READYPAL
ActiveREADYPAL has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12.01M and a net result of €1.65M. Equity is growing by ~35.2% per year across the filed fiscal years. Its solvency ranks better than 87% of 273 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1M at 30 days acceptable
Liquidity ample (current ratio 6.04 against 6.31 in 2024; short-term debt: 14.5% and cash: 16% of total assets), and 17.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
82.3%
Return on assets
11.3%
Age of the figures
9 mo
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
28 d late
2023
31 d late
2022
7 d late
2021
23 d late
2020
58 d late
2019
81 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€4.39M
EBIT margin
37.5%
Net result
€1.65M▲ 16.4%
2024 · €1.42M
2018: €249k
2019: €656k
2020: €1.22M
2021: €1.11M
2022: €2.73M
2023: €2.62M
2024: €1.42M
2018 → 2025
Working capital
€10.69M▲ 20.1%
2024 · €8.90M
2018: €367k
2019: €910k
2020: €2.41M
2021: €4.56M
2022: €6.88M
2023: €7.76M
2024: €8.90M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.58M-€6.31M▲ 76.5%€8.93M▲ 41.6%€10.36M▲ 15.9%€12.01M▲ 16.0%
Operating result€1.47M-€3.46M▲ 135%€3.39M▼ 2.1%€1.70M▼ 49.8%€1.99M▲ 17.1%
Net result€1.11M-€2.73M▲ 147%€2.62M▼ 4.0%€1.42M▼ 45.8%€1.65M▲ 16.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.59M
Fixed assets
€1.79M▼ 6.0%
Current assets
€12.81M▲ 21.1%
Equity and liabilities €14.59M
Equity
€12.01M▲ 16.0%
Debt
€2.58M▲ 21.9%
The debt ratio rises from 17.0% to 17.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2.57M▲
2024 · €2.19M
Cash flow
€2.23M▲
2024 · €1.91M
Solvency
82.3%▼
2024 · 83.0%
Current ratio
6.04▼
2024 · 6.31
Quick ratio
5.85▼
2024 · 6.15
Debt / equity
0.21▲
2024 · 0.20
ROE
13.8%▲
2024 · 13.7%
ROA
11.3%▼
2024 · 11.4%
Interest coverage
96.29▲
2024 · 69.64
Debt
€2.58M▲
2024 · €2.12M
Debt ≤ 1 year
€2.12M▲
2024 · €1.68M
Debt > 1 year
€461k▲
2024 · €441k
Income taxes
€532k▲
2024 · €450k
Staff costs
€331k▲
2024 · €198k
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€12.47M€14.59M▲
Fixed assets21/28€1.90M€1.79M▼
Intangible fixed assets21€166k€141k▼
Tangible fixed assets22/27€1.73M€1.64M▼
Land and buildings22€67k€50k▼
Plant, machinery and equipment23€580k€730k▲
Furniture and vehicles24€217k€243k▲
Leasing and similar rights25€684k€452k▼
Other tangible fixed assets26€185k€169k▼
Current assets29/58€10.57M€12.81M▲
Amounts receivable after more than one year29€4.61M€4.60M▼
Trade receivables290€4.58M-
Other amounts receivable291€28k€4.60M▲
Stocks and contracts in progress3€263k€410k▲
Stocks30/36€263k€410k▲
Amounts receivable within one year40/41€3.87M€4.88M▲
Trade receivables40€1.27M€1.63M▲
Other amounts receivable41€2.60M€3.25M▲
Current investments50/53€400k€0▼
Cash at bank and in hand54/58€1.02M€2.33M▲
Deferred charges and accrued income490/1€404k€575k▲
Equity and liabilities
Total equity and liabilities10/49€12.47M€14.59M▲
Equity10/15€10.36M€12.01M▲
Contributions10/11€12k€12k=
Reserves13€10.34M€12.00M▲
Tax-exempt reserves132-€897k
Distributable reserves133€10.34M€11.10M▲
Amounts payable17/49€2.12M€2.58M▲
Amounts payable after more than one year17€441k€461k▲
Financial debts170/4€441k€461k▲
Amounts payable within one year42/48€1.68M€2.12M▲
Current portion of amounts payable after more than one year42€237k€273k▲
Trade debts44€1.32M€1.46M▲
Suppliers440/4€1.32M€1.46M▲
Taxes, remuneration and social security45€16k€64k▲
Taxes450/3€4k€41k▲
Remuneration and social security454/9€13k€24k▲
Other amounts payable47/48€100k€326k▲
Accrued charges and deferred income492/3€118€561▲
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€198k€331k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€492k€578k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k€90k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€52k€41k▼
Gross operating margin9900€2.44M€3.03M▲
Operating profit (loss)9901€1.70M€1.99M▲
Financial income75/76B€202k€221k▲
Recurring financial income75€202k€221k▲
Financial charges65/66B€31k€27k▼
Recurring financial charges65€31k€27k▼
Profit (loss) for the period before taxes9903€1.87M€2.19M▲
Income taxes67/77€450k€532k▲
Profit (loss) for the period9904€1.42M€1.65M▲
Transfer to tax-exempt reserves689-€897k
Profit (loss) for the period to be appropriated9905€1.42M€758k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.42M€758k▼
Transfer to equity691/2€1.42M€758k▼
To other reserves6921€1.42M€758k▼
Social balance
Average headcount (FTE)908710.912.2▲
The notes to these accounts (18 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Equity above €10MEq €10.36M ▲15.9%
7 profitable years in a row build equity to €10.36M.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 7 days late
2022
31-12
Financial
Highest result since 2018net €2.73M ▲147%
Operating result €3.46M, net result €2.73M, both a record.
31-12
Financial
Equity above €5MEq €6.31M ▲76.5%
5 profitable years in a row build equity to €6.31M.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 58 days late
2020
31-12
Financial
Equity above €2MEq €2.47M ▲97.6%
3 profitable years in a row build equity to €2.47M.
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 81 days late
2019
31-12
Financial
Equity above €1MEq €1.25M ▲114%
2 profitable years in a row build equity to €1.25M.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Rumst · 1 establishment unit since 2006
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.
Nieuwstraat 50 B2840 RumstGround area
7,536 m²
Building footprint
119 m²
Volume, LiDAR
944 m³
Parcel 11045B0194/00N002, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20062.157.007.212
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11045B0194/00N002 | Flanders | 7,536 m² | 1 · 119 m² | 11.2 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 9,403 EUR awarded · 9,403 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 9,000 EUR | 9,000 EUR |
| 2022 | 1 | 403 EUR | 403 EUR |
Schemes
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteRumst2.157.007.212
Similar companies · same sector, comparable size
SA RADERMECKER
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PGS RODANAR PALLETS
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Gistel · Eq €9.99M
SOUVEREYNS
BE 0421.519.240
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VAL DU GEER
BE 0407.841.646
Bassenge · Eq €9.46M
Of 121 companies in sector 16240 we hold annual accounts for 82. 32 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2006
Fiscal year end31-12
Activities, NACEBEL
01110Growing of cereals (except rice), leguminous crops and oil seeds
16240Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials
33190Repair, maintenance and installation of machinery and equipment
01121
01122
01130Growing of vegetables, melons, roots and tubers
01191Growing of flowers
01410Raising of dairy cattle
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:015/713193