RESIFRED
ActiveRESIFRED has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €24k. Equity is shrinking by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 30% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+6
Solvency54▲+19
Growth58=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.15 in 2024; short-term debt: 46.2% of total assets), but 71.4% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
28.6%
Return on assets
13.2%
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
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
on the day
2023
22 d late
2022
92 d late
2021
31 d late
2020
3 d early
2019
on the day
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▲ 86.3%
2024 · €27k
2018: €123k
2019: €103k
2020: €105k
2021: €110k
2022: €134k
2023: €132k
2024: €27k
2018 → 2025
Total assets
€178k▼ 34.2%
2024 · €270k
2018: €282k
2019: €255k
2020: €237k
2021: €240k
2022: €267k
2023: €261k
2024: €270k
2018 → 2025
Net result
€24k▲ 8.5%
2024 · €22k
2018: €-10k
2019: €-19k
2020: €1k
2021: €5k
2022: €25k
2023: €-2k
2024: €22k
2018 → 2025
Working capital
€52k▲ 80.2%
2024 · €29k
2018: €123k
2019: €116k
2020: €114k
2021: €112k
2022: €137k
2023: €132k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€134k▲ 22.4%€132k▼ 1.8%€27k▼ 79.3%€51k▲ 86.3%
Operating result€3k-€35k▲ 956%€-979€32k€40k▲ 26.9%
Net result€5k-€25k▲ 379%€-2k€22k€24k▲ 8.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 27% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€44k▼ 11.6%
Current assets
€134k▼ 39.2%
Equity and liabilities €178k
Equity
€51k▲ 86.3%
Debt
€127k▼ 47.7%
The debt ratio falls from 89.9% to 71.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €36k
Cash flow
€27k▲
2024 · €26k
Solvency
28.6%▲
2024 · 10.1%
Current ratio
1.64▲
2024 · 1.15
Quick ratio
1.64▲
2024 · 1.15
Debt / equity
2.50▼
2024 · 8.91
ROE
46.3%▼
2024 · 79.5%
ROA
13.2%▲
2024 · 8.0%
Interest coverage
7.62▲
2024 · 6.68
Debt
€127k▼
2024 · €243k
Debt ≤ 1 year
€82k▼
2024 · €192k
Debt > 1 year
€45k▼
2024 · €50k
Income taxes
€13k▲
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€270k€178k▼
Fixed assets21/28€49k€44k▼
Tangible fixed assets22/27€49k€44k▼
Land and buildings22€45k€42k▼
Plant, machinery and equipment23€1k€659▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€221k€134k▼
Amounts receivable within one year40/41€219k€133k▼
Trade receivables40€32k€65k▲
Other amounts receivable41€187k€68k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€270k€178k▼
Equity10/15€27k€51k▲
Contributions10/11€6k€6k=
Reserves13€21k€45k▲
Distributable reserves133€21k€45k▲
Amounts payable17/49€243k€127k▼
Amounts payable after more than one year17€50k€45k▼
Financial debts170/4€50k€45k▼
Amounts payable within one year42/48€192k€82k▼
Current portion of amounts payable after more than one year42€20k€20k▲
Financial debts43€6k€5k▼
Credit institutions430/8€6k€5k▼
Trade debts44€34k€54k▲
Suppliers440/4€34k€54k▲
Taxes, remuneration and social security45€12k€2k▼
Taxes450/3€8k€2k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€120k-
Accrued charges and deferred income492/3€561-
Income statement
Code20242025
Non-recurring operating income76A€6k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€-13k▼
Other operating charges640/8€10k€13k▲
Non-recurring operating charges66A€2k€1k▼
Gross operating margin9900€51k€46k▼
Operating profit (loss)9901€32k€40k▲
Financial income75/76B€10k€6k▼
Recurring financial income75€10k€6k▼
Financial charges65/66B€8k€9k▲
Recurring financial charges65€5k€6k▲
Non-recurring financial charges66B€2k€4k▲
Profit (loss) for the period before taxes9903€34k€37k▲
Income taxes67/77€12k€13k▲
Profit (loss) for the period9904€22k€24k▲
Profit (loss) for the period to be appropriated9905€22k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€24k▲
Profit (loss) brought forward from the previous period14P€-2k-
Transfer from equity791/2€126k-
Transfer to equity691/2€19k€24k▲
To other reserves6921€19k€24k▲
Profit to be distributed694/7€126k-
Return on contributions (dividend)694€126k-
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Highest result since 2018net €25k ▲379%
Net result €25k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Jemeppe-sur-Sambre · 2 establishment units since 2015
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 Joseph-Wauters,Ham 175190 Jemeppe-sur-SambreGround area
2,146 m²
Building footprint
293 m²
Volume, LiDAR
1,910 m³
2 parcels, Wallonia · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
RESIFRED
since 20152.240.185.603
HOME COLOR
since 20162.252.089.877
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92119C0111/00P000 | Wallonia | 1,095 m² | 1 · 188 m² | 10.1 m · 2 fl. |
| 92061C0120/00P008 | Wallonia | 1,050 m² | 1 · 105 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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 914 companies in sector 43333 we hold annual accounts for 400. 325 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2015
Fiscal year end31-12
Activities, NACEBEL
43333Wallpapering and laying of floor and wall coverings in other materials
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.