RIBABOR
ActiveRIBABOR has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.09M and a net result of €260k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 44% of 6588 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability62▲+12
Solvency38▲+6
Growth77▼-1
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity short (current ratio 0.73 against 0.64 in 2023), and 72% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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 2024Solvency, return and age of the figures
Solvency
28%
Return on assets
6.7%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
4 d late
2023
14 d late
2022
29 d late
2021
45 d early
2020
17 d late
2019
66 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€6.82M▲ 13.1%
2023 · €6.03M
2023: €6.03M
2023 → 2024
EBIT margin
5.4%▲ 1.7pp
2023 · 3.7%
2023: 3.7%
2023 → 2024
Net result
€260k▲ 68.3%
2023 · €154k
2018: €-19k
2019: €59k
2020: €268k
2021: €202k
2022: €39k
2023: €154k
2018 → 2024
Working capital
€-308k▲ 12.2%
2023 · €-351k
2018: €-489k
2019: €-377k
2020: €-152k
2021: €-165k
2022: €-350k
2023: €-351k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€6.03M€6.82M▲ 13.1%
Equity€652k-€853k▲ 31.0%€853k=€1.01M▲ 18.1%€1.09M▲ 8.3%
Operating result€326k-€277k▼ 15.0%€151k▼ 45.4%€221k▲ 46.4%€365k▲ 64.9%
Net result€268k-€202k▼ 24.7%€39k▼ 80.6%€154k▲ 294%€260k▲ 68.3%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 65% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.90M
Fixed assets
€3.06M▼ 3.6%
Current assets
€846k▲ 34.4%
Equity and liabilities €3.90M
Equity
€1.09M▲ 8.3%
Debt
€2.81M▲ 0.7%
The debt ratio falls from 73.5% to 72.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€562k▲
2023 · €411k
Cash flow
€457k▲
2023 · €344k
Solvency
28.0%▲
2023 · 26.5%
Current ratio
0.73▲
2023 · 0.64
Quick ratio
0.40▲
2023 · 0.28
Debt / equity
2.58▼
2023 · 2.77
ROE
23.8%▲
2023 · 15.3%
ROA
6.7%▲
2023 · 4.1%
Interest coverage
8.51▲
2023 · 7.87
Debt
€2.81M▲
2023 · €2.79M
Debt ≤ 1 year
€1.15M▲
2023 · €981k
Debt > 1 year
€1.54M▼
2023 · €1.81M
Income taxes
€83k▲
2023 · €66k
Staff costs
€425k▲
2023 · €364k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€3.80M€3.90M▲
Fixed assets21/28€3.17M€3.06M▼
Intangible fixed assets21€30k€30k=
Tangible fixed assets22/27€3.14M€3.03M▼
Land and buildings22€2.18M€2.10M▼
Plant, machinery and equipment23€803k€748k▼
Furniture and vehicles24€161k€176k▲
Current assets29/58€630k€846k▲
Stocks and contracts in progress3€359k€389k▲
Stocks30/36€359k€389k▲
Amounts receivable within one year40/41€17k€21k▲
Trade receivables40€8k€3k▼
Other amounts receivable41€9k€18k▲
Cash at bank and in hand54/58€254k€436k▲
Deferred charges and accrued income490/1-€134
Equity and liabilities
Total equity and liabilities10/49€3.80M€3.90M▲
Equity10/15€1.01M€1.09M▲
Contributions10/11€350k€350k=
Reserves13€189k€189k=
Non-distributable reserves130/1€35k€35k=
Reserves not available under the articles1311€35k€35k=
Distributable reserves133€154k€154k=
Profit (loss) carried forward14€468k€552k▲
Amounts payable17/49€2.79M€2.81M▲
Amounts payable after more than one year17€1.81M€1.54M▼
Financial debts170/4€1.81M€1.54M▼
Amounts payable within one year42/48€981k€1.15M▲
Current portion of amounts payable after more than one year42€182k€182k=
Trade debts44€425k€203k▼
Suppliers440/4€425k€203k▼
Taxes, remuneration and social security45€62k€106k▲
Taxes450/3€28k€70k▲
Remuneration and social security454/9€34k€36k▲
Other amounts payable47/48€312k€663k▲
Accrued charges and deferred income492/3€3k€117k▲
Income statement
Code20232024
Turnover70€6.03M€6.82M▲
Goods, raw materials, services and sundry goods60/61€5.39M€6.00M▲
Remuneration, social security and pensions62€364k€425k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€190k€197k▲
Other operating charges640/8€18k€25k▲
Gross operating margin9900€793k€1.01M▲
Operating profit (loss)9901€221k€365k▲
Financial income75/76B€51k€44k▼
Recurring financial income75€51k€44k▼
Financial charges65/66B€52k€66k▲
Recurring financial charges65€52k€66k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€220k€343k▲
Income taxes67/77€66k€83k▲
Profit (loss) for the period9904€154k€260k▲
Profit (loss) for the period to be appropriated9905€154k€260k▲
Appropriation of the result
Profit (loss) to be appropriated9906€623k€728k▲
Profit (loss) brought forward from the previous period14P€468k€468k=
Transfer to equity691/2€154k€0▼
To other reserves6921€154k€0▼
Profit to be distributed694/7€0€176k▲
Return on contributions (dividend)694€0€176k▲
Social balance
Average headcount (FTE)90879.210.6▲
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 4 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 14 days late
2023
31-12
Financial
Equity above €1MEq €1.01M ▲18.1%
5 profitable years in a row build equity to €1.01M.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 17 days late
2020
31-12
Financial
Highest result since 2018net €268k ▲354%
Net result €268k, the highest in the series.
31-12
Financial
Equity above €500kEq €652k ▲69.9%
2 profitable years in a row build equity to €652k.
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 66 days late
2019
31-12
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 24 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Namur · 1 establishment unit since 2017
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 de Gembloux(RH) 6705020 NamurGround area
7,464 m²
Parcel 92120G0325/00P007, Wallonia. Linked by address, not a title deed.
1 establishment unit
RIBABOR
since 20172.261.229.356
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92120G0325/00P007 | Wallonia | 7,464 m² | - | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyNamur2.261.229.356
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Of 10,412 companies in sector 47110 we hold annual accounts for 5,786. 2,140 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2017
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.