Ribeiro & Manuel Construction
ActiveSummary
The computed 12-month bankruptcy probability of Ribeiro & Manuel Construction is 1.5% (moderate). The 2025 annual accounts show equity of €61k and a net result of €5k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 27786 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▲+55
Solvency100▲+15
Growth39=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 26.31 against 2.5 in 2024; short-term debt: 3.8% and cash: 35.1% of total assets), and 3.8% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
96.2%
Return on assets
7.2%
Age of the figures
9 mo
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
86 d late
2022
63 d late
2021
32 d late
2020
185 d late
2019
34 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
Turnover
€203k▼ 6.8%
2018 · €217k
2018: €217k
2018 → 2019
EBIT margin
6.6%▼ 11.9pp
2018 · 18.5%
2018: 18.5%
2018 → 2019
Net result
€5k
2024 · €-16k
2018: €37k
2019: €11k
2020: €9k
2021: €14k
2022: €905
2023: €2k
2024: €-16k
2018 → 2025
Working capital
€61k▲ 8.0%
2024 · €56k
2018: €35k
2019: €45k
2020: €54k
2021: €69k
2022: €70k
2023: €72k
2024: €56k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€70k▲ 1.3%€72k▲ 3.1%€56k▼ 21.7%€61k▲ 8.0%
Operating result€26k-€11k▼ 56.0%€21k▲ 88.1%€-15k€16k
Net result€14k-€905▼ 93.7%€2k▲ 141%€-16k€5k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €63k
Equity
€61k ▲ 8.0%
Debt
€2k ▼ 93.6%
Debt's share of the balance-sheet total falls from 39.9% to 3.8%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
26.31▲
2024 · 2.50
Debt to equity
0.04▼
2024 · 0.66
ROE
7.4%▲
2024 · -27.8%
ROA
7.2%▲
2024 · -16.7%
Debt ≤ 1 year
€2k▼
2024 · €38k
Income taxes
€7k▲
2024 · €0
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€94k€63k▼
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€94k€63k▼
Amounts receivable after more than one year29€3k-
Other amounts receivable291€3k-
Amounts receivable within one year40/41€88k€39k▼
Trade receivables40€56k€6k▼
Other amounts receivable41€33k€32k▼
Cash at bank and in hand54/58€0€22k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€94k€63k▼
Equity10/15€56k€61k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€54k€58k▲
Amounts payable17/49€38k€2k▼
Amounts payable within one year42/48€38k€2k▼
Financial debts43€18k-
Credit institutions430/8€18k-
Trade debts44€14k€738▼
Suppliers440/4€14k€738▼
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€493€1k▲
Remuneration and social security454/9€5k€635▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€2k-
Other operating charges640/8€3k€38k▲
Non-recurring operating charges66A€380€688▲
Gross operating margin9900€-10k€55k▲
Operating profit (loss)9901€-15k€16k▲
Financial income75/76B€705-
Recurring financial income75€705-
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€-16k€11k▲
Income taxes67/77€0€7k▲
Profit (loss) for the period9904€-16k€5k▲
Profit (loss) for the period to be appropriated9905€-16k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€58k▲
Profit (loss) brought forward from the previous period14P€70k€54k▼
The notes to these accounts (3 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity times 11current ratio 26.31
Current ratio from 2.50 to 26.31; short-term debt falls from €38k to €2k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-16k ▼819%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 86 days late
2023
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 63 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 9.23
Current ratio from 3.07 to 9.23; short-term debt falls from €33k to €8k.
01-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 32 days late
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 185 days late
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 34 days late
2019
11-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 42 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Anderlecht · 1 establishment unit since 2014
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.
Klaverstraat 141070 AnderlechtGround area
295 m²
Building footprint
179 m²
Volume, LiDAR
2,216 m³
2 parcels, Brussels · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
R & M Construction
since 20142.230.626.549
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21443C0044/00G002 | Brussels | 217 m² | 1 · 116 m² | 17.9 m · 5 fl. |
| 21307E0253/00M003 | Brussels | 78 m² | 1 · 63 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,185 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
Founded16-12-2013
Fiscal year end31-12
Abbreviation FR
R & M CONSTRUCTION
Activities, NACEBEL 2025
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.