Equity
-€1,885
Debts exceed assets in financial year 2025.
RICHE MULTI-SERVICES
Lifetime
2 annual accounts with figures on one time axispeak €269,584 (2024)
€228,774▼ 15.1%
lowest -€3,640 (2025)
-€3,640▼ €4,395
peak €1,755 (2024)
-€1,885▼ €3,640
€113,105▲ 1.6%
Board3 names since 2023
3 directorsRICHE Charles Marc Gérard and 2 others
Documentsfilings and deeds
24-06-202637 days before the deadline
2025micro format
Turnover from €269,584 to €228,774Gross margin from €4,914 to -€1,279Loss of €3,640Equity from €1,755 to -€1,885Cash from €20,536 to €52,239
Key points
from the 2025 annual accountsDebts
€113,105 102% of the balance sheet
Suppliers 2%Taxes and wages 0%Other 98%
Investments
€11,385 7.3 × depreciation
Green is investment, beige is depreciation.
Checked score
54
Fair
Financially stronger than 26% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.6%
01-2025: 2.6%● unchanged vs 12-2024
02-2025: 2.8%▲ +0.2 percentage points vs 01-2025
03-2025: 2.9%▲ +0.1 percentage points vs 02-2025
04-2025: 2.7%▼ -0.2 percentage points vs 03-2025
05-2025: 2.8%▲ +0.1 percentage points vs 04-2025
06-2025: 3.1%▲ +0.3 percentage points vs 05-2025
07-2025: 3.1%● unchanged vs 06-2025highest value
08-2025: 3.1%● unchanged vs 07-2025highest value
09-2025: 2.6%▼ -0.5 percentage points vs 08-2025
10-2025: 2.6%● unchanged vs 09-2025
11-2025: 2.6%● unchanged vs 10-2025
12-2025: 2.6%● unchanged vs 11-2025
01-2026: 2.6%● unchanged vs 12-2025
02-2026: 2.5%▼ -0.1 percentage points vs 01-2026
03-2026: 2.5%● unchanged vs 02-2026
04-2026: 2.5%● unchanged vs 03-2026
05-2026: 2.5%● unchanged vs 04-2026
06-2026: 2.4%▼ -0.1 percentage points vs 05-2026
07-2026: 1.5%▼ -0.9 percentage points vs 06-2026lowest value
08-2026: 1.5%● unchanged vs 07-2026lowest value
09-2026: 1.5%● unchanged vs 08-2026lowest value
10-2026: 1.5%● unchanged vs 09-2026
11-2026: 1.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Founded in 2023
Negative equity -€1,885
Sector: Retail trade (NACE 47)
lowers risk
Liquidity: current ratio 0.89, cash €52,239
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 (NACE 47, micro). It does better than 18% of them on solvency, 52% on liquidity, 20% on profitability and 12% on growth.
The bankruptcy probability was computed on 08-11-2026 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 low class on 30-06-2025, 0.8% 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, 1,555 companies had the same profile as RICHE MULTI-SERVICES has now. Each dot stands for 4 companies, two years later.
91.6%
were still trading
3.6%
stopped another way
4.6%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RICHE MULTI-SERVICES itself: 1.5% 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 1,555 companies, not a prediction for RICHE MULTI-SERVICES. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.89 (1.01 in 2024), below 1. Short-term debt is 101.7% and cash 47% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€1,885
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 24-06-2026, 37 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
37 days early
2024
20 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 9 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed 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.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Appointment: Ganaëlle DRUART (director)
General meeting of 22-10-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0803383890
Incorporation
Founding capital of €1,000, 100 shares · Founder: RICHE Charles Marc Gérard · Appointments: RICHE Charles Marc Gérard (statutory director) and RICHE Guillaume Marius Florent (director) · published on 03-07-2023 · Gazette deed
First establishment
Rue Chasse de la Motte 3, Honnelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RICHE MULTI-SERVICES Honnelles | €228,774 | -1.4% | -1.7% | - |
| AUTOMOBILES LEDRU Beloeil | - | - | -32.2% | - |
| AC MOTOR Quévy | - | - | -53.2% | - |
| S&N SELECTED CARS Brussels | €319,979 | -1.0% | 6.5% | - |
| Car Planet Eni Zandhoven | - | - | -27.0% | - |
| RH CAR Court-Saint-Etienne | €199,852 | -4.6% | -7.1% | - |
| Autovillage Zwijndrecht | - | - | 32.9% | - |
Grey: the largest companies of the sector (retail trade (NACE 47)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as RICHE MULTI-SERVICES: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €90,500 and €123,000, founded in 2023.
Official details
Source: KBO- Status
- Active since 29-06-2023Normal situation
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes)NACE 47811and 5 others
- Establishment unit
- 2.349.523.0137387 Honnelles, since 29-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 05-07-2023
Annual accounts 2025
- €111,221▼ 1.7%
- Filing
- Filed on 24-06-2026, 37 days before the end of the filing period
Insights on RICHE MULTI-SERVICES
RICHE MULTI-SERVICES has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€1,885) and a net result of -€3,640.
Its solvency ranks better than 21% of 22,909 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
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 RICHE MULTI-SERVICES
- What is the company number of RICHE MULTI-SERVICES?
- The company number of RICHE MULTI-SERVICES is 0803.383.890. The VAT number is the same number with BE in front: BE 0803.383.890.
- Where is RICHE MULTI-SERVICES based?
- The registered office is at Rue Chasse de la Motte 3, 7387 Honnelles.Company details
- What does RICHE MULTI-SERVICES do?
- According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
- What is the legal form of RICHE MULTI-SERVICES?
- RICHE MULTI-SERVICES is a private limited company (BV).
- When was RICHE MULTI-SERVICES founded?
- RICHE MULTI-SERVICES was founded on 29-06-2023.
- Is RICHE MULTI-SERVICES still active?
- Yes, RICHE MULTI-SERVICES is an active enterprise in the KBO register.
- What is the turnover of RICHE MULTI-SERVICES?
- The turnover of RICHE MULTI-SERVICES was €228,774 in financial year 2025, according to the filed annual accounts.Financials
- Is RICHE MULTI-SERVICES profitable?
- In financial year 2025, RICHE MULTI-SERVICES made a loss of €3,640.
- Where can I find the annual accounts of RICHE MULTI-SERVICES?
- RICHE MULTI-SERVICES filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RICHE MULTI-SERVICES due?
- RICHE MULTI-SERVICES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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