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RICHE MULTI-SERVICES

Active
Private limited company·Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)· 3 yrs active
Rue Chasse de la Motte(ON) 3 ·7387 Honnelles, Belgium
KBO/BCE: BE 0803.383.890
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Full dossier in preparation

Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age3 yrs
Real estate1 parcel · 493 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of RICHE MULTI-SERVICES is 2.8% (moderate). The 2024 annual accounts show equity of €2k and a net result of €755. Its solvency ranks better than 29% of 6717 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-08-2025, 20 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 20-08-2025 20 d late 2025-00395466

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€270k
EBIT margin0.4%
Net result€755
Working capital€2k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 20-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 1.6% 20.4%
better than 29% of 6717 sector peers
Net result €755 €4k
better than 40% of 6698 sector peers
Equity €2k €16k
better than 30% of 6732 sector peers
Gross operating margin €5k €24k
better than 29% of 6677 sector peers
Total assets €113k €94k
better than 55% of 6721 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue€270k
EBITDA€2k
Net profit€755
Cash flow€1k
Staff costs-
Income taxes-
Dividends-
Total assets€113k
Equity€2k
Debt€111k
of which ≤ 1y€111k
of which > 1y-
Working capital€2k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.01
Quick ratio0.27
Working capital ratio1.4%
Solvency1.6%
Debt / equity63.43
Long-term debt ratio-
Interest coverage6.51
Gross margin1.8%
Net margin0.3%
ROA0.7%
ROE43.0%
EBITDA margin0.6%
Days sales outstanding13d
Days payable outstanding1d
Inventory turnover3.18
Days inventory (DSI)115d
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€113k
Formation expenses 20€199
Current assets 29/58€113k
Stocks & contracts in progress 3€83k
Amounts receivable within one year 40/41€9k
Cash & bank 54/58€21k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€113k
Equity 10/15€2k
Contributions / capital 10/11€1k
Accumulated profits (losses) 14€755
Amounts payable 17/49€111k
Amounts payable within one year 42/48€111k
Trade debts payable within one year 44€564
Income statement
Turnover 70€270k
Gross operating margin 9900€5k
Operating result 9901€968
Financial income 75€30
Financial charges 65€243
Result before taxes 9903€755
Net result for the period 9904€755
Result to be appropriated 9905€755
Ratios computed by Checked.

Health barometer

FY 2024 · computed
60 / 100 Healthy
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap

Establishment units

1 location
RICHE MULTI-SERVICES
Rue Chasse de la Motte(ON) 3, 7387 HonnellesDetailhandel in auto's en lichte bestelwagens (= 3,5 ton)
since 20232.349.523.013
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area493 m²
Buildings1
Building footprint78 m²
Volume (LiDAR)381 m³
Tallest building6.4 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53063B0178/00E000 Wallonia 493 m² 1 · 77 m² 6.4 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health60Profitability43Solvency12Growth-Stability79
48 / 100

Mixed profile: strong on stability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 60
Profitability 43
Solvency 12
Growth -
Stability 79

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,125 of the 10,655 companies in this sector. 383 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Bouwrijp maken van terreinen43120Bouwrijp maken van terreinen43120Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)45112Groothandel in andere motorvoertuigen (> 3,5 ton)45191Detailhandel in andere motorvoertuigen (> 3,5 ton)45193Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)45201Handelsbemiddeling in de groothandel in andere specifieke goederen46180Groothandel in andere motorvoertuigen (> 3,5 ton)46712Detailhandel in andere motorvoertuigen (> 3,5 ton)47812Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)95311
Primary activity highlighted.
Names & trade names
Legal nameFR RICHE MULTI-SERVICES
Registered office
Rue Chasse de la Motte(ON) 3
7387 Honnelles, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.