Equity
€259,187 ▲ 6.3%
RICHARD-MAGAIN has made a profit without a break since 2017.
RICHARD-MAGAIN
Lifetime
20 annual accounts with figures on one time axispeak €176,242 (2012)
€30,023▼ 45.7%
lowest -€13,325 (2006)
€15,290▼ 58.1%
peak €259,187 (2025)
€259,187▲ 6.3%
€55,971▼ 26.5%
Board2 names since 2006
2 directorsAnn-Christie MAGAIN and 1 other
Documentsfilings and deeds
26-08-202626 days late
2025micro format
Gross margin from €55,300 to €30,023Result from €36,510 to €15,290Debts from €76,126 to €55,971
Key points
from the 2025 annual accountsChecked score
96
Excellent
Financially stronger than 69% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026highest value
09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
No main activity registered
lowers risk
Size: total assets €315,158
Liquidity: current ratio 17.57, cash €309,266
Equity €259,187 (82.2% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 81% of them on solvency, 95% on liquidity, 36% on profitability and 62% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,041 companies had the same profile as RICHARD-MAGAIN has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RICHARD-MAGAIN itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for RICHARD-MAGAIN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €24,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 17.57 (10.17 in 2024), above the usual 1.5. Short-term debt is 5.7% and cash 98.1% of total assets. 17.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 26 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
26 days late
2024
34 days early
2023
12 days late
2022
28 days early
2021
23 days early
2020
4 days late
2019
24 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 10 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 July (4 of the last 5 accounts filed within 36 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Changes of role: Thibault RICHARD (director) and Ann-Christie MAGAIN (director)
Legal-form conversion: from private limited company (pre-2019) to private limited company · Director discharge: Thibault RICHARD (manager) · Director discharge: Ann-Christie MAGAIN (manager) · General meeting of 31-05-2023 · Gazette deed
Incorporation
published on 07-04-2006 · Gazette deed
Official details
Source: KBO- Status
- Active since 29-03-2006Normal situation
- Activity
- “La gestion de patrimoine et de participation” (deed in French)From the articlesNo NACE code in the KBO yet
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on RICHARD-MAGAIN
RICHARD-MAGAIN files the micro format. That format states no turnover. The gross margin rose from €18,046 in 2006 to €30,023 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RICHARD-MAGAIN
- What is the company number of RICHARD-MAGAIN?
- The company number of RICHARD-MAGAIN is 0880.314.887. The VAT number is the same number with BE in front: BE 0880.314.887.
- Where is RICHARD-MAGAIN based?
- The registered office is at Chemin de Bousignies 2, 6500 Beaumont.Company details
- What is the legal form of RICHARD-MAGAIN?
- RICHARD-MAGAIN is a private limited company (BV).
- When was RICHARD-MAGAIN founded?
- RICHARD-MAGAIN was founded on 29-03-2006.
- Is RICHARD-MAGAIN still active?
- Yes, RICHARD-MAGAIN is an active enterprise in the KBO register.
- What is the turnover of RICHARD-MAGAIN?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €30,023 and 2,941 comparable companies of the same size. It probably lies between €73,000 and €220,000. It is a rough estimate.Financials
- Is RICHARD-MAGAIN profitable?
- In financial year 2025, RICHARD-MAGAIN made a profit of €15,290.
- Where can I find the annual accounts of RICHARD-MAGAIN?
- RICHARD-MAGAIN filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RICHARD-MAGAIN due?
- RICHARD-MAGAIN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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