Ribbens Elsie
ActiveSummary
Ribbens Elsie has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €5k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 61% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+1
Solvency89▲+23
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.25 in 2024; short-term debt: 34.8% and cash: 27.1% of total assets), and 36.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
63.5%
Return on assets
8.7%
Age of the figures
9 mo
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 11-06-2026, 50 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
50 d early
2024
14 d early
2023
7 d early
2022
3 d early
2021
2 d early
2020
2 d early
2019
61 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
€36k▲ 15.8%
2024 · €31k
2019: €14k
2020: €23k
2021: €32k
2022: €38k
2023: €45k
2024: €31k
2019 → 2025
Total assets
€57k▼ 26.0%
2024 · €77k
2019: €88k
2020: €90k
2021: €85k
2022: €82k
2023: €79k
2024: €77k
2019 → 2025
Net result
€5k▼ 25.1%
2024 · €7k
2019: €8k
2020: €9k
2021: €8k
2022: €6k
2023: €7k
2024: €7k
2019 → 2025
Working capital
€7k▼ 19.6%
2024 · €9k
2019: €-48k
2020: €12k
2021: €19k
2022: €25k
2023: €30k
2024: €9k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€38k▲ 20.3%€45k▲ 18.1%€31k▼ 29.8%€36k▲ 15.8%
Operating result€12k-€9k▼ 25.4%€10k▲ 7.3%€9k▼ 7.4%€7k▼ 23.6%
Net result€8k-€6k▼ 23.7%€7k▲ 7.1%€7k▼ 3.3%€5k▼ 25.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 24% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€30k ▼ 10.2%
Current assets
€27k ▼ 38.2%
Equity and liabilities €57k
Equity
€36k ▲ 15.8%
Debt
€21k ▼ 54.6%
Debt's share of the balance-sheet total falls from 59.4% to 36.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▼
2024 · €16k
Cash flow
€14k▼
2024 · €14k
Current ratio
1.36▲
2024 · 1.25
Debt to equity
0.57▼
2024 · 1.46
ROE
13.7%▼
2024 · 21.1%
ROA
8.7%▲
2024 · 8.6%
Interest coverage
40.39▲
2024 · 26.66
Debt ≤ 1 year
€20k▼
2024 · €35k
Debt > 1 year
€826▼
2024 · €11k
Income taxes
€2k▼
2024 · €2k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€77k€57k▼
Fixed assets21/28€34k€30k▼
Intangible fixed assets21€28k€21k▼
Tangible fixed assets22/27€6k€9k▲
Plant, machinery and equipment23€231€1k▲
Furniture and vehicles24€6k€8k▲
Current assets29/58€44k€27k▼
Amounts receivable within one year40/41€26k€6k▼
Trade receivables40€10k€4k▼
Other amounts receivable41€16k€1k▼
Current investments50/53€300€6k▲
Cash at bank and in hand54/58€16k€16k▼
Deferred charges and accrued income490/1€703€0▼
Equity and liabilities
Total equity and liabilities10/49€77k€57k▼
Equity10/15€31k€36k▲
Contributions10/11€6k€6k=
Reserves13€25k€30k▲
Distributable reserves133€25k€30k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€46k€21k▼
Amounts payable after more than one year17€11k€826▼
Financial debts170/4€11k€826▼
Amounts payable within one year42/48€35k€20k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€5k▲
Other amounts payable47/48€20k€4k▼
Accrued charges and deferred income492/3€470€150▼
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€9k▲
Other operating charges640/8€678€844▲
Gross operating margin9900€17k€17k▼
Operating profit (loss)9901€9k€7k▼
Financial income75/76B€709€120▼
Recurring financial income75€709€120▼
Financial charges65/66B€614€390▼
Recurring financial charges65€614€390▼
Profit (loss) for the period before taxes9903€9k€7k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€7k€5k▼
Profit (loss) for the period to be appropriated9905€7k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€5k▼
Profit (loss) brought forward from the previous period14P€86€0▼
Transfer from equity791/2€13k€0▼
Transfer to equity691/2€0€5k▲
To other reserves6921€0€5k▲
Profit to be distributed694/7€20k€0▼
Return on contributions (dividend)694€20k€0▼
The notes to these accounts (13 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €5k ▼25.1%
Net result drops to €5k, the lowest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2019net €9k ▲13.8%
Net result €9k, the highest in the series.
31-12
Financial
Liquidity times 5current ratio 1.62
Current ratio from 0.35 to 1.62; short-term debt falls from €74k to €19k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zottegem · 1 establishment unit since 2019
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.
Heldenlaan 179620 ZottegemGround area
41 m²
Building footprint
277 m²
Volume, LiDAR
2,978 m³
Parcel 41081A0055/00L000, Flanders · tallest building 17.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Ribbens Elsie
since 20192.291.496.227
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41081A0055/00L000 | Flanders | 41 m² | 1 · 277 m² | 17.2 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 128 EUR awarded · 128 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 128 EUR | 128 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,222 companies in sector 82100 we hold annual accounts for 3,510. 2,474 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
Founded14-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:eva@one4finance.be