RGDESIGNER
ActiveSummary
The computed 12-month bankruptcy probability of RGDESIGNER is 2.1% (moderate). The 2025 annual accounts show equity of €35k and a net result of €17k. Equity is growing by ~32.1% per year across the filed fiscal years. Its solvency ranks better than 46% of 403 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+37
Solvency65▲+15
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 1.08 in 2024; short-term debt: 26.4% and cash: 42.7% of total assets), but 60.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 31
Relative position
BE, all sectors
reference
Sector 31
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
39.8%
Return on assets
19%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 3 filingsDeviation from the deadline
2025
14 d late
2024
25 d late
2023
13 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 96.8%
2024 · €18k
2023: €21k
2024: €18k
2023 → 2025
Total assets
€88k▲ 22.0%
2024 · €73k
2023: €81k
2024: €73k
2023 → 2025
Net result
€17k
2024 · €-4k
2023: €19k
2024: €-4k
2023 → 2025
Working capital
€24k▲ 920%
2024 · €2k
2023: €6k
2024: €2k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€21k-€18k▼ 16.6%€35k▲ 96.8%
Operating result€27k-€-2k€21k
Net result€19k-€-4k€17k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88k
Fixed assets
€41k ▲ 1.2%
Current assets
€47k ▲ 48.9%
Equity and liabilities €88k
Equity
€35k ▲ 96.8%
Debt
€53k ▼ 2.5%
Debt's share of the balance-sheet total falls from 75.4% to 60.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▲
2024 · €10k
Cash flow
€33k▲
2024 · €8k
Current ratio
2.02▲
2024 · 1.08
Quick ratio
1.98▲
2024 · 1.04
Debt to equity
1.52▼
2024 · 3.06
ROE
47.7%▲
2024 · -19.9%
ROA
19.0%▲
2024 · -4.9%
Interest coverage
39.21▲
2024 · 5.06
Debt ≤ 1 year
€23k▼
2024 · €29k
Debt > 1 year
€30k▲
2024 · €25k
Income taxes
€3k
Staff costs
€25k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€73k€88k▲
Fixed assets21/28€41k€41k▲
Tangible fixed assets22/27€41k€41k▲
Plant, machinery and equipment23€37k€29k▼
Furniture and vehicles24€507€12k▲
Leasing and similar rights25€4k-
Current assets29/58€32k€47k▲
Stocks and contracts in progress3€1k€1k▲
Stocks30/36€1k€1k▲
Amounts receivable within one year40/41€15k€8k▼
Trade receivables40€8k€8k▼
Other amounts receivable41€7k-
Cash at bank and in hand54/58€16k€38k▲
Equity and liabilities
Total equity and liabilities10/49€73k€88k▲
Equity10/15€18k€35k▲
Contributions10/11€2k€2k=
Capital10€2k-
Issued capital100€2k-
Profit (loss) carried forward14€16k€33k▲
Amounts payable17/49€55k€53k▼
Amounts payable after more than one year17€25k€30k▲
Financial debts170/4€25k€30k▲
Amounts payable within one year42/48€29k€23k▼
Current portion of amounts payable after more than one year42€9k€5k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Advances received on contracts in progress46€932-
Taxes, remuneration and social security45€1k€6k▲
Taxes450/3€488€6k▲
Remuneration and social security454/9€704-
Other amounts payable47/48€17k€10k▼
Income statement
Code20242025
Non-recurring operating income76A-€0
Remuneration, social security and pensions62€8k€25k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€16k▲
Other operating charges640/8€536€634▲
Non-recurring operating charges66A€126€58▼
Gross operating margin9900€19k€62k▲
Operating profit (loss)9901€-2k€21k▲
Financial charges65/66B€2k€942▼
Recurring financial charges65€2k€942▼
Non-recurring financial charges66B€35-
Profit (loss) for the period before taxes9903€-4k€20k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€-4k€17k▲
Profit (loss) for the period to be appropriated9905€-4k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€33k▲
Profit (loss) brought forward from the previous period14P€19k€16k▼
The notes to these accounts (6 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-4k ▼118%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 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, Charleroi · 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.
Ruelle Leclercq 46032 CharleroiGround area
781 m²
Building footprint
61 m²
Volume, LiDAR
529 m³
Parcel 52352C0383/00Y000, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RGDESIGNER
since 20232.341.721.342
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52352C0383/00Y000 | Wallonia | 781 m² | 1 · 61 m² | 10.2 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.
Similar companies · same sector, comparable size
Nicolas MARECHAL
BE 0760.394.975
Trooz · Eq €33,606
RINGO
BE 0646.699.295
Antwerpen · Eq €33,266
VYCOM
BE 0745.701.455
Haaltert · Eq €32,698
A/M Construction Bois
BE 0825.291.044
Wavre · Eq €32,577
WOOODY
BE 0822.995.015
Zandhoven · Eq €38,510
Of 446 companies in sector 31001 we hold annual accounts for 208. 136 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
31001Manufacture of furniture
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.