Summary
RBL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €66,094 and a net result of -€10,469. Equity is shrinking by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 25% of 8091 sector peers (fiscal year 2025). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
27 d late
2023
33 d early
2022
5 d early
2021
31 d late
2020
24 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 July (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#4 oldest company in Lichtervelde, Finance and insurance sector
Equity
€66,094▼ 13.7%
2024 · €76,563
Net result
-€10,469▲ 85.3%
2024 · -€71,244
Total assets
€314,687▼ 2.2%
2024 · €321,920
Solvency
21.0%▼ 2.8pp
2024 · 23.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€8,901▲ 18.7%€3,600▼ 59.6%€2,400▼ 33.3%€2,400=€600▼ 75.0%
Operating result€882▼ 58.9%-€16,579-€12,114▲ 26.9%-€71,070▼ 487%-€10,279▲ 85.5%
Net result-€1,988below the sector's middle half-€16,775below the sector's middle half▼ 744%-€12,482below the sector's middle half▲ 25.6%-€71,244below the sector's middle half▼ 471%-€10,469below the sector's middle half▲ 85.3%
Equity€177,064within the sector's middle half▼ 1.1%€160,289within the sector's middle half▼ 9.5%€147,807within the sector's middle half▼ 7.8%€76,563within the sector's middle half▼ 48.2%€66,094within the sector's middle half▼ 13.7%
Total assets€423,514within the sector's middle half▼ 0.6%€392,200within the sector's middle half▼ 7.4%€376,583within the sector's middle half▼ 4.0%€321,920within the sector's middle half▼ 14.5%€314,687within the sector's middle half▼ 2.2%
Debt€246,450▼ 0.2%€231,911▼ 5.9%€228,777▼ 1.4%€245,358▲ 7.2%€248,593▲ 1.3%
Working capital€141,378within the sector's middle half▼ 10.3%€117,224within the sector's middle half▼ 17.1%€109,889within the sector's middle half▼ 6.3%€45,935within the sector's middle half▼ 58.2%€41,989within the sector's middle half▼ 8.6%
Solvency41.8%within the sector's middle half▼ 0.2pp40.9%within the sector's middle half▼ 0.9pp39.2%within the sector's middle half▼ 1.6pp23.8%below the sector's middle half▼ 15.5pp21.0%within the sector's middle half▼ 2.8pp
Current ratio1.57within the sector's middle half▼ 0.061.51within the sector's middle half▼ 0.071.48within the sector's middle half▼ 0.031.19within the sector's middle half▼ 0.291.17within the sector's middle half▼ 0.02
Return on assets (ROA)-0.5%below the sector's middle half▼ 1.4pp-4.3%below the sector's middle half▼ 3.8pp-3.3%below the sector's middle half▲ 1.0pp-22.1%below the sector's middle half▼ 18.8pp-3.3%below the sector's middle half▲ 18.8pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10,279 in 2025 against €71,070 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €314,687
Fixed assets
€24,112 ▼ 22.3%
Current assets
€290,575 ▼ 0.1%
Equity and liabilities €314,687
Equity
€66,094 ▼ 13.7%
Debt
€248,593 ▲ 1.3%
Debt's share of the balance-sheet total rises from 76.2% to 79.0%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-15.8%▲
2024 · -93.1%
Debt ≤ 1 year
€248,586▲
2024 · €244,970
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €8,901 | €3,600 | €2,400 | €2,400 | €600 | ▼ 75.0% |
| Goods, raw materials, services and sundry goods60/61 | €3,556 | €13,817 | €7,316 | €3,471 | €3,409 | ▼ 1.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,004 | €5,902 | €6,699 | €6,903 | €6,903 | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €62,520 | - | - |
| Other operating charges640/8 | €459 | €460 | €499 | €576 | €567 | ▼ 1.5% |
| Gross operating margin9900 | €5,345 | -€10,217 | -€4,916 | -€1,071 | -€2,809 | ▼ 162% |
| Operating profit (loss)9901 | €882 | -€16,579 | -€12,114 | -€71,070 | -€10,279 | ▲ 85.5% |
| Financial income75/76B | €11 | - | €0 | - | €0 | - |
| Recurring financial income75 | €11 | - | €0 | - | €0 | - |
| Financial charges65/66B | €2,410 | €196 | €368 | €174 | €190 | ▲ 9.2% |
| Recurring financial charges65 | €2,410 | €196 | €368 | €174 | €190 | ▲ 9.2% |
| Profit (loss) for the period before taxes9903 | -€1,518 | -€16,775 | -€12,482 | -€71,244 | -€10,469 | ▲ 85.3% |
| Income taxes67/77 | €470 | - | - | - | - | - |
| Profit (loss) for the period9904 | -€1,988 | -€16,775 | -€12,482 | -€71,244 | -€10,469 | ▲ 85.3% |
| Transfer from tax-exempt reserves789 | €4,400 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €2,412 | -€16,775 | -€12,482 | -€71,244 | -€10,469 | ▲ 85.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €423,514 | €392,200 | €376,583 | €321,920 | €314,687 | ▼ 2.2% |
| Fixed assets21/28 | €35,959 | €43,065 | €37,918 | €31,015 | €24,112 | ▼ 22.3% |
| Tangible fixed assets22/27 | €35,909 | €43,015 | €37,868 | €30,965 | €24,062 | ▼ 22.3% |
| Land and buildings22 | €16,642 | €14,124 | €11,606 | €9,088 | €6,570 | ▼ 27.7% |
| Plant, machinery and equipment23 | €19,267 | €28,891 | €25,111 | €21,243 | €17,375 | ▼ 18.2% |
| Furniture and vehicles24 | €0 | €0 | €1,151 | €634 | €117 | ▼ 81.6% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €387,555 | €349,135 | €338,665 | €290,905 | €290,575 | ▼ 0.1% |
| Amounts receivable within one year40/41 | €387,443 | €348,946 | €338,450 | €290,702 | €290,436 | ▼ 0.1% |
| Trade receivables40 | €12,701 | €200 | €200 | €200 | - | - |
| Other amounts receivable41 | €374,742 | €348,746 | €338,250 | €290,502 | €290,436 | = |
| Cash at bank and in hand54/58 | €112 | €143 | €157 | €142 | €139 | ▼ 2.4% |
| Deferred charges and accrued income490/1 | - | €45 | €58 | €61 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €423,514 | €392,200 | €376,583 | €321,920 | €314,687 | ▼ 2.2% |
| Equity10/15 | €177,064 | €160,289 | €147,807 | €76,563 | €66,094 | ▼ 13.7% |
| Contributions10/11 | €6,205 | €6,205 | €6,205 | €6,205 | €6,205 | = |
| Reserves13 | €160,977 | €160,977 | €160,977 | €160,977 | €160,977 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €159,117 | €159,117 | €159,117 | €159,117 | €159,117 | = |
| Profit (loss) carried forward14 | €9,881 | -€6,894 | -€19,376 | -€90,620 | -€101,089 | ▼ 11.6% |
| Amounts payable17/49 | €246,450 | €231,911 | €228,777 | €245,358 | €248,593 | ▲ 1.3% |
| Amounts payable within one year42/48 | €246,177 | €231,911 | €228,777 | €244,970 | €248,586 | ▲ 1.5% |
| Financial debts43 | €9,988 | - | - | - | - | - |
| Credit institutions430/8 | €9,988 | - | - | - | - | - |
| Trade debts44 | €11,285 | €1,611 | €1,051 | €200 | €2,318 | ▲ 1,061% |
| Suppliers440/4 | €11,285 | €1,611 | €1,051 | €200 | €2,318 | ▲ 1,061% |
| Taxes, remuneration and social security45 | €470 | €470 | - | - | - | - |
| Taxes450/3 | €470 | €470 | - | - | - | - |
| Other amounts payable47/48 | €224,434 | €229,830 | €227,726 | €244,771 | €246,268 | ▲ 0.6% |
| Accrued charges and deferred income492/3 | €273 | - | - | €387 | €6 | ▼ 98.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,988 | -€16,775 | -€12,482 | -€71,244 | -€10,469 | ▲ 85.3% |
| + Depreciation and write-downs630 | €4,004 | €5,902 | €6,699 | €6,903 | €6,903 | = |
| Operating cash flow (approximation) | €2,017 | -€10,873 | -€5,783 | -€64,341 | -€3,565 | ▲ 94.5% |
| Investment in fixed assets (approximation) | - | -€13,008 | -€1,552 | €0 | €0 | - |
| Change in cash | - | €31 | €13 | -€15 | -€3 | ▲ 76.9% |
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
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet -€71,244
Net result drops to -€71,244, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Back to profitnet €4,023
Net result €4,023 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 121 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Lichtervelde · 1 establishment unit since 1992
Ground area
8,577 m²
Building footprint
488 m²
Volume, LiDAR
3,187 m³
2 parcels, Flanders · tallest building 18.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
R & S
since 19922.058.876.963
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36011D1115/00H000 | Flanders | 7,921 m² | 1 · 356 m² | 7.1 m · 2 fl. |
| 36502B0038/00R000 | Flanders | 656 m² | 1 · 132 m² | 18.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 11,236 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
Founded02-07-1992
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0447772487
Registered
02-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.