Result
€92,392 ▲ 18×
The result rose in 2025 from €5,009 to €92,392.
RBO
Lifetime
12 annual accounts with figures on one time axispeak €95,937 (2025)
€95,937▲ 12×
lowest -€46,419 (2023)
€92,392▲ 18×
peak €124,346 (2020)
€103,794▲ 810%
€26,244▼ 8.4%
Board1 name since 2013
1 directorBonten Rudy Mathieu
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Gross margin from €8,080 to €95,937Result from €5,009 to €92,392Equity from €11,403 to €103,794Cash from €7,991 to €51,653
Key points
from the 2025 annual accountsChecked score
99
Excellent
Financially stronger than 94% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.3%
01-2025: 1.3%● unchanged vs 12-2024
02-2025: 1.3%● unchanged vs 01-2025
03-2025: 1.3%● unchanged vs 02-2025
04-2025: 1.2%▼ -0.1 percentage points vs 03-2025
05-2025: 1.3%▲ +0.1 percentage points vs 04-2025
06-2025: 1.2%▼ -0.1 percentage points vs 05-2025
07-2025: 1.4%▲ +0.2 percentage points vs 06-2025highest value
08-2025: 0.6%▼ -0.8 percentage points vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.7%▲ +0.1 percentage points vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.7%● unchanged vs 06-2026
08-2026: 0.5%▼ -0.2 percentage points vs 07-2026
09-2026: 0.1%▼ -0.4 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €130,038
lowers risk
Liquidity: current ratio 4.64, cash €51,653
Founded in 2014
Equity €103,794 (79.8% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 90% of them on solvency, 91% on liquidity, 95% on profitability and 99% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as RBO has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of RBO itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for RBO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.64 (1.08 in 2024), above the usual 1.5. Short-term debt is 20.2% and cash 39.7% of total assets. 20.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €103,794
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 days late
2024
3 days early
2023
54 days early
2022
48 days early
2021
19 days early
2020
61 days early
2019
55 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 15 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 July (4 of the last 5 accounts filed within 34 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0543894242
Registered office moved within Houthalen-Helchteren
New registered office: Rafnusstraat 82, 3530 Houthalen - Helchteren · Previous registered office: Boekweitstraat 8, 3530 Houthalen-Helchteren · Board meeting of 01-06-2024 · Gazette deed
Incorporation
published on 17-01-2014 · Gazette deed
First establishment
Rafnusstraat 82, Houthalen-Helchteren
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RBO Houthalen-Helchteren | €130,038 | €95,937 | 79.8% | - |
| BEKABO Leopoldsburg | €121,526 | €53,577 | 74.9% | - |
| Vismara Belgio Aalst | €171,800 | €107,445 | 24.8% | 1 |
| QUALITY BUILDING SOLUTIONS Leuven | €170,047 | €112,483 | 88.3% | - |
| EDENGREEN Consulting Lasne | €84,092 | €83,079 | 36.2% | - |
| Hemac Ecologie Sprimont | €178,996 | €62,552 | 40.6% | - |
| K & B AGENCIES Kontich | €164,238 | €97,457 | 39.1% | - |
These companies have the same main activity as RBO: agents in the wholesale of timber and building materials (NACE 46130). They are comparable in size and age: total assets between €84,100 and €179,000, founded between 2010 and 2015.
Official details
Source: KBO- Status
- Active since 08-01-2014Normal situation
- Activity
- Agents in the wholesale of timber and building materialsNACE 46130
- Establishment unit
- 2.225.989.8503530 Houthalen-Helchteren, since 27-12-2013
- Financial year end
- 31 December
- Peppol
- Reachable since 24-12-2025
Insights on RBO
RBO files the micro format. That format states no turnover. The gross margin rose from €18,945 in 2014 to €95,937 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RBO
- What is the company number of RBO?
- The company number of RBO is 0543.894.242. The VAT number is the same number with BE in front: BE 0543.894.242.
- Where is RBO based?
- The registered office is at Rafnusstraat 82, 3530 Houthalen-Helchteren.Company details
- What does RBO do?
- According to the KBO register, the main activity is agents in the wholesale of timber and building materials (NACE 46130).
- What is the legal form of RBO?
- RBO is a private limited company (pre-2019) (BVBA).
- When was RBO founded?
- RBO was founded on 08-01-2014.
- Is RBO still active?
- Yes, RBO is an active enterprise in the KBO register.
- What is the turnover of RBO?
- The turnover in financial year 2025 is ≈ €450,000. This figure is estimated from the gross margin of €95,937 and 30 comparable companies (NACE 461). It probably lies between €230,000 and €1.0m.Financials
- Is RBO profitable?
- In financial year 2025, RBO made a profit of €92,392.
- Where can I find the annual accounts of RBO?
- RBO filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RBO due?
- RBO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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