RICHARD
ActiveRICHARD has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €739k and a net result of €-14k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 9195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 2.79 against 2.03 in 2024; short-term debt: 4.7% and cash: 3.9% of total assets), and 4.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
95.3%
Return on assets
-1.8%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
15 d early
2024
26 d late
2023
30 d late
2022
21 d late
2021
18 d late
2020
23 d late
2019
51 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€739k▼ 1.9%
2024 · €753k
2018: €168k
2019: €172k
2020: €178k
2021: €778k
2022: €777k
2023: €766k
2024: €753k
2018 → 2025
Total assets
€776k▼ 3.3%
2024 · €803k
2018: €274k
2019: €273k
2020: €267k
2021: €858k
2022: €844k
2023: €826k
2024: €803k
2018 → 2025
Net result
€-14k▼ 13.5%
2024 · €-12k
2018: €7k
2019: €7k
2020: €6k
2021: €-7k
2022: €-205
2023: €-12k
2024: €-12k
2018 → 2025
Working capital
€66k▲ 29.5%
2024 · €51k
2018: €65k
2019: €64k
2020: €62k
2021: €64k
2022: €82k
2023: €59k
2024: €51k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€778k-€777k=€766k▼ 1.5%€753k▼ 1.6%€739k▼ 1.9%
Operating result€-4k-€1k€-11k€-12k▼ 8.7%€-13k▼ 15.1%
Net result€-7k-€-205▲ 96.9%€-12k▼ 5,514%€-12k▼ 7.4%€-14k▼ 13.5%
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 stays negative: a loss of €13k in 2025 against €12k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €776k
Fixed assets
€674k▼ 4.1%
Current assets
€102k▲ 2.5%
Equity and liabilities €776k
Equity
€739k▼ 1.9%
Debt
€37k▼ 25.3%
The debt ratio falls from 6.1% to 4.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€19k▼
2024 · €20k
Cash flow
€19k▼
2024 · €19k
Solvency
95.3%▲
2024 · 93.9%
Current ratio
2.79▲
2024 · 2.03
Quick ratio
2.79▲
2024 · 2.03
Debt / equity
0.05▼
2024 · 0.07
ROE
-1.9%▼
2024 · -1.6%
ROA
-1.8%▼
2024 · -1.5%
Interest coverage
33.38▲
2024 · 30.29
Debt
€37k▼
2024 · €49k
Debt ≤ 1 year
€37k▼
2024 · €49k
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€803k€776k▼
Fixed assets21/28€703k€674k▼
Tangible fixed assets22/27€703k€674k▼
Land and buildings22€703k€674k▼
Current assets29/58€100k€102k▲
Amounts receivable within one year40/41€66k€54k▼
Trade receivables40€7k€313▼
Other amounts receivable41€59k€53k▼
Cash at bank and in hand54/58€22k€30k▲
Deferred charges and accrued income490/1€12k€19k▲
Equity and liabilities
Total equity and liabilities10/49€803k€776k▼
Equity10/15€753k€739k▼
Contributions10/11€741k€741k=
Capital10€741k€741k=
Issued capital100€741k€741k=
Reserves13€13k€13k=
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Profit (loss) carried forward14€-651€-15k▼
Amounts payable17/49€49k€37k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€49k€37k▼
Current portion of amounts payable after more than one year42€9k€0▼
Financial debts43€12€0▼
Credit institutions430/8€12€0▼
Trade debts44€3k€62▼
Suppliers440/4€3k€62▼
Other amounts payable47/48€37k€37k=
Accrued charges and deferred income492/3€225€230▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€33k▲
Other operating charges640/8€11k€11k▲
Gross operating margin9900€31k€30k▼
Operating profit (loss)9901€-12k€-13k▼
Financial income75/76B-€5
Recurring financial income75-€5
Financial charges65/66B€666€574▼
Recurring financial charges65€666€574▼
Profit (loss) for the period before taxes9903€-12k€-14k▼
Profit (loss) for the period9904€-12k€-14k▼
Profit (loss) for the period to be appropriated9905€-12k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-651€-15k▼
Profit (loss) brought forward from the previous period14P€12k€-651▼
The notes to these accounts (5 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Equity above €500kEq €778k ▲336%
Equity rises from €178k to €778k.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Willebroek · 1 establishment unit since 1996
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.
Overwinningsstraat 162830 WillebroekGround area
408 m²
Building footprint
232 m²
Volume, LiDAR
1,484 m³
Parcel 12342C0229/00Y000, Flanders · tallest building 12.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RICHARD
since 19962.074.822.971
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12342C0229/00Y000 | Flanders | 408 m² | 1 · 232 m² | 12.6 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.
Similar companies · same sector, comparable size
DM-VDV INVEST
BE 0463.390.477
Waasmunster · Eq €740k
BOELAERT INVEST COMPANY
BE 0466.651.756
Herzele · Eq €740k
MeDe
BE 0833.329.077
Westerlo · Eq €738k
SYRO INVEST
BE 0472.071.680
Zele · Eq €738k
WINNETKA
BE 0700.930.413
Maasmechelen · Eq €741k
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,962 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-12-1995
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.