Richard ASSAKER
ActiveRichard ASSAKER has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €240k and a net result of €30k. Equity is growing by ~30.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-13
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 49.57 against 4.04 in 2024; short-term debt: 1.4% and cash: 61.9% of total assets), and 1.4% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
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
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
98.6%
Return on assets
12.2%
Age of the figures
9 mo
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
20 d late
2023
27 d late
2022
14 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€240k▲ 14.1%
2024 · €211k
2022: €78k
2023: €154k
2024: €211k
2022 → 2025
Total assets
€244k▼ 4.4%
2024 · €255k
2022: €108k
2023: €183k
2024: €255k
2022 → 2025
Net result
€30k▼ 47.5%
2024 · €57k
2022: €77k
2023: €76k
2024: €57k
2022 → 2025
Working capital
€161k▲ 20.1%
2024 · €134k
2022: €74k
2023: €148k
2024: €134k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€78k-€154k▲ 98.1%€211k▲ 36.8%€240k▲ 14.1%
Operating result€96k-€95k▼ 0.6%€71k▼ 25.2%€38k▼ 46.9%
Net result€77k-€76k▼ 0.6%€57k▼ 25.8%€30k▼ 47.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 47% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €244k
Fixed assets
€79k▲ 3.5%
Current assets
€165k▼ 7.7%
Equity and liabilities €244k
Equity
€240k▲ 14.1%
Debt
€3k▼ 92.5%
The debt ratio falls from 17.3% to 1.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€62k▼
2024 · €90k
Cash flow
€54k▼
2024 · €76k
Solvency
98.6%▲
2024 · 82.7%
Current ratio
49.57▲
2024 · 4.04
Quick ratio
49.57▲
2024 · 4.04
Debt / equity
0.01▼
2024 · 0.21
ROE
12.4%▼
2024 · 26.9%
ROA
12.2%▼
2024 · 22.2%
Interest coverage
472.43▼
2024 · 772.49
Debt
€3k▼
2024 · €44k
Debt ≤ 1 year
€3k▼
2024 · €44k
Income taxes
€8k▼
2024 · €15k
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€255k€244k▼
Fixed assets21/28€76k€79k▲
Tangible fixed assets22/27€76k€79k▲
Furniture and vehicles24€76k€79k▲
Current assets29/58€179k€165k▼
Amounts receivable within one year40/41€19k€13k▼
Trade receivables40€8k€138▼
Other amounts receivable41€10k€13k▲
Cash at bank and in hand54/58€160k€151k▼
Deferred charges and accrued income490/1€83€465▲
Equity and liabilities
Total equity and liabilities10/49€255k€244k▼
Equity10/15€211k€240k▲
Contributions10/11€1k€1k=
Reserves13€210k€239k▲
Distributable reserves133€210k€239k▲
Amounts payable17/49€44k€3k▼
Amounts payable within one year42/48€44k€3k▼
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€34k€0▼
Taxes450/3€34k€0▼
Other amounts payable47/48€4k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€24k▲
Other operating charges640/8€229€67▼
Gross operating margin9900€91k€62k▼
Operating profit (loss)9901€71k€38k▼
Financial charges65/66B€117€131▲
Recurring financial charges65€117€131▲
Profit (loss) for the period before taxes9903€71k€38k▼
Income taxes67/77€15k€8k▼
Profit (loss) for the period9904€57k€30k▼
Profit (loss) for the period to be appropriated9905€57k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€30k▼
Transfer to equity691/2€57k€30k▼
To other reserves6921€57k€30k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €30k ▼47.5%
Net result drops to €30k, the lowest in the series.
31-12
Financial
Liquidity times 12current ratio 49.57
Current ratio from 4.04 to 49.57; short-term debt falls from €44k to €3k.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Equity above €200kEq €211k ▲36.8%
3 profitable years in a row build equity to €211k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €150kEq €154k ▲98.1%
2 profitable years in a row build equity to €154k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tournai · 1 establishment unit since 2022
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 Vert Lion(K) 627540 TournaiGround area
1,231 m²
Building footprint
205 m²
Volume, LiDAR
2,219 m³
Parcel 57042C0093/00N000, Wallonia · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Richard ASSAKER
since 20222.331.224.952
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57042C0093/00N000 | Wallonia | 1,231 m² | 1 · 205 m² | 13.2 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.
Similar companies · same sector, comparable size
DANILOV & Co
BE 0811.033.925
Elsene · Eq €240k
YOISHO
BE 0783.388.925
Gent · Eq €240k
LTA MANAGEMENT CONSULTING
BE 0895.906.549
Edegem · Eq €240k
SANA MENTE ICS
BE 0763.564.105
Lille · Eq €240k
GOODS SEMPELS
BE 0434.128.448
Boom · Eq €240k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 39,071 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.