RIA COOLEN
ActiveSummary
RIA COOLEN has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €-2k. Equity is growing by ~3.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-17
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 22.68 against 17.55 in 2024; short-term debt: 4.4% and cash: 26.3% of total assets), and 4.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
58 d early
2023
35 d early
2022
59 d early
2021
62 d early
2020
58 d early
2019
35 d early
← 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€174k▼ 1.4%
2024 · €177k
2018: €144k
2019: €144k
2020: €145k
2021: €156k
2022: €171k
2023: €185k
2024: €177k
2018 → 2025
Total assets
€183k▼ 2.0%
2024 · €187k
2018: €171k
2019: €187k
2020: €194k
2021: €179k
2022: €192k
2023: €204k
2024: €187k
2018 → 2025
Net result
€-2k
2024 · €23k
2018: €22k
2019: €22k
2020: €18k
2021: €24k
2022: €38k
2023: €14k
2024: €23k
2018 → 2025
Working capital
€174k▲ 2.5%
2024 · €170k
2018: €144k
2019: €165k
2020: €179k
2021: €142k
2022: €156k
2023: €172k
2024: €170k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€171k▲ 9.6%€185k▲ 8.1%€177k▼ 4.5%€174k▼ 1.4%
Operating result€33k-€49k▲ 48.3%€22k▼ 55.1%€28k▲ 24.8%€-3k
Net result€24k-€38k▲ 59.6%€14k▼ 63.4%€23k▲ 64.4%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €28k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €183k
Fixed assets
€799 ▼ 88.0%
Current assets
€182k ▲ 1.1%
Equity and liabilities €183k
Equity
€174k ▼ 1.4%
Debt
€9k ▼ 12.8%
Debt's share of the balance-sheet total falls from 5.5% to 4.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €33k
Cash flow
€3k▼
2024 · €29k
Current ratio
22.68▲
2024 · 17.55
Debt to equity
0.05▼
2024 · 0.06
ROE
-1.4%▼
2024 · 12.9%
ROA
-1.4%▼
2024 · 12.2%
Interest coverage
18.62▼
2024 · 43.91
Debt ≤ 1 year
€8k▼
2024 · €10k
Income taxes
€2k▼
2024 · €14k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€187k€183k▼
Fixed assets21/28€7k€799▼
Tangible fixed assets22/27€7k€799▼
Furniture and vehicles24€7k€799▼
Current assets29/58€180k€182k▲
Amounts receivable within one year40/41€2k€2k▼
Trade receivables40€1k€1k▲
Other amounts receivable41€1k€69▼
Current investments50/53€121k€131k▲
Cash at bank and in hand54/58€55k€48k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€187k€183k▼
Equity10/15€177k€174k▼
Contributions10/11€20k€20k=
Reserves13€157k€154k▼
Distributable reserves133€157k€154k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€10k€9k▼
Amounts payable within one year42/48€10k€8k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€820€1k▲
Suppliers440/4€820€1k▲
Taxes, remuneration and social security45€4k€0▼
Taxes450/3€4k€0▼
Other amounts payable47/48€5k€7k▲
Accrued charges and deferred income492/3-€915
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€741€428▼
Gross operating margin9900€34k€3k▼
Operating profit (loss)9901€28k€-3k▼
Financial income75/76B€10k€3k▼
Recurring financial income75€10k€3k▼
Financial charges65/66B€763€144▼
Recurring financial charges65€763€144▼
Profit (loss) for the period before taxes9903€37k€-806▼
Income taxes67/77€14k€2k▼
Profit (loss) for the period9904€23k€-2k▼
Profit (loss) for the period to be appropriated9905€23k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€-2k▼
Transfer from equity791/2€31k€2k▼
Transfer to equity691/2€23k€0▼
To other reserves6921€23k€0▼
Profit to be distributed694/7€31k€0▼
Return on contributions (dividend)694€31k€0▼
The notes to these accounts (9 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-2k ▼111%
Net result drops to €-2k, the lowest in the series.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €38k ▲59.6%
Operating result €49k, net result €38k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €156k ▲7.8%
4 profitable years in a row build equity to €156k.
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Bree · 1 establishment unit since 2002
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.
Neyenstraat 183960 BreeGround area
2,210 m²
Building footprint
142 m²
Volume, LiDAR
614 m³
Parcel 72402B0815/00L000, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Neyenstraat 18, 3960 Bree
since 20022.238.029.629
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72402B0815/00L000 | Flanders | 2,210 m² | 1 · 142 m² | 7.9 m · 1 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2003
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.