Ribot
ActiveRibot has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €3k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 21% of 12675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+11
Solvency46▲+8
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.65 against 0.73 in 2024; short-term debt: 55.7% of total assets), and 79.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 12675 sector peers (2025).
NBB · sector comparisonPosition among 12675 sector peers
Solvency
better than 21%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
35 d early
2023
7 d early
2022
32 d early
2021
9 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 19.7%
2024 · €13k
2021: €8k
2022: €13k
2023: €13k
2024: €13k
2021 → 2025
Total assets
€77k▼ 23.5%
2024 · €101k
2021: €34k
2022: €61k
2023: €104k
2024: €101k
2021 → 2025
Net result
€3k▲ 5,514%
2024 · €47
2021: €5k
2022: €5k
2023: €239
2024: €47
2021 → 2025
Working capital
€-15k▼ 6.9%
2024 · €-14k
2021: €-686
2022: €-1k
2023: €-8k
2024: €-14k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€13k▲ 71.2%€13k▲ 1.8%€13k▲ 0.4%€16k▲ 19.7%
Operating result€7k-€9k▲ 32.4%€3k▼ 61.2%€7k▲ 101%€10k▲ 46.1%
Net result€5k-€5k▲ 6.0%€239▼ 95.6%€47▼ 80.5%€3k▲ 5,514%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 46% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€49k▼ 21.3%
Current assets
€28k▼ 27.0%
Equity and liabilities €77k
Equity
€16k▲ 19.7%
Debt
€61k▼ 30.0%
The debt ratio falls from 86.8% to 79.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▲
2024 · €21k
Cash flow
€18k▲
2024 · €15k
Solvency
20.7%▲
2024 · 13.2%
Current ratio
0.65▼
2024 · 0.73
Quick ratio
0.65▼
2024 · 0.73
Debt / equity
3.84▼
2024 · 6.57
ROE
16.4%▲
2024 · 0.4%
ROA
3.4%▲
2024 · 0.0%
Interest coverage
4.12▲
2024 · 3.31
Debt
€61k▼
2024 · €87k
Debt ≤ 1 year
€43k▼
2024 · €52k
Debt > 1 year
€18k▼
2024 · €35k
Income taxes
€3k▲
2024 · €1k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€101k€77k▼
Fixed assets21/28€63k€49k▼
Tangible fixed assets22/27€63k€49k▼
Land and buildings22€3k€2k▼
Furniture and vehicles24€60k€47k▼
Current assets29/58€38k€28k▼
Amounts receivable within one year40/41€37k€26k▼
Trade receivables40€10k€5k▼
Other amounts receivable41€26k€22k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€101k€77k▼
Equity10/15€13k€16k▲
Contributions10/11€3k€3k=
Reserves13€11k€13k▲
Distributable reserves133€11k€13k▲
Amounts payable17/49€87k€61k▼
Amounts payable after more than one year17€35k€18k▼
Financial debts170/4€35k€18k▼
Amounts payable within one year42/48€52k€43k▼
Current portion of amounts payable after more than one year42€18k€17k▼
Financial debts43€21k€3k▼
Credit institutions430/8€21k€3k▼
Trade debts44€786€635▼
Suppliers440/4€786€635▼
Taxes, remuneration and social security45€12k€22k▲
Taxes450/3€12k€22k▲
Remuneration and social security454/9€0-
Accrued charges and deferred income492/3€352€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€23k€28k▲
Operating profit (loss)9901€7k€10k▲
Financial income75/76B€927€1k▲
Recurring financial income75€927€1k▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€1k€5k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€47€3k▲
Profit (loss) for the period to be appropriated9905€47€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47€3k▲
Transfer to equity691/2€47€3k▲
To other reserves6921€47€3k▲
The notes to these accounts (10 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €47 ▼80.5%
Net result drops to €47, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €5k ▲6%
Net result €5k, the highest in the series.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 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, Lubbeek · 1 establishment unit since 2020
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.
Bollenberg(LUB) 693210 LubbeekGround area
1,152 m²
Building footprint
155 m²
Volume, LiDAR
794 m³
Parcel 24066E0051/00E002, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ribot
since 20202.312.345.881
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066E0051/00E002 | Flanders | 1,151 m² | 1 · 155 m² | 8.0 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 144 EUR awarded · 144 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 42 EUR | 42 EUR |
| 2024 | 1 | 102 EUR | 102 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,052 companies in sector 69101 we hold annual accounts for 9,053. 5,688 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2020
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.