Filings
4 annual accounts 2 late
The 2025 accounts came latest: 25 days after the end of the period.
RICKI
Overview
Lifetime
4 annual accounts with figures on one time axispeak €37,513 (2023)
-€6,557▼ €22,890
lowest -€12,760 (2025)
-€12,760▼ €20,590
peak €37,350 (2024)
€24,590▼ 34.2%
€4,416▼ 66.7%
Board2 names since 2021
2 directorsFOURIER Veronique Lieve Maurice and 1 other
Documentsfilings and deeds
25-08-202625 days late
2025micro format
Gross margin from €16,333 to -€6,557Loss of €12,760Equity from €37,350 to €24,590Debts from €13,272 to €4,416Cash from €31,267 to €13,769
Key points
from the 2025 annual accountsBoard
1 left
A director left. Latest change 15-06-2026 · 1 in office.
Position in the sector
84.8%
Higher solvency than 92% of companies in food products. Sector median 31.3% · 1,916 companies.
Turnover not published (micro format)
Checked score
69
Healthy
Financially stronger than 53% of micro companies in food products (NACE 10)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.1% across 3,080 companies (NACE 10, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.7%● unchanged vs 03-2025
05-2025: 0.8%▲ +0.1 percentage points vs 04-2025
06-2025: 0.8%● unchanged vs 05-2025
07-2025: 0.9%▲ +0.1 percentage points vs 06-2025
08-2025: 1.1%▲ +0.2 percentage points vs 07-2025highest value
09-2025: 0.4%▼ -0.7 percentage points vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026lowest value
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.5%▲ +0.1 percentage points vs 06-2026
08-2026: 0.8%▲ +0.3 percentage points vs 07-2026
09-2026: 0.7%▼ -0.1 percentage points vs 08-2026
10-2026: 0.7%● unchanged vs 09-2026
11-2026: 0.7%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Manufacture of food products (NACE 10)
Founded in 2021
lowers risk
Liquidity: current ratio 3.92, cash €13,769, halved
Equity €24,590 (84.8% 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 (NACE 10, micro). It does better than 93% of them on solvency, 96% on liquidity, 6% on profitability and 15% on growth.
The bankruptcy probability was computed on 09-11-2026 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, 3,223 companies had the same profile as RICKI has now. Each dot stands for 9 companies, two years later.
87.8%
were still trading
8.7%
stopped another way
3.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RICKI itself: 0.7% 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 3,223 companies, not a prediction for RICKI. 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 €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.92 (2.67 in 2024), above the usual 1.5. Short-term debt is 15.2% and cash 47.5% of total assets. 15.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 25 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 4 filingsDeviation from the deadline
2025
25 days late
2024
21 days late
2023
23 days early
2022
42 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 5 days before the deadline. In the sector (NACE 10), the median for financial year 2024 was 4 days before the deadline, and 38% 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. The company usually files around 31 July (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Transfer of 50 shares from Riet Vandermaesen to Veronique Fourier
Resignation: Riet Vandermaesen (director) · Veronique Fourier holds all the shares · General meeting of 18-06-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0777909613
Incorporation
Founding capital of €4,000, 100 shares · Founders: FOURIER Veronique Lieve Maurice and VANDERMAESEN Riet Hilde · Appointments: FOURIER Veronique Lieve Maurice (director) and VANDERMAESEN Riet Hilde (director) · published on 03-12-2021 · Gazette deed
First establishment
Lindensestraat 42, Leuven
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RICKI Leuven | €29,006 | -€6,557 | 84.8% | - |
| Grecla Houthalen-Helchteren | €23,489 | -€534 | 34.2% | - |
| MIMI WONKA Schaerbeek | €37,713 | -€8,916 | 0.1% | - |
| PASTRY SOLUTIONS Brecht | €22,684 | -€1,301 | -754.8% | - |
| BELGO BAKE Grimbergen | €44,426 | -€5,024 | -151.5% | - |
| LA PAYSANE Jette | €33,851 | -€31,983 | -445.4% | - |
| A PASTRY LAB Antwerp | €29,487 | -€5,304 | -10.2% | - |
These companies have the same main activity as RICKI: artisanal bread and fresh pastry making (NACE 10712). They are comparable in size and age: total assets between €22,700 and €44,400, founded between 2019 and 2024.
Official details
Source: KBO- Status
- Active since 01-12-2021Normal situation
- Activity
- Artisanal bread and fresh pastry makingNACE 10712and 4 others
- Establishment unit
- 2.324.808.0073010 Leuven, since 01-12-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 05-12-2025
Annual accounts 2025
- -€6,557
- €12,760
- €24,590▼ 34.2%
- €29,006▼ 42.7%
- Filing
- Filed on 25-08-2026
Insights on RICKI
RICKI files the micro format. That format states no turnover. The gross margin fell from €2,539 in 2022 to -€6,557 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 25-08-2026, 25 days late-€6,557
▼ €22,890
-€12,345
▼ €22,775
-€12,760
▼ €20,590
€12,880
▼ 41.9%
84.8%
▲ 11.0 percentage points
3.92
▲ 1.25
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €29,006 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
84.8%
Higher than 93% of 1,916 companies in 2025.
3.92
Higher than 87% of 1,860 companies in 2025.
-44.0%
Higher than 5% of 1,876 companies in 2025.
RICKI
Middle half of the sector
80% of the sector
Micro accounts in food products (NACE 10)
Net result: bottom quarter · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
29,006 | 50,622 | 52,679 | 43,505 | |
21/28 |
11,710 | 15,171 | 19,542 | 23,913 | |
22/27 |
11,710 | 15,171 | 19,542 | 23,913 | |
23 |
4,692 | 8,120 | 11,548 | 14,976 | |
24 |
910 | - | - | - | |
26 |
6,108 | 7,051 | 7,994 | 8,938 | |
29/58 |
17,297 | 35,451 | 33,137 | 19,592 | |
3 |
3,238 | 4,090 | 2,570 | 2,721 | |
30/36 |
3,238 | 4,090 | 2,570 | 2,721 | |
40/41 |
179 | - | - | - | |
41 |
179 | - | - | - | |
54/58 |
13,769 | 31,267 | 30,483 | 16,848 | |
490/1 |
110 | 94 | 84 | 23 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
29,006 | 50,622 | 52,679 | 43,505 | |
10/15 |
24,590 | 37,350 | 29,519 | 2,344 | |
10/11 |
4,000 | 4,000 | 4,000 | 4,000 | |
14 |
20,590 | 33,350 | 25,519 | -1,656 | |
17/49 |
4,416 | 13,272 | 23,160 | 41,161 | |
42/48 |
4,416 | 13,272 | 23,160 | 41,161 | |
44 |
421 | 1,775 | 1,349 | 411 | |
440/4 |
421 | 1,775 | 1,349 | 411 | |
45 |
2,183 | 9,185 | 6,811 | 1,052 | |
450/3 |
2,183 | 9,185 | 6,811 | 1,052 | |
47/48 |
1,812 | 2,312 | 15,000 | 39,699 | |
| Income statement | |||||
9900 |
-6,557 | 16,333 | 37,513 | 2,539 | |
630 |
4,477 | 4,371 | 4,371 | 2,659 | |
640/8 |
1,312 | 1,532 | 845 | 1,214 | |
9901 |
-12,345 | 10,430 | 32,297 | -1,334 | |
75/76B |
5 | 110 | 1 | 25 | |
75 |
5 | 110 | 1 | 25 | |
65/66B |
419 | 526 | 383 | 347 | |
65 |
419 | 526 | 383 | 347 | |
9903 |
-12,760 | 10,014 | 31,915 | -1,656 | |
67/77 |
- | 2,183 | 4,740 | - | |
9904 |
-12,760 | 7,831 | 27,175 | -1,656 | |
9905 |
-12,760 | 7,831 | 27,175 | -1,656 | |
| Appropriation of the result | |||||
9906 |
20,590 | 33,350 | 25,519 | -1,656 | |
14P |
33,350 | 25,519 | -1,656 | - | |
| Document | |||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 25-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 25 days after the deadline. Filed on 25 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00431026.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| -7,868 | 14,801 | 36,668 | 1,325 | ||
| -8,283 | 12,202 | 31,546 | 1,003 | ||
| 1,016 | 0 | 0 | 26,572 | ||
| -17,498 | 783 | 13,636 | - | ||
| 12,880 | 22,179 | 9,977 | -21,569 | ||
| 84.8% | 73.8% | 56.0% | 5.4% | ||
| 3.92 | 2.67 | 1.43 | 0.48 | ||
| 3.18 | 2.36 | 1.32 | 0.41 | ||
| 0.18 | 0.36 | 0.78 | 17.56 | ||
| -51.9% | 21.0% | 92.1% | -70.7% | ||
| -44.0% | 15.5% | 51.6% | -3.8% | ||
| -18.76 | 28.13 | 95.85 | 3.82 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | €1,016 | - | - | €26,572 |
| €4,477 | €4,371 | €4,371 | €2,659 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on RICKI
The operating result for 2025 is a loss of €12,345, after a profit of €10,430 in 2024. It is the lowest result since 2022.
Debt's share of the balance-sheet total falls from 26.2% to 15.2%. Equity and debt are lower.
Board & ownership
Board
1 director, no change since June 2026Director (not named in the articles)
appointed by deed of 03-12-2021
term without a fixed end
listed in the 2025 annual accounts, filed on 25-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Two directors jointlydeed of 03-12-2021
Mandates through the years
2 names, the dashed line is todayFOURIER Veronique Lieve Maurice
Director (not named in the articles)
Director (not named in the articles)
VANDERMAESEN Riet Hilde
Director (not named in the articles)
Director (not named in the articles)
BoardEarlier
Mandates as a list
- FOURIER Veronique Lieve Maurice
- Director (not named in the articles), from 01-12-2021 to date
- VANDERMAESEN Riet Hilde
- Director (not named in the articles), from 01-12-2021 to 15-06-2026
Control
Shareholder
Veronique Fourier
This company
RICKI
Equity €24,590
Loss €12,760 in 2025
Capital
- Contribution
- €4,000
- Shares
- 100
- Contribution per share
- €40
- Equity per share
- €246 in 2025
- Source
- deed of 03-12-2021
Articles of association
deed of 03-12-2021 (in Dutch)- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft ten laste overdrager,helft ten laste koper(s) naar evenredigheid verworven aantal, elke overdracht onder levenden ten bezwarende en…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 30 June at 18:00
Shareholders
Stated in the deed
deed of 22-07-2026 ↗
- Veronique Fourier all shares
Share transfer
deed of 22-07-2026 ↗
- Riet Vandermaesen to Veronique Fourier 50 shares
At incorporation
deed of 03-12-2021 ↗
- FOURIER Veronique Lieve Maurice 50 shares (50%) · €2,000
- VANDERMAESEN Riet Hilde 50 shares (50%) · €2,000
Network & group
No group
RICKI has no parent and no holdings in its annual accounts. FOURIER Veronique Lieve Maurice is the only director. RICKI shares no director with another company.
Timeline
Timeline
11 events since 2021Board
Capital
Filings
Financial
Establishments
202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 25 days late
Transfer of 50 shares from Riet Vandermaesen to Veronique FourierResignation: Riet Vandermaesen (director) · Veronique Fourier holds all the shares · General meeting of 18-06-20266 points ▸
- General meeting, 18-06-2026
- Share transfer, Riet Vandermaesen → Veronique Fourier, 50 shares
- Veronique Fourier holds all the shares
- Director resignation, Riet Vandermaesen (director (not named in the articles))
- Board meeting, 15-06-2026
- Director resignation, Riet Vandermaesen (day-to-day manager)
2025
Weakest financial year net -€12,760 The net result drops to -€12,760, the lowest from 2022 to 2025.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0777909613
Annual accounts 2024 filed PDFmicro format · 21 days late
2024
Annual accounts 2023 filed PDFmicro format · 23 days before the deadline
2023
Back to profit net €27,175 The net result is €27,175, after one loss-making year.
Liquidity triples current ratio 1.43 The current ratio rises from 0.48 to 1.43. Short-term debt falls from €41,161 to €23,160.
Annual accounts 2022 filed PDFmicro format · 42 days before the deadline
2021
IncorporationFounding capital of €4,000, 100 shares · Founders: FOURIER Veronique Lieve Maurice and VANDERMAESEN Riet Hilde · Appointments: FOURIER Veronique Lieve Maurice (director) and VANDERMAESEN Riet Hilde (director) · published on 03-12-20215 points ▸
- Founder, FOURIER Veronique Lieve Maurice
- Founder, VANDERMAESEN Riet Hilde
- Founding capital, €4,000, 100 shares
- Director appointment, FOURIER Veronique Lieve Maurice (director (not named in the articles))
- Director appointment, VANDERMAESEN Riet Hilde (director (not named in the articles))
- The deed holds 1 more point.
First establishment Lindensestraat 42, Leuven
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
RICKI was incorporated on 1 December 2021 as a private limited company by two natural persons, with a starting capital of €4,000.12 FOURIER Veronique Lieve Maurice is director of the company, appointed by deed of 03-12-2021.2 Total assets fell from €43,505 in 2022 to €29,006 in 2025.3
Company details
Identity
- Enterprise number
- 0777.909.613
- VAT number
- BE 0777.909.613
- Peppol ID
- 0208:0777909613
- Other Peppol ID
- 9925:BE0777909613
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 01-12-2021
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 30 June at 18:00deed of 03-12-2021 (in Dutch)
- Peppol
- Reachable since 05-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- RICKI in Dutch
- Entity type
- Legal entity
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Lindensestraat 42, 3010 Kessel-Lo”deed of 03-12-2021 (in Dutch)
Activities
NACEBEL 202510712
Artisanal bread and fresh pastry making main activity
47791
Retail sale of antiques
Codes under NACEBEL 2008
10712
Artisanal bread and fresh pastry making main activity
47791
Retail trade
47793
Retail trade
47910
Retail trade
74103
Other professional, scientific and technical activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Koffiethee-boekenhuisje; Verkoop aan de toog of via telefoon,fax,internet van eetwaren en dranken:croissanteries,crêperies en…”deed of 03-12-2021 (in Dutch)
26 activities
- Koffiethee-boekenhuisje
- Verkoop aan de toog of via telefoon,fax,internet van eetwaren en dranken:croissanteries,crêperies en warmewafelkramen
- Verkoop aan de toog of via telefoon,fax,internet van eetwaren en dranken:tearooms,ijssalons,enz.
- Verkoop aan de toog of via telefoon,fax,internet van boeken,gadgets,grafische werken,planten,bloemen
- Cafés en bars
- Binderijen en aanverwante diensten
- Overige industrie,n.e.g.
- Handelsbemiddeling in papierwaren,kranten,boeken en tijdschriften
- Kleinhandel in brood en banketbakkerswerk
- Gespecialiseerde detailhandel in geschenken m.b.t.de woninginrichting
- Detailhandel in kranten en kantoorbehoeften in gespecialiseerde winkels
- Kleinhandel in imitatiesieraden,gadgets,enz.
- Detailhandel in nieuwe kunstvoorwerpen in gespecialiseerde winkels
- Detailhandel in antiquiteiten in winkels
- Kleinhandel in tweedehandsboeken
- Uitgeverijen van boeken
- Activiteiten van grafische designers
- Beoefening van uitvoerende kunsten door zelfstandig werkende artiesten
- Scheppende kunsten,m.u.v.ondersteunende diensten
- Beheer en exploitatie van multifunctionele centra en evenementenhallen,overwegend ten behoeve van de scheppende en uitvoerende kunst
- Vervaardigen van soepen,bouillons,enz.
- Vervaardigen van brood en vers banketbakkerswerk
- Detailhandel in brood en banketbakkerswerk in gespecialiseerde winkels(koude bakkers)
- Vervaardiging van enveloppen en postkaarten
- Het verzamelen,vervoeren en afleveren van post en pakjes in binnen en buitenland
- Nietgespecialiseerde detailhandel in algemene voedingsmiddelen(verkoopsoppervlakte minder dan 100 m2)
Registered office and establishments
1 establishment| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| Lindensestraat 42 registered office 3010 Leuven | 01-12-2021 | 2.324.808.007 | Bakery Restaurant |
Buildings and parcels at the address
- Ground area
- 97 m²
- Buildings
- 23 m²
- Volume, LiDAR
- 167 m³
- Tallest building
- 8.4 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24482F0235/00C005 | 97 m² | 1 · 23 m² | 8.4 m · 2 |
Recognitions
Food safety, FASFC
1 siteLeuvenunit number 2.324.808.007