Ridder & co
ActiveSummary
Ridder & co has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €3k. Equity is growing by ~37.1% per year across the filed fiscal years. Its solvency ranks better than 18% of 958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-4
Solvency29▼-4
Growth78=
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.92 against 1.06 in 2024; short-term debt: 77.7% and cash: 0% of total assets), and 95.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 18
Relative position
BE, all sectors
reference
Printing and reproduction of recorded media (NACE 18)
about 11% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 958 sector peers (2025).
NBB · sector comparisonPosition among 958 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
2023
1 d early
2022
23 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 24.2%
2024 · €12k
2022: €5klowest in 4 years
2023: €6k▲ +13.8% vs 2022
2024: €12k▲ +103% vs 2023
2025: €15k▲ +24.2% vs 2024highest in 4 years
2022 → 2025
Total assets
€331k▲ 131%
2024 · €143k
2022: €65klowest in 4 years
2023: €169k▲ +159% vs 2022
2024: €143k▼ -15.3% vs 2023
2025: €331k▲ +131% vs 2024highest in 4 years
2022 → 2025
Net result
€3k▼ 52.3%
2024 · €6k
2022: €3k
2023: €699▼ -72.8% vs 2022lowest in 4 years
2024: €6k▲ +750% vs 2023highest in 4 years
2025: €3k▼ -52.3% vs 2024
2022 → 2025
Working capital
€-20k
2024 · €5k
2022: €-2k
2023: €-13k▼ -584% vs 2022
2024: €5k▲ +138% vs 2023highest in 4 years
2025: €-20k▼ -499% vs 2024lowest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€5k-€6k▲ 13.8%€12k▲ 103%€15k▲ 24.2%
2022: €5klowest in 4 years
2023: €6k▲ +13.8% vs 2022
2024: €12k▲ +103% vs 2023
2025: €15k▲ +24.2% vs 2024highest in 4 years
Operating result€5k-€4k▼ 13.2%€14k▲ 207%€11k▼ 23.8%
2022: €5k
2023: €4k▼ -13.2% vs 2022lowest in 4 years
2024: €14k▲ +207% vs 2023highest in 4 years
2025: €11k▼ -23.8% vs 2024
Net result€3k-€699▼ 72.8%€6k▲ 750%€3k▼ 52.3%
2022: €3k
2023: €699▼ -72.8% vs 2022lowest in 4 years
2024: €6k▲ +750% vs 2023highest in 4 years
2025: €3k▼ -52.3% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €331k
Fixed assets
€94k ▲ 52.4%
Current assets
€237k ▲ 190%
Equity and liabilities €331k
Equity
€15k ▲ 24.2%
Debt
€317k ▲ 140%
Debt's share of the balance-sheet total rises from 91.8% to 95.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▲
2024 · €30k
Cash flow
€26k▲
2024 · €23k
Current ratio
0.92▼
2024 · 1.06
Debt to equity
21.75▲
2024 · 11.24
ROE
19.5%▼
2024 · 50.7%
ROA
0.9%▼
2024 · 4.1%
Interest coverage
8.01▲
2024 · 7.20
Debt ≤ 1 year
€257k▲
2024 · €77k
Debt > 1 year
€47k▲
2024 · €32k
Income taxes
€3k▼
2024 · €4k
Staff costs
€241k▲
2024 · €175k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€143k€331k▲
Fixed assets21/28€61k€94k▲
Tangible fixed assets22/27€61k€94k▲
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€33k€25k▼
Leasing and similar rights25€13k€25k▲
Other tangible fixed assets26€5k€36k▲
Current assets29/58€82k€237k▲
Amounts receivable within one year40/41€73k€226k▲
Trade receivables40€73k€93k▲
Other amounts receivable41€204€133k▲
Cash at bank and in hand54/58€137€95▼
Deferred charges and accrued income490/1€9k€11k▲
Equity and liabilities
Total equity and liabilities10/49€143k€331k▲
Equity10/15€12k€15k▲
Contributions10/11€3k€3k=
Reserves13€9k€12k▲
Distributable reserves133€9k€12k▲
Amounts payable17/49€132k€317k▲
Amounts payable after more than one year17€32k€47k▲
Financial debts170/4€32k€47k▲
Amounts payable within one year42/48€77k€257k▲
Current portion of amounts payable after more than one year42€19k€33k▲
Financial debts43-€40k
Credit institutions430/8-€40k
Trade debts44-€9k
Suppliers440/4-€9k
Taxes, remuneration and social security45€49k€104k▲
Taxes450/3€18k€62k▲
Remuneration and social security454/9€31k€42k▲
Other amounts payable47/48€9k€71k▲
Accrued charges and deferred income492/3€23k€13k▼
Income statement
Code20242025
Remuneration, social security and pensions62€175k€241k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€23k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€206k€277k▲
Operating profit (loss)9901€14k€11k▼
Financial income75/76B€8-
Recurring financial income75€8-
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€10k€6k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€6k€3k▼
Profit (loss) for the period to be appropriated9905€6k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€3k▼
Transfer to equity691/2€6k€3k▼
To other reserves6921€6k€3k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €61k | €114k | €175k | €241k | ▲ 37.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €8k | €17k | €23k | ▲ 37.6% |
| Other operating charges640/8 | €3k | €1k | €1k | €2k | ▲ 130% |
| Gross operating margin9900 | €76k | €128k | €206k | €277k | ▲ 34.2% |
| Operating profit (loss)9901 | €5k | €4k | €14k | €11k | ▼ 23.8% |
| Financial income75/76B | €30 | - | €8 | - | - |
| Recurring financial income75 | €30 | - | €8 | - | - |
| Financial charges65/66B | €471 | €991 | €4k | €4k | ▼ 1.3% |
| Recurring financial charges65 | €471 | €991 | €4k | €4k | ▼ 1.3% |
| Profit (loss) for the period before taxes9903 | €5k | €3k | €10k | €6k | ▼ 33.9% |
| Income taxes67/77 | €2k | €3k | €4k | €3k | ▼ 3.6% |
| Profit (loss) for the period9904 | €3k | €699 | €6k | €3k | ▼ 52.3% |
| Profit (loss) for the period to be appropriated9905 | €3k | €699 | €6k | €3k | ▼ 52.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €65k | €169k | €143k | €331k | ▲ 131% |
| Fixed assets21/28 | €27k | €53k | €61k | €94k | ▲ 52.4% |
| Tangible fixed assets22/27 | €27k | €53k | €61k | €94k | ▲ 52.4% |
| Plant, machinery and equipment23 | €2k | €8k | €11k | €8k | ▼ 25.6% |
| Furniture and vehicles24 | - | €26k | €33k | €25k | ▼ 25.9% |
| Leasing and similar rights25 | €26k | €19k | €13k | €25k | ▲ 94.1% |
| Other tangible fixed assets26 | - | - | €5k | €36k | ▲ 690% |
| Current assets29/58 | €38k | €117k | €82k | €237k | ▲ 190% |
| Amounts receivable within one year40/41 | €32k | €106k | €73k | €226k | ▲ 209% |
| Trade receivables40 | €32k | €106k | €73k | €93k | ▲ 27.7% |
| Other amounts receivable41 | - | - | €204 | €133k | ▲ 65,109% |
| Cash at bank and in hand54/58 | €2k | €9k | €137 | €95 | ▼ 30.8% |
| Deferred charges and accrued income490/1 | €4k | €2k | €9k | €11k | ▲ 27.4% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €65k | €169k | €143k | €331k | ▲ 131% |
| Equity10/15 | €5k | €6k | €12k | €15k | ▲ 24.2% |
| Contributions10/11 | €3k | €3k | €3k | €3k | = |
| Capital10 | €3k | €3k | - | - | - |
| Issued capital100 | €3k | €3k | - | - | - |
| Reserves13 | €3k | €3k | €9k | €12k | ▲ 30.7% |
| Distributable reserves133 | €3k | €3k | €9k | €12k | ▲ 30.7% |
| Amounts payable17/49 | €60k | €164k | €132k | €317k | ▲ 140% |
| Amounts payable after more than one year17 | €20k | €34k | €32k | €47k | ▲ 47.7% |
| Financial debts170/4 | €20k | €34k | €32k | €47k | ▲ 47.7% |
| Amounts payable within one year42/48 | €40k | €130k | €77k | €257k | ▲ 234% |
| Current portion of amounts payable after more than one year42 | €6k | €20k | €19k | €33k | ▲ 76.2% |
| Financial debts43 | - | - | - | €40k | - |
| Credit institutions430/8 | - | - | - | €40k | - |
| Trade debts44 | €9k | €13k | - | €9k | - |
| Suppliers440/4 | €9k | €13k | - | €9k | - |
| Advances received on contracts in progress46 | €182 | €68k | - | - | - |
| Taxes, remuneration and social security45 | €17k | €20k | €49k | €104k | ▲ 111% |
| Taxes450/3 | €3k | €7k | €18k | €62k | ▲ 235% |
| Remuneration and social security454/9 | €13k | €14k | €31k | €42k | ▲ 36.7% |
| Other amounts payable47/48 | €7k | €8k | €9k | €71k | ▲ 701% |
| Accrued charges and deferred income492/3 | - | - | €23k | €13k | ▼ 45.9% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €699 | €6k | €3k | ▼ 52.3% |
| + Depreciation and write-downs630 | €7k | €8k | €17k | €23k | ▲ 37.6% |
| Operating cash flow (approximation) | €9k | €9k | €23k | €26k | ▲ 14.0% |
| Investment in fixed assets (approximation) | - | €-34k | €-25k | €-55k | ▼ 117% |
| Change in cash | - | €7k | €-9k | €-42 | ▲ 99.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2022net €6k ▲750%
Operating result €14k, net result €6k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €699 ▼72.8%
Net result drops to €699, the lowest in the series; recovery starts the following year.
23-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Kortrijk · 1 establishment unit since 2020
Ground area
98 m²
Building footprint
64 m²
Parcel 34352F0350/00V007, Flanders. Linked by address, not a title deed.
1 establishment unit
Ridder & co
since 20202.310.048.961
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352F0350/00V007 | Flanders | 98 m² | 1 · 64 m² | - |
Linked by address, not proof of ownership
Good to know
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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Of 2,856 companies in sector 18130 we hold annual accounts for 832. 535 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-10-2020
Fiscal year end30-06
Activities, NACEBEL 2025
18130Pre-press and pre-media services
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
Contact
Website
www.ridder.marketing
E-mail
hallo@ridder.marketing
Scores and ratios are computed by Checked and are not a credit decision.