RETAIL INTERIOR GROUP
ActiveRETAIL INTERIOR GROUP 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 €321k and a net result of €160k. Equity is shrinking by ~17.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 46% of 2385 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 €321k
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
1 d early
2023
5 d early
2022
12 d early
2021
26 d early
2020
19 d early
2019
9 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€321k▲ 99.4%
2024 · €161k
2018: €528k
2019: €712k
2020: €393k
2021: €435k
2022: €307k
2023: €104k
2024: €161k
2018 → 2025
Net result
€160k▲ 183%
2024 · €57k
2018: €122k
2019: €184k
2020: €-119k
2021: €42k
2022: €-128k
2023: €-202k
2024: €57k
2018 → 2025
Total assets
€572k▼ 31.8%
2024 · €838k
2018: €2.04M
2019: €1.93M
2020: €887k
2021: €991k
2022: €917k
2023: €882k
2024: €838k
2018 → 2025
Solvency
56.2%▲ 37.0pp
2024 · 19.2%
2018: 25.9%
2019: 36.8%
2020: 44.3%
2021: 43.9%
2022: 33.5%
2023: 11.9%
2024: 19.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€435k-€307k▼ 29.4%€104k▼ 65.9%€161k▲ 54.3%€321k▲ 99.4%
Operating result€52k-€114k▲ 119%€64k▼ 44.0%€151k▲ 138%€174k▲ 14.9%
Net result€42k-€-128k€-202k▼ 58.0%€57k€160k▲ 183%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €572k
Fixed assets
€432k▲ 21.3%
Current assets
€139k▼ 71.1%
Equity and liabilities €572k
Equity
€321k▲ 99.4%
Debt
€250k▼ 63.0%
The debt ratio falls from 80.8% to 43.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
56.2%▲
2024 · 19.2%
ROE
49.8%▲
2024 · 35.2%
ROA
28.0%▲
2024 · 6.8%
Debt
€250k▼
2024 · €677k
Debt ≤ 1 year
€59k▼
2024 · €461k
Debt > 1 year
€190k▼
2024 · €200k
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€838k€572k▼
Fixed assets21/28€357k€432k▲
Tangible fixed assets22/27-€76k
Furniture and vehicles24-€76k
Financial fixed assets28€357k€357k=
Current assets29/58€482k€139k▼
Stocks and contracts in progress3€438k€0▼
Stocks30/36€438k€0▼
Amounts receivable within one year40/41€35k€120k▲
Trade receivables40€10k€17k▲
Other amounts receivable41€25k€103k▲
Cash at bank and in hand54/58€7k€15k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€838k€572k▼
Equity10/15€161k€321k▲
Contributions10/11€300k€300k=
Capital10€300k€300k=
Issued capital100€300k€300k=
Reserves13€21k€23k▲
Non-distributable reserves130/1€21k€23k▲
Legal reserve130€21k€23k▲
Profit (loss) carried forward14€-159k€-1k▲
Amounts payable17/49€677k€250k▼
Amounts payable after more than one year17€200k€190k▼
Financial debts170/4€200k€190k▼
Amounts payable within one year42/48€461k€59k▼
Current portion of amounts payable after more than one year42€19k€39k▲
Financial debts43€125k€0▼
Credit institutions430/8€125k€0▼
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€12k€13k▲
Other amounts payable47/48€297k€5k▼
Accrued charges and deferred income492/3€17k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0€1k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€153k€177k▲
Operating profit (loss)9901€151k€174k▲
Financial income75/76B€473k€2k▼
Recurring financial income75€0€2k▲
Non-recurring financial income76B€473k€0▼
Financial charges65/66B€567k€16k▼
Recurring financial charges65€95k€16k▼
Non-recurring financial charges66B€473k€0▼
Profit (loss) for the period before taxes9903€57k€160k▲
Profit (loss) for the period9904€57k€160k▲
Profit (loss) for the period to be appropriated9905€57k€160k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-159k€758▲
Profit (loss) brought forward from the previous period14P€-216k€-159k▲
Transfer to equity691/2-€2k
To the legal reserve6920-€2k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (21 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 · full schema
2025
31-12
Financial
Liquidity doublescurrent ratio 2.35
Current ratio from 1.05 to 2.35; short-term debt falls from €461k to €59k.
31-12
Financial
Equity above €200kEq €321k ▲99.4%
2 profitable years in a row build equity to €321k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €57k
Net result €57k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €161k ▲54.3%
Equity rises from €104k to €161k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-202k
Net result drops to €-202k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 1.35
Current ratio from 0.64 to 1.35; short-term debt falls from €465k to €343k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €184k ▲50.2%
Net result €184k, the highest in the series.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-06
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
7 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, Kortrijk · 1 establishment unit since 2010
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.
Sint-Denijseweg(Kor) 838500 KortrijkGround area
4,193 m²
Building footprint
248 m²
Volume, LiDAR
1,370 m³
Parcel 34354C0627/00G000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Retail Interior Group
since 20102.190.073.423
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0627/00G000 | Flanders | 4,193 m² | 1 · 248 m² | 9.6 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,778 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-07-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.