in 2024; short-term debt: 32.1% and cash: 1.1% of total assets), but 76.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
23.7%
Return on assets
0.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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 · 10 filingsDeviation from the deadline
2025
49 d late
2024
41 d late
2023
48 d late
2022
64 d late
2021
30 d late
2020
87 d late
2019
28 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 2.7%
2024 · €47k
2018: €28k
2019: €32k
2020: €37k
2021: €27k
2022: €29k
2023: €49k
2024: €47k
2018 → 2025
Total assets
€203k▲ 8.8%
2024 · €187k
2018: €81k
2019: €67k
2020: €95k
2021: €85k
2022: €61k
2023: €157k
2024: €187k
2018 → 2025
Net result
€1k
2024 · €-2k
2018: €-1k
2019: €4k
2020: €5k
2021: €-10k
2022: €3k
2023: €20k
2024: €-2k
2018 → 2025
Working capital
€105k▼ 31.7%
2024 · €154k
2018: €-4k
2019: €9k
2020: €47k
2021: €38k
2022: €37k
2023: €124k
2024: €154k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€29k▲ 10.9%€49k▲ 66.2%€47k▼ 4.2%€48k▲ 2.7%
Operating result€-9k-€10k€29k▲ 177%€5k▼ 81.9%€7k▲ 42.2%
Net result€-10k-€3k€20k▲ 573%€-2k€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 42% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €203k
Fixed assets
€33k▲ 80.3%
Current assets
€170k▲ 1.1%
Equity and liabilities €203k
Equity
€48k▲ 2.7%
Debt
€155k▲ 10.9%
The debt ratio rises from 74.9% to 76.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▲
2024 · €7k
Cash flow
€6k▲
2024 · €-46
Solvency
23.7%▼
2024 · 25.1%
Current ratio
2.61▼
2024 · 11.45
Quick ratio
2.28▼
2024 · 9.29
Debt / equity
3.22▲
2024 · 2.98
ROE
2.6%▲
2024 · -4.4%
ROA
0.6%▲
2024 · -1.1%
Interest coverage
6.17▲
2024 · 1.16
Debt
€155k▲
2024 · €140k
Debt ≤ 1 year
€65k▲
2024 · €15k
Income taxes
€4k▲
2024 · €1k
Staff costs
€6k▼
2024 · €12k
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€187k€203k▲
Fixed assets21/28€18k€33k▲
Tangible fixed assets22/27€9k€23k▲
Plant, machinery and equipment23€3k€2k▼
Other tangible fixed assets26€6k€21k▲
Financial fixed assets28€10k€10k=
Current assets29/58€168k€170k▲
Stocks and contracts in progress3€32k€22k▼
Stocks30/36€32k€22k▼
Amounts receivable within one year40/41€101k€144k▲
Trade receivables40€99k€143k▲
Other amounts receivable41€1k€1k▲
Cash at bank and in hand54/58€33k€2k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€187k€203k▲
Equity10/15€47k€48k▲
Contributions10/11€19k€19k=
Reserves13€9k€9k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€7k€7k=
Profit (loss) carried forward14€20k€21k▲
Amounts payable17/49€140k€155k▲
Amounts payable within one year42/48€15k€65k▲
Trade debts44€7k€47k▲
Suppliers440/4€7k€47k▲
Taxes, remuneration and social security45€3k€9k▲
Taxes450/3€1k€8k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€4k€9k▲
Accrued charges and deferred income492/3€125k€90k▼
Income statement
Code20242025
Remuneration, social security and pensions62€12k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€75k€52k▼
Non-recurring operating charges66A-€6k
Gross operating margin9900€94k€76k▼
Operating profit (loss)9901€5k€7k▲
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€2k▼
Profit (loss) for the period before taxes9903€-1k€5k▲
Income taxes67/77€1k€4k▲
Profit (loss) for the period9904€-2k€1k▲
Profit (loss) for the period to be appropriated9905€-2k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€21k▲
Profit (loss) brought forward from the previous period14P€22k€20k▼
The notes to these accounts (8 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
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 49 days late
2025
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
31-12
Financial
Highest result since 2018net €20k ▲573%
Operating result €29k, net result €20k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 9.57
Current ratio from 3.09 to 9.57; short-term debt falls from €18k to €14k.
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-10k ▼303%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 3.47
Current ratio from 1.65 to 3.47.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
16-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 47 days late
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 51 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Elsene · 1 establishment unit since 2008
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.
Elsense Steenweg 1491050 ElseneGround area
118 m²
Building footprint
121 m²
Volume, LiDAR
1,559 m³
Parcel 21009A1057/00W004, Brussels · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Elsense Steenweg 149, 1050 Elsene
since 20082.172.914.618
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A1057/00W004 | Brussels | 118 m² | 1 · 120 m² | 15.1 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteElsene2.172.914.618
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,066 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2008
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.