RF Invests
ActiveSummary
The computed 12-month bankruptcy probability of RF Invests is 4.4% (elevated). The 2025 annual accounts show negative equity (-€834) and a net result of -€1,919. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability16=
Solvency24▼-2
Growth32
Track record82
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 0.02 in 2024; short-term debt: 101.1% and cash: 0.3% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-1.1%
Return on assets
-2.4%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€834
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 2 filingsDeviation from the deadline
2025
12 d late
2024
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 2 accounts on average 2 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€834
2024 · €1,086
Total assets
€78,582▼ 1.8%
2024 · €79,991
Net result
-€1,919▼ 0.3%
2024 · -€1,914
Working capital
-€79,181▼ 2.0%
2024 · -€77,632
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result-€1,777--€1,736▲ 2.3%
Net result-€1,914--€1,919▼ 0.3%
Equity€1,086--€834
Total assets€79,991-€78,582▼ 1.8%
Debt€78,905-€79,416▲ 0.6%
Working capital-€77,632--€79,181▼ 2.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1,736 in 2025 against €1,777 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77,485
Fixed assets
€77,250 =
Current assets
€235 ▼ 81.6%
Key figures and ratios
EBITDA
-€1,366▲
2024 · -€1,393
Cash flow
-€1,549▼
2024 · -€1,531
Solvency
-1.1%▼
2024 · 1.4%
Current ratio
0.00▼
2024 · 0.02
ROA
-2.4%▼
2024 · -2.4%
Interest coverage
-7.44▲
2024 · -10.10
Debt ≤ 1 year
€79,416▲
2024 · €78,905
Equity ratios withheld: equity of -€834 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €384 | €370 | ▼ 3.5% |
| Other operating charges640/8 | €384 | - | - |
| Gross operating margin9900 | -€1,008 | -€1,366 | ▼ 35.4% |
| Operating profit (loss)9901 | -€1,777 | -€1,736 | ▲ 2.3% |
| Financial charges65/66B | €138 | €184 | ▲ 33.2% |
| Recurring financial charges65 | €138 | €184 | ▲ 33.2% |
| Profit (loss) for the period before taxes9903 | -€1,914 | -€1,919 | ▼ 0.3% |
| Profit (loss) for the period9904 | -€1,914 | -€1,919 | ▼ 0.3% |
| Profit (loss) for the period to be appropriated9905 | -€1,914 | -€1,919 | ▼ 0.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €79,991 | €78,582 | ▼ 1.8% |
| Formation expenses20 | €1,467 | €1,097 | ▼ 25.2% |
| Fixed assets21/28 | €77,250 | €77,250 | = |
| Financial fixed assets28 | €77,250 | €77,250 | = |
| Current assets29/58 | €1,274 | €235 | ▼ 81.6% |
| Cash at bank and in hand54/58 | €1,274 | €235 | ▼ 81.6% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €79,991 | €78,582 | ▼ 1.8% |
| Equity10/15 | €1,086 | -€834 | ▼ 177% |
| Contributions10/11 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€1,914 | -€3,834 | ▼ 100% |
| Amounts payable17/49 | €78,905 | €79,416 | ▲ 0.6% |
| Amounts payable within one year42/48 | €78,905 | €79,416 | ▲ 0.6% |
| Other amounts payable47/48 | €78,905 | €79,416 | ▲ 0.6% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€1,914 | -€1,919 | ▼ 0.3% |
| + Depreciation and write-downs630 | €384 | €370 | ▼ 3.5% |
| Operating cash flow (approximation) | -€1,531 | -€1,549 | ▼ 1.2% |
| Investment in fixed assets (approximation) | - | -€370 | - |
| Change in cash | - | -€1,039 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Libramont-Chevigny · 1 establishment unit since 2023
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.
Libramont,Rue des Mélèzes 176800 Libramont-Chevigny1 establishment unit
RF INVEST
since 20232.356.897.486
Identification & contact
Identification
Legal formPrivate limited company
Founded15-12-2023
Fiscal year end31-12
Contact
E-mail
rf-invests@outlook.com
Phone
+32472511249
Scores and ratios are computed by Checked and are not a credit decision.