RCPB TOOLS
ActiveRCPB TOOLS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.15M and a net result of €-230k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 4137 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▼-59
Solvency100▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 4.61 against 3.17 in 2024; short-term debt: 17.7% and cash: 8.3% of total assets), and 18.9% 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.
−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 47
Relative position
BE, all sectors
reference
Sector 47
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
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
19202122232425
2019 to 2025 · latest year €-230k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 21-08-2025, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
5 d early
2023
3 d early
2022
on the day
2021
2 d late
2020
107 d early
2019
27 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-230k▼ 1,141%
2024 · €-19k
2019: €260k
2020: €315k
2021: €606k
2022: €429k
2023: €238k
2024: €-19k
2019 → 2025
Working capital
€1.70M▼ 7.5%
2024 · €1.83M
2019: €629k
2020: €708k
2021: €1.26M
2022: €1.56M
2023: €1.81M
2024: €1.83M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.78M-€2.16M▲ 21.3%€2.40M▲ 11.1%€2.38M▼ 0.8%€2.15M▼ 9.7%
Operating result€857k-€579k▼ 32.4%€318k▼ 45.1%€-3k€-221k▼ 8,592%
Net result€606k-€429k▼ 29.2%€238k▼ 44.4%€-19k€-230k▼ 1,141%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €221k in 2025 against €3k 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 €2.65M
Fixed assets
€482k▼ 21.7%
Current assets
€2.17M▼ 19.2%
Equity and liabilities €2.65M
Equity
€2.15M▼ 9.7%
Provisions
€32k▼ 23.3%
Debt
€470k▼ 46.5%
The debt ratio falls from 26.6% to 17.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-89k▼
2024 · €149k
Cash flow
€-98k▼
2024 · €133k
Solvency
81.1%▲
2024 · 72.1%
Current ratio
4.61▲
2024 · 3.17
Quick ratio
1.14▼
2024 · 1.24
Debt / equity
0.22▼
2024 · 0.37
ROE
-10.7%▼
2024 · -0.8%
ROA
-8.7%▼
2024 · -0.6%
Interest coverage
-4.36▼
2024 · 5.86
Debt
€470k▼
2024 · €877k
Debt ≤ 1 year
€470k▼
2024 · €846k
Staff costs
€379k▲
2024 · €349k
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€3.30M€2.65M▼
Fixed assets21/28€616k€482k▼
Tangible fixed assets22/27€616k€482k▼
Land and buildings22€336k€270k▼
Plant, machinery and equipment23€188k€176k▼
Furniture and vehicles24€92k€36k▼
Current assets29/58€2.68M€2.17M▼
Stocks and contracts in progress3€1.63M€1.63M▼
Stocks30/36€1.63M€1.63M▼
Amounts receivable within one year40/41€876k€306k▼
Trade receivables40€20k€19k▼
Other amounts receivable41€857k€287k▼
Cash at bank and in hand54/58€160k€219k▲
Deferred charges and accrued income490/1€9k€9k=
Equity and liabilities
Total equity and liabilities10/49€3.30M€2.65M▼
Equity10/15€2.38M€2.15M▼
Contributions10/11€222k€222k=
Capital10€222k€222k=
Issued capital100€222k€222k=
Reserves13€102k€83k▼
Non-distributable reserves130/1€22k€22k=
Legal reserve130€22k€22k=
Tax-exempt reserves132€80k€61k▼
Profit (loss) carried forward14€2.05M€1.84M▼
Provisions and deferred taxes16€41k€32k▼
Deferred taxes168€41k€32k▼
Amounts payable17/49€877k€470k▼
Amounts payable after more than one year17€32k-
Financial debts170/4€32k-
Amounts payable within one year42/48€846k€470k▼
Current portion of amounts payable after more than one year42€102k€197k▲
Financial debts43€300k-
Credit institutions430/8€300k-
Trade debts44€365k€104k▼
Suppliers440/4€365k€104k▼
Advances received on contracts in progress46€31k€101k▲
Taxes, remuneration and social security45€48k€61k▲
Taxes450/3-€1k
Remuneration and social security454/9€48k€60k▲
Other amounts payable47/48-€7k
Income statement
Code20242025
Remuneration, social security and pensions62€349k€379k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€152k€132k▼
Other operating charges640/8€27k€52k▲
Gross operating margin9900€524k€342k▼
Operating profit (loss)9901€-3k€-221k▼
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Non-recurring financial income76B€0€1k▲
Financial charges65/66B€25k€20k▼
Recurring financial charges65€25k€20k▼
Profit (loss) for the period before taxes9903€-28k€-240k▼
Transfer from deferred taxes780€10k€10k=
Income taxes67/77€167-
Profit (loss) for the period9904€-19k€-230k▼
Transfer from tax-exempt reserves789€19k€19k=
Profit (loss) for the period to be appropriated9905€19€-212k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.05M€1.84M▼
Profit (loss) brought forward from the previous period14P€2.05M€2.05M=
Social balance
Average headcount (FTE)90879.69.5▼
The notes to these accounts (7 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
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Weakest financial yearnet €-230k
Net result drops to €-230k, the lowest in the series.
2024
26-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
28-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-03
Financial
Equity above €2MEq €2.16M ▲21.3%
4 profitable years in a row build equity to €2.16M.
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
31-03
Financial
Highest result since 2019net €606k ▲92.3%
Operating result €857k, net result €606k, both a record.
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
31-03
Financial
Equity above €1MEq €1.17M ▲22.5%
2 profitable years in a row build equity to €1.17M.
2019
04-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
02-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Soumagne · 1 establishment unit since 2001
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.
Rue de la Clef(MEL) 48C4633 SoumagneGround area
5,441 m²
Building footprint
2,624 m²
Volume, LiDAR
17,060 m³
Parcel 62069C0187/00C004, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HUBO Soumagne
since 20012.098.025.173
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62069C0187/00C004 | Wallonia | 5,441 m² | 1 · 2,623 m² | 8.1 m · 2 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 siteSoumagne2.098.025.173
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Of 237 companies in sector 47522 we hold annual accounts for 139. 50 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-03-2001
Fiscal year end31-03
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
47522Retail trade
52461
47523Retail trade
47525Retail trade
47526Retail trade
47527Retail trade
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.