Turnover
≈ €220,000 estimated
The micro format states no turnover.
RIFACTOR
Overview
Lifetime
2 annual accounts with figures on one time axispeak €31,533 (2025)
€31,533▲ 444%
peak €18,312 (2025)
€18,312▲ 441%
peak €26,696 (2025)
€26,696▲ 218%
€12,546▲ 42.5%
Board1 name since 2023
1 directorPALIKSHA Hrazhyna Vladislavovna
Documentsfilings and deeds
09-12-202553 days before the deadline
2025micro format
Gross margin from €5,800 to €31,533Result from €3,385 to €18,312Equity from €8,385 to €26,696Debts from €8,804 to €12,546Cash from €3,595 to €7,680
Key points
from the 2025 annual accountsChecked score
67
Healthy
Financially stronger than 83% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 5.1%highest value
01-2025: 1.6%▼ -3.5 percentage points vs 12-2024
02-2025: 1.6%● unchanged vs 01-2025
03-2025: 1.6%● unchanged vs 02-2025
04-2025: 1.6%● unchanged vs 03-2025
05-2025: 1.6%● unchanged vs 04-2025
06-2025: 1.6%● unchanged vs 05-2025
07-2025: 1.6%● unchanged vs 06-2025
08-2025: 1.5%▼ -0.1 percentage points vs 07-2025
09-2025: 1.5%● unchanged vs 08-2025
10-2025: 1.6%▲ +0.1 percentage points vs 09-2025
11-2025: 1.7%▲ +0.1 percentage points vs 10-2025
12-2025: 1.7%● unchanged vs 11-2025
01-2026: 1.5%▼ -0.2 percentage points vs 12-2025
02-2026: 1.5%● unchanged vs 01-2026
03-2026: 1.5%● unchanged vs 02-2026
04-2026: 1.5%● unchanged vs 03-2026
05-2026: 1.5%● unchanged vs 04-2026
06-2026: 1.5%● unchanged vs 05-2026
07-2026: 1.5%● unchanged vs 06-2026
08-2026: 1.4%▼ -0.1 percentage points vs 07-2026
09-2026: 1.5%▲ +0.1 percentage points vs 08-2026
10-2026: 1.3%▼ -0.2 percentage points vs 09-2026lowest value
11-2026: 1.3%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €39,242
Founded in 2023
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Liquidity: current ratio 3.20, cash €7,680
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 41, micro). It does better than 77% of them on solvency, 69% on liquidity, 91% on profitability and 95% 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 30-06-2025.
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, 39,278 companies had the same profile as RIFACTOR has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RIFACTOR itself: 1.3% 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 39,278 companies, not a prediction for RIFACTOR. 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 3.2 (2.54 in 2024), above the usual 1.5. Short-term debt is 25.9% and cash 19.6% of total assets. 32% 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 riskneutral
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 09-12-2025, 53 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
53 days early
2024
58 days early
← 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 56 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Incorporation
Founding capital of €5,000, 100 shares · Founder: PALIKSHA Hrazhyna Vladislavovna (comparant) · Appointment: PALIKSHA Hrazhyna Vladislavovna (director) · published on 30-01-2023 · Gazette deed
First establishment
Vervloesemstraat 159, Woluwe-Saint-Lambert
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RIFACTOR Drogenbos | €39,242 | €31,533 | 68.0% | - |
| FER COFRA Drogenbos | €44,075 | €33,396 | 63.3% | - |
| WE-GROUP Halle | €38,250 | €32,349 | 58.7% | - |
| DIP.S Zaventem | €41,958 | €35,628 | 28.0% | - |
| Deco Renovation SP Zaventem | €36,288 | €25,544 | 64.4% | - |
| SERGIO CONCEPT Dilbeek | €34,029 | €34,724 | 81.2% | - |
| JH CONSTRUCTIV Grimbergen | €44,072 | €34,709 | 71.4% | - |
These companies have the same main activity as RIFACTOR: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €34,000 and €44,100, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 26-01-2023Normal situation
- Registered office
- 247 active companies are registered at this address39 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Establishment unit
- 2.345.190.5761200 Woluwe-Saint-Lambert, since 26-01-2023
- Financial year end
- 30 June
- Peppol
- Reachable
Annual accounts to 30-06-2025
- €31,533▲ 444%
- €18,312▲ 441%
- €26,696▲ 218%
- €39,242▲ 128%
- Filing
- Filed on 09-12-2025, 53 days before the end of the filing period
Insights on RIFACTOR
RIFACTOR has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,696 and a net result of €18,312.
Its solvency ranks better than 77% of 9,462 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 09-12-2025, 53 days before the deadline€31,533
▲ 444%
€24,845
▲ 365%
€18,312
▲ 441%
€22,392
▲ 312%
68.0%
▲ 19.2 percentage points
3.20
▲ 0.66
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €220,000. Estimated: probably between €120,000 and €400,000.
Balance sheet
balance sheet total €39,242 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
68.0%
Higher than 77% of 9,462 companies in 2025.
3.20
Higher than 76% of 9,210 companies in 2025.
46.7%
Higher than 93% of 9,282 companies in 2025.
RIFACTOR
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: middle half · 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 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
39,242 | 17,188 | |
21/28 |
6,679 | 8,236 | |
22/27 |
6,679 | 8,236 | |
24 |
6,679 | 8,236 | |
29/58 |
32,563 | 8,952 | |
40/41 |
24,266 | 5,061 | |
40 |
- | 712 | |
41 |
24,266 | 4,348 | |
54/58 |
7,680 | 3,595 | |
490/1 |
616 | 297 | |
| Balance sheet: equity and liabilities | |||
10/49 |
39,242 | 17,188 | |
10/15 |
26,696 | 8,385 | |
10/11 |
5,000 | 5,000 | |
14 |
21,696 | 3,385 | |
17/49 |
12,546 | 8,804 | |
17 |
2,375 | 5,283 | |
170/4 |
2,375 | 5,283 | |
42/48 |
10,170 | 3,521 | |
42 |
2,677 | 2,514 | |
45 |
7,493 | 1,007 | |
450/3 |
5,993 | 1,007 | |
454/9 |
1,500 | - | |
| Income statement | |||
9900 |
31,533 | 5,800 | |
630 |
4,557 | 457 | |
640/8 |
2,131 | - | |
9901 |
24,845 | 5,343 | |
75/76B |
0 | 3 | |
75 |
0 | 3 | |
65/66B |
941 | 954 | |
65 |
941 | 954 | |
9903 |
23,904 | 4,392 | |
67/77 |
5,592 | 1,007 | |
9904 |
18,312 | 3,385 | |
9905 |
18,312 | 3,385 | |
| Appropriation of the result | |||
9906 |
21,696 | 3,385 | |
14P |
3,385 | - | |
| Document | |||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 09-12-2025.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 29,402 | 5,800 | ||
| 22,869 | 3,842 | ||
| 3,000 | 8,694 | ||
| 4,086 | - | ||
| 22,392 | 5,431 | ||
| 68.0% | 48.8% | ||
| 3.20 | 2.54 | ||
| 0.47 | 1.05 | ||
| 68.6% | 40.4% | ||
| 46.7% | 19.7% | ||
| 31.23 | 6.08 |
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 | 30-06-2025 | 30-06-2024 |
|---|---|---|
| Tangible fixed assets | €3,000 | €8,694 |
| €4,557 | €457 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on RIFACTOR
The operating result for 2025 is nearly 4.7 times that of 2024.
Debt's share of the balance-sheet total falls from 51.2% to 32.0%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporation- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 30-01-2023
Mandates through the years
1 name, the dashed line is todayPALIKSHA Hrazhyna Vladislavovna
Director
Director
Board
Mandates as a list
- PALIKSHA Hrazhyna Vladislavovna
- Director, appointed by deed of 30-01-2023, still in office
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €267 in 2025
- Source
- deed of 30-01-2023
Articles of association
deed of 30-01-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 30-01-2023 ↗
- PALIKSHA Hrazhyna Vladislavovna 100 shares (100%) · €5,000 in cash
Network & group
No group
RIFACTOR has no parent and no holdings in its annual accounts. PALIKSHA Hrazhyna Vladislavovna is the only director. RIFACTOR shares no director with another company.
At the same address
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total assets €432,321 (2025) 0762.623.601 |
Timeline
Timeline
4 events since 2023Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-01-2027
2025
Annual accounts 2025 filed PDFmicro format · 53 days before the deadline
2024
Annual accounts 2024 filed PDFmicro format · 58 days before the deadline
2023
IncorporationFounding capital of €5,000, 100 shares · Founder: PALIKSHA Hrazhyna Vladislavovna (comparant) · Appointment: PALIKSHA Hrazhyna Vladislavovna (director) · published on 30-01-20235 points ▸
- Founder, PALIKSHA Hrazhyna Vladislavovna (comparant)
- Founding capital, €5,000, 100 shares
- 100 shares
- Board rule, 1
- Director appointment, PALIKSHA Hrazhyna Vladislavovna
- The deed holds 2 more points.
First establishment Vervloesemstraat 159, Woluwe-Saint-Lambert
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 26 January 2023, RIFACTOR was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 PALIKSHA Hrazhyna Vladislavovna is director of the company, appointed by deed of 30-01-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 0797.650.992
- VAT number
- BE 0797.650.992
- Peppol ID
- 0208:0797650992
- Other Peppol ID
- 9925:BE0797650992
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 26-01-2023
- Financial year
- ends on 30 June
- Peppol
- Reachable via PeppolFollow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- RIFACTOR in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 30-01-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 30-01-2023 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
43221
Plumbing work
Codes under NACEBEL 2008
41201
General construction of buildings main activity
43211
Specialised construction activities
43221
Plumbing
43299
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Leveren van elke dienst of prestatie ten voordele van private of commerciële klanten; Nationale en internationale personen- en…”deed of 30-01-2023 (in Dutch)
32 activities
- Leveren van elke dienst of prestatie ten voordele van private of commerciële klanten
- Nationale en internationale personen- en koopwarentransport,express courrier
- Het aanbieden van thuishulp van huishoudelijke aard in het kader van dienstencheques: schoonmaak van de woning met inbegrip van de ramen
- Wassen en strijken
- Occasionele kleine naaiwerken
- Bereiden van maaltijden
- Strijken in een lokaal van de onderneming alsook activiteiten verricht buiten het huis van de gebruiker zoals onder andere boodschappendienst,mindermobielencentra voor bejaarden en strijkateliers
- Alle bouwondernemingsactiviteiten in de breedste zin van het woord,het optrekken van de ruwbouw,de algemene bouwonderneming,bekisting,betonwapening
- De coördinatie van onderaannemers,de afbraak-,vlak- en afgravingwerken,alle metsel-,voeging- en waterdichtheidwerken
- Alle asfalteringwerken
- De montage van daken en het onderhoud ervan
- Het plaatsen van dakbedekking van ongeacht welk materiaal en van dakgoten en regenafvoerbuizen
- Alle geraamtewerken (hout- en stalconstructies,of andere)
- Akoestische en thermische isolatie
- De bekleding van wanden,vloeren,plafonds,gevels
- Al dan niet industriële schilderwerken
- Betegelen- en mozaïekwerken
- Deklaag- en stucwerken
- De montage van buiten- en binnenschrijnwerk van hout en kunststof: deuren,vensters,kozijnen,trappen,muurkasten,inbouwkeukens,winkelinrichtingen,enzovoort
- De installatie van al dan niet verplaatsbare tussenwanden en de installatie van garagepoorten,luiken,zonneblinden,traliewerk,hekken,enzovoort in hout of kunststof
- De natuursteen- en marmerbewerking
- Alle vernieuwingswerken,schoonmaakwerken
- Het schoorsteenvegen
- Het plaatsen van stellingen,ijzerwaren,smeedwerk,alle metaalwerken
- Alle werken van glazenmakervak,het plaatsen van ruiten,spiegels,glas-in-loodramen,het vervaardigen van doorzichtige wanden
- Alle sanitair- en loodgieterijwerken
- De installatie van elektrische bedrading en toebehoren,van de installatie van bewakingssystemen en alarminstallaties tegen diefstal
- Het garneren van meubilair
- De kleinhandel,de invoer en de uitvoer van constructiematerialen
- Alle hydraulische werken,maritieme of rivierwerken,constructie of herstelling van sluizen,stuwdammen,dijken,kanalen en kunstwerken,doorleggings- afwatering- en pompenwerken,irrigatie- en uitbaggeringwerken,créatie en onderhoud van vijvers,rivieren en beekjes
- Het aanleggen van wegen,fietspaden,enzovoort
- Het schoonmaken en het onderhoud van onroerende goederen,het schoonmaken van vensters en van bureaus,kleine bureauwerkjes,interimdiensten,onderaanneming
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| W.A. Mozartlaan 2 registered office 1620 Drogenbos | ||
| Vervloesemstraat 159 1200 Woluwe-Saint-Lambert | 26-01-2023 | 2.345.190.576 |
Buildings and parcels at the addresses
- Ground area
- 1.2 ha
- Buildings
- 997 m²
- Volume, LiDAR
- 12,225 m³
- Tallest building
- 18.7 m
Buildings to scale, each on its own parcel
Parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 22001A0006/00W002 | Flanders | 1.1 ha | 1 · 794 m² | 13.0 m · 4 |
| 21672C0265/00G002 | Brussels | 952 m² | 1 · 202 m² | 18.7 m · 5 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0797.650.992