RicWard
ActiveRicWard has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €196k and a net result of €55k. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
100
/ 100
Excellent▲ +7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+4
Growth52=
Stability94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 3.68 against 1.95 in 2023), and 24.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-01-2026, 158 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
158 d late
2023
33 d early
2022
32 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€196k▲ 34.1%
2023 · €146k
2022: €100k
2023: €146k
2022 → 2024
Total assets
€258k▼ 1.1%
2023 · €261k
2022: €202k
2023: €261k
2022 → 2024
Net result
€55k▲ 19.3%
2023 · €46k
2022: €80k
2023: €46k
2022 → 2024
Working capital
€167k▲ 52.4%
2023 · €110k
2022: €70k
2023: €110k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€100k-€146k▲ 46.0%€196k▲ 34.1%
Operating result€106k-€63k▼ 40.5%€69k▲ 9.4%
Net result€80k-€46k▼ 42.5%€55k▲ 19.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 9% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €258k
Fixed assets
€28k▼ 21.3%
Current assets
€229k▲ 2.1%
Equity and liabilities €258k
Equity
€196k▲ 34.1%
Debt
€62k▼ 45.8%
The debt ratio falls from 44.1% to 24.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€72k▲
2023 · €67k
Cash flow
€58k▲
2023 · €50k
Solvency
75.9%▲
2023 · 55.9%
Current ratio
3.68▲
2023 · 1.95
Quick ratio
3.68▲
2023 · 1.95
Debt / equity
0.32▼
2023 · 0.79
ROE
28.0%▼
2023 · 31.5%
ROA
21.2%▲
2023 · 17.6%
Interest coverage
1349.02▼
2023 · 1742.30
Debt
€62k▼
2023 · €115k
Debt ≤ 1 year
€62k▼
2023 · €115k
Income taxes
€14k▼
2023 · €17k
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€261k€258k▼
Fixed assets21/28€36k€28k▼
Intangible fixed assets21€24k€21k▼
Tangible fixed assets22/27€12k€7k▼
Other tangible fixed assets26€12k€7k▼
Current assets29/58€225k€229k▲
Amounts receivable within one year40/41€14k€11k▼
Trade receivables40€14k€11k▼
Other amounts receivable41-€5
Cash at bank and in hand54/58€210k€219k▲
Deferred charges and accrued income490/1-€90
Equity and liabilities
Total equity and liabilities10/49€261k€258k▼
Equity10/15€146k€196k▲
Contributions10/11€20k€20k=
Reserves13€60k€90k▲
Distributable reserves133€60k€90k▲
Profit (loss) carried forward14€66k€86k▲
Amounts payable17/49€115k€62k▼
Amounts payable within one year42/48€115k€62k▼
Trade debts44€8k€11k▲
Suppliers440/4€8k€11k▲
Taxes, remuneration and social security45€29k€5k▼
Taxes450/3€27k€3k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€77k€46k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€113-
Gross operating margin9900€67k€72k▲
Operating profit (loss)9901€63k€69k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€38€54▲
Recurring financial charges65€38€54▲
Profit (loss) for the period before taxes9903€63k€69k▲
Income taxes67/77€17k€14k▼
Profit (loss) for the period9904€46k€55k▲
Profit (loss) for the period to be appropriated9905€46k€55k▲
Appropriation of the result
Profit (loss) to be appropriated9906€96k€121k▲
Profit (loss) brought forward from the previous period14P€50k€66k▲
Transfer to equity691/2€30k€30k=
To other reserves6921€30k€30k=
Profit to be distributed694/7-€5k
Directors or managers695-€5k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
05-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 158 days late
2024
31-12
Financial
Equity above €150kEq €196k ▲34.1%
3 profitable years in a row build equity to €196k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €46k ▼42.5%
Net result drops to €46k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €146k ▲46%
2 profitable years in a row build equity to €146k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gesves · 1 establishment unit since 2021
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.
Rue de Houyoux 15340 GesvesGround area
2,725 m²
Building footprint
152 m²
Parcel 92054F0310/00G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
RicWard
since 20212.313.266.886
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92054F0310/00G000 | Wallonia | 2,725 m² | 1 · 152 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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IKARI CONSULTING
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CTI
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CODOX
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Scherpenheuvel-Zichem · Eq €196k
Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 6,620 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2021
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.