RIF
ActiveRIF has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €362k and a net result of €85k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 64% of 8072 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
76
/ 100
Excellent▲ +5 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency76▲+10
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.92 against 0.29 in 2023), and 31.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €362k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
35 d early
2022
35 d early
2021
31 d late
2020
32 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€362k▲ 12.8%
2023 · €321k
2018: €364k
2019: €388k
2020: €375k
2021: €346k
2022: €240k
2023: €321k
2018 → 2024
Total assets
€525k▲ 2.0%
2023 · €515k
2018: €372k
2019: €419k
2020: €391k
2021: €564k
2022: €523k
2023: €515k
2018 → 2024
Net result
€85k▲ 4.5%
2023 · €81k
2018: €32k
2019: €25k
2020: €46k
2021: €13k
2022: €25k
2023: €81k
2018 → 2024
Working capital
€-11k▲ 89.4%
2023 · €-106k
2018: €129k
2019: €170k
2020: €180k
2021: €-94k
2022: €-191k
2023: €-106k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€375k-€346k▼ 7.9%€240k▼ 30.7%€321k▲ 33.9%€362k▲ 12.8%
Operating result€70k-€20k▼ 70.7%€46k▲ 124%€61k▲ 32.5%€64k▲ 5.5%
Net result€46k-€13k▼ 72.7%€25k▲ 96.7%€81k▲ 228%€85k▲ 4.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 5% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €525k
Fixed assets
€396k▼ 16.2%
Current assets
€130k▲ 201%
Equity and liabilities €525k
Equity
€362k▲ 12.8%
Debt
€163k▼ 15.8%
The debt ratio falls from 37.7% to 31.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€83k▼
2023 · €86k
Cash flow
€104k▼
2023 · €107k
Solvency
68.9%▲
2023 · 62.3%
Current ratio
0.92▲
2023 · 0.29
Quick ratio
0.92▲
2023 · 0.29
Debt / equity
0.45▼
2023 · 0.60
ROE
23.5%▼
2023 · 25.3%
ROA
16.2%▲
2023 · 15.8%
Interest coverage
9.34▼
2023 · 12.95
Debt
€163k▼
2023 · €194k
Debt ≤ 1 year
€141k▼
2023 · €149k
Debt > 1 year
€13k▼
2023 · €33k
Income taxes
€23k▲
2023 · €23k
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€515k€525k▲
Fixed assets21/28€472k€396k▼
Tangible fixed assets22/27€129k€110k▼
Land and buildings22€126k€110k▼
Furniture and vehicles24€3k-
Financial fixed assets28€343k€286k▼
Current assets29/58€43k€130k▲
Amounts receivable within one year40/41€855-
Trade receivables40€855-
Cash at bank and in hand54/58€42k€130k▲
Equity and liabilities
Total equity and liabilities10/49€515k€525k▲
Equity10/15€321k€362k▲
Contributions10/11€19k€19k=
Reserves13€295k€336k▲
Distributable reserves133€295k€336k▲
Profit (loss) carried forward14€7k€7k=
Amounts payable17/49€194k€163k▼
Amounts payable after more than one year17€33k€13k▼
Financial debts170/4€30k€10k▼
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€149k€141k▼
Current portion of amounts payable after more than one year42€22k€20k▼
Trade debts44€872€3k▲
Suppliers440/4€872€3k▲
Taxes, remuneration and social security45€11k€10k▼
Taxes450/3€11k€10k▼
Other amounts payable47/48€115k€107k▼
Accrued charges and deferred income492/3€12k€10k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€19k▼
Other operating charges640/8€8k€13k▲
Non-recurring operating charges66A€257€63▼
Gross operating margin9900€95k€96k▲
Operating profit (loss)9901€61k€64k▲
Financial income75/76B€50k€53k▲
Recurring financial income75€50k€53k▲
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€104k€108k▲
Income taxes67/77€23k€23k▲
Profit (loss) for the period9904€81k€85k▲
Profit (loss) for the period to be appropriated9905€81k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€88k€92k▲
Profit (loss) brought forward from the previous period14P€7k€7k=
Transfer from equity791/2-€44k
Transfer to equity691/2€81k€85k▲
To other reserves6921€81k€85k▲
Profit to be distributed694/7-€44k
Return on contributions (dividend)694-€44k
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
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €85k ▲4.5%
Net result €85k, the highest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €13k ▼72.7%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity quadruplescurrent ratio 45.18
Current ratio from 11.42 to 45.18; short-term debt falls from €16k to €4k.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
24-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Gent · 1 establishment unit since 1989
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.
Stormvogelstraat 239000 GentGround area
880 m²
Building footprint
177 m²
Parcel 44809I0171/00R002, Flanders. Linked by address, not a title deed.
1 establishment unit
Stormvogelstraat 23, 9000 Gent
since 19892.044.351.511
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0171/00R002 | Flanders | 880 m² | 1 · 177 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.
Similar companies · same sector, comparable size
KEEP ESSENTIAL EMOTION NON - SENSE
BE 0448.250.163
Theux · Eq €362k
MONKEY BRIDGE
BE 0650.786.955
Charleroi · Eq €362k
MDV MANAGEMENT
BE 0700.393.547
Schaarbeek · Eq €362k
IMMO-WEP
BE 0509.962.850
Anderlecht · Eq €362k
SENDEN CONSULTING
BE 0536.841.847
Lubbeek · Eq €362k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 36,883 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-1989
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
68201Renting and operating of own or leased residential real estate, excluding social housing
70201
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.