RICHARDY-KREMER
ActiveRICHARDY-KREMER has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €750k and a net result of €2k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 94% of 656 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
86
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability1▼-4
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 13.04 against 10.69 in 2023), and 6.9% 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 01
Relative position
BE, all sectors
reference
Sector 01
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 2024Solvency, return and age of the figures
Solvency
93.1%
Return on assets
0.2%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
9 d early
2022
31 d late
2021
59 d late
2020
31 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2k▼ 79.4%
2023 · €8k
2018: €45k
2019: €47k
2020: €135k
2021: €88k
2022: €58k
2023: €8k
2018 → 2024
Working capital
€665k▲ 2.4%
2023 · €649k
2018: €343k
2019: €408k
2020: €484k
2021: €630k
2022: €632k
2023: €649k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€594k-€682k▲ 14.8%€740k▲ 8.6%€748k▲ 1.1%€750k▲ 0.2%
Operating result€189k-€126k▼ 33.4%€82k▼ 34.5%€16k▼ 80.4%€-4k
Net result€135k-€88k▼ 34.9%€58k▼ 33.6%€8k▼ 86.4%€2k▼ 79.4%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €4k after €16k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €805k
Fixed assets
€85k▼ 21.1%
Current assets
€720k▲ 0.6%
Equity and liabilities €805k
Equity
€750k▲ 0.2%
Debt
€55k▼ 26.7%
The debt ratio falls from 9.1% to 6.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€18k▼
2023 · €37k
Cash flow
€23k▼
2023 · €29k
Solvency
93.1%▲
2023 · 90.9%
Current ratio
13.04▲
2023 · 10.69
Quick ratio
11.07▲
2023 · 9.09
Debt / equity
0.07▼
2023 · 0.10
ROE
0.2%▼
2023 · 1.1%
ROA
0.2%▼
2023 · 1.0%
Interest coverage
24.69▲
2023 · 11.46
Debt
€55k▼
2023 · €75k
Debt ≤ 1 year
€55k▼
2023 · €67k
Income taxes
€2k▼
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€824k€805k▼
Fixed assets21/28€107k€85k▼
Tangible fixed assets22/27€103k€84k▼
Plant, machinery and equipment23€19k€18k▼
Furniture and vehicles24€84k€67k▼
Financial fixed assets28€4k€135▼
Current assets29/58€716k€720k▲
Stocks and contracts in progress3€107k€109k▲
Stocks30/36€107k€109k▲
Amounts receivable within one year40/41€7k€1k▼
Trade receivables40€6k€1k▼
Other amounts receivable41€424-
Current investments50/53€150k€506k▲
Cash at bank and in hand54/58€431k€92k▼
Deferred charges and accrued income490/1€22k€12k▼
Equity and liabilities
Total equity and liabilities10/49€824k€805k▼
Equity10/15€748k€750k▲
Contributions10/11€25k€28k▲
Reserves13€425k€424k▼
Non-distributable reserves130/1€3k-
Reserves not available under the articles1311€3k-
Tax-exempt reserves132€45k€45k=
Distributable reserves133€377k€379k▲
Profit (loss) carried forward14€298k€298k=
Amounts payable17/49€75k€55k▼
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€67k€55k▼
Current portion of amounts payable after more than one year42€18k€1k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€41k€45k▲
Accrued charges and deferred income492/3€7k-
Income statement
Code20232024
Non-recurring operating income76A€13k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▲
Other operating charges640/8€10k€2k▼
Gross operating margin9900€48k€19k▼
Operating profit (loss)9901€16k€-4k▼
Financial income75/76B€478€8k▲
Recurring financial income75€478€8k▲
Financial charges65/66B€3k€714▼
Recurring financial charges65€3k€714▼
Profit (loss) for the period before taxes9903€13k€4k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€8k€2k▼
Profit (loss) for the period to be appropriated9905€8k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€306k€300k▼
Profit (loss) brought forward from the previous period14P€298k€298k=
Transfer to equity691/2€8k€2k▼
To other reserves6921€8k€2k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €2k ▼79.4%
Net result drops to €2k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity triplescurrent ratio 10.69
Current ratio from 4.09 to 10.69; short-term debt falls from €204k to €67k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 59 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €135k ▲189%
Operating result €189k, net result €135k, both a record.
31-12
Financial
Equity above €500kEq €594k ▲29.5%
3 profitable years in a row build equity to €594k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 56 days late
2016
24-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Burg-Reuland · 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.
Engelbach, Oudler 84790 Burg-Reuland1 establishment unit
RICHARDY-KREMER
since 19962.077.399.609
Recognitions · licences · registrations
Food safety, FASFC
1 siteBurg-Reuland2.077.399.609
Similar companies · same sector, comparable size
BOUILLON-AGRI
BE 0874.504.785
Enghien · Eq €750k
Richard Dumont et Fils
BE 0425.939.569
Beloeil · Eq €749k
DECRASON
BE 0450.845.607
Rumes · Eq €751k
JOACHIM VOET
BE 0757.974.826
Tielt · Eq €748k
FERME TORCHET
BE 0433.149.540
Burdinne · Eq €752k
Of 20,586 companies in sector 01500 we hold annual accounts for 1,144. 840 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-1996
Fiscal year end31-12
Activities, NACEBEL
01500Mixed farming
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filings
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.