Active BE 0441.475.110Public limited company

RIGO - DEFACQUE

Sainte Barbe(Cle) 44 ·4480 Engis, Belgium· 36 yrs active

Sector: Mixed farming (01500)

Conclusion Checked

RIGO - DEFACQUE has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.13M and a net result of €106k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 69% of 1686 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€1.13M
Net result	€106k
Staff (FTE)	0.5
Better than sector	69%

Financial profile 5 of 5 axes measured · computed by Checked

84 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 47

Solvency 99

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.1% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1990, 36 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€110k

estimate, not credit advice

Score history

86 2021

100 2022

86 2023

86 2024

94 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 3.47 (≥ 1.5) +10

Quick ratio Quick ratio 2.73 (≥ 1.0) +5

Leverage Debt/equity 0.59 (< 1.0) +10

Profitability ROE 9% +3

Interest coverage Interest coverage 17.3× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview35 NBB filings

Annual accounts filed on 06-07-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~36% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 01, Crop and animal production, hunting and related service activities · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	61.1%	42.0%	better than 69% of 1686 sector peers
Net result	€106k	€61k	better than 61% of 1686 sector peers
Equity	€1.13M	€626k	better than 67% of 1687 sector peers
Gross operating margin	€304k	€336k	better than 47% of 1680 sector peers
Staff costs	€18k	€143k	higher than 17% of 1041 sector peers

EBITDA

€278k

+31.4% 21-25

Net profit

€106k

+151.6% 21-25

Cash flow

€223k

+22.8% 21-25

Total assets

€1.84M

+1.4% 21-25

Equity

€1.13M

+8.8% 21-25

Working capital

€571k

+22.6% 21-25

Employees (FTE)

1

0.0% 21-25

Staff costs

€18k

+25.2% 21-25

Income taxes

€47k

+147.1% 21-25

Dividends

€13k

-31.6% 21-25

Debt

€669k

-8.2% 21-25

Debt ≤ 1y

€231k

+7.6% 21-25

Debt > 1y

€434k

-13.9% 21-25

Current ratio

3.47

+9.5% 21-25

Quick ratio

2.73

+1.6% 21-25

Solvency

61.1%

+7.3% 21-25

Debt / equity

0.59

-15.6% 21-25

ROE

9.4%

+131.3% 21-25

ROA

5.7%

+148.1% 21-25

Interest coverage

17.27

+75.0% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	abbreviated schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€278k	€211k	€219k	€266k	€180k
Net profit	€106k	€42k	€61k	€118k	€48k
Cash flow	€223k	€181k	€185k	€229k	€157k
Staff costs	€18k	€14k	€11k	€5k	€5k
Income taxes	€47k	€19k	€28k	€37k	€21k
Dividends	€13k	€19k	€50k	€20k	-
Total assets	€1.84M	€1.82M	€1.90M	€1.97M	€1.80M
Equity	€1.13M	€1.04M	€1.01M	€1.01M	€915k
Debt	€669k	€729k	€828k	€905k	€817k
of which ≤ 1y	€231k	€215k	€440k	€399k	€326k
of which > 1y	€434k	€505k	€380k	€501k	€487k
Working capital	€571k	€465k	€411k	€408k	€390k
Employees (FTE)	0.5	0.5	0.5	0.3	0.3

Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, micro schema), so the columns are not directly comparable.

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	3.47	3.16	1.94	2.02	2.20
Quick ratio	2.73	2.68	1.63	1.59	1.80
Working capital ratio	30.9%	25.6%	21.6%	20.7%	21.7%
Solvency	61.1%	57.0%	53.4%	50.9%	50.8%
Debt / equity	0.59	0.70	0.82	0.90	0.89
Long-term debt ratio	0.39	0.49	0.37	0.50	0.53
Interest coverage	17.27	9.87	13.64	21.04	14.32
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	5.7%	2.3%	3.2%	6.0%	2.6%
ROE	9.4%	4.1%	6.1%	11.7%	5.2%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €1.04M · 56.5% Current assets €802k · 43.5%

Equity & liabilities

Equity €1.13M · 61.1% Provisions €48k · 2.6% Debt €669k · 36.3%

Full annual accounts (27 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.84M	€1.82M	€1.90M	€1.97M	€1.80M
Fixed assets	21/28	€1.04M	€1.14M	€1.05M	€1.17M	€1.08M
Tangible fixed assets	22/27	€1.02M	€1.12M	€1.03M	€1.15M	€1.07M
Financial fixed assets	28	€18k	€18k	€18k	€18k	€18k
Current assets	29/58	€802k	€680k	€851k	€807k	€716k
Stocks & contracts in progress	3	€171k	€104k	€135k	€173k	€130k
Amounts receivable within one year	40/41	€121k	€150k	€183k	€132k	€86k
Investments	50/53	€9k	€9k	€9k	€9k	€9k
Cash & bank	54/58	€490k	€409k	€515k	€469k	€469k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.84M	€1.82M	€1.90M	€1.97M	€1.80M
Equity	10/15	€1.13M	€1.04M	€1.01M	€1.01M	€915k
Contributions / capital	10/11	€79k	€79k	€79k	€79k	€79k
Reserves	13	€1.02M	€931k	€909k	€898k	€801k
Accumulated profits (losses)	14	€10k	€10k	€9k	€8k	€7k
Provisions & deferred taxes	16	€48k	€53k	€59k	€64k	€69k
Amounts payable	17/49	€669k	€729k	€828k	€905k	€817k
Amounts payable after one year	17	€434k	€505k	€380k	€501k	€487k
Amounts payable within one year	42/48	€231k	€215k	€440k	€399k	€326k
Trade debts payable within one year	44	€39k	€20k	€37k	€26k	€55k
Income statement
Gross operating margin	9900	€304k	€234k	€237k	€280k	€193k
Operating result	9901	€161k	€72k	€95k	€155k	€70k
Financial income	75	€3k	€5k	€5k	€8k	€8k
Financial charges	65	€16k	€21k	€16k	€13k	€13k
Result before taxes	9903	€148k	€56k	€84k	€150k	€63k
Income taxes	67/77	€47k	€19k	€28k	€37k	€21k
Net result for the period	9904	€106k	€42k	€61k	€118k	€48k
Result to be appropriated	9905	€113k	€50k	€69k	€126k	€55k

Directors & mandates 1 directors

Current directors & mandates

RIGO Jean-Yves
Director (executive)
State Gazette act 23426600 (14-11-2023)

Current
14-11-2023 → present

Legal Structure

NACE primary	Mixed farming(01500)
Legal form	Public limited company(014)
Incorporation	30-07-1990
Status	Active
Postal code	4480

Establishment units 1 location

Sainte Barbe(Cle) 44, 4480 Engis

Growing of cereals (except rice), leguminous crops and oil seeds

since 19902.049.741.048

Updates 11 events

All 14Financial 3Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

06-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

30-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €42k ▼31.6%

Net result drops to €42k, the lowest in the series; recovery starts the following year.

23-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 23 days late

2023

14-11

State Gazette act Director changes

Reginald WAUTERS

29-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 29 days late

2022

31-12

Financial Highest result since 2021net €118k ▲148%

Net result €118k, the highest in the series.

31-12

Financial Equity above €1MEq €1.01M ▲9.9%

2 profitable years in a row build equity to €1.01M.

23-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 23 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

31-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 31 days late

2019

28-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 28 days late

2018

30-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 30 days late

2017

25-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 25 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

14-11-2023 RIGO Jean-Yves appointed as director (executive) Director changes·Reginald WAUTERS

RIGO Jean-Yves, Directeur

Notary: Reginald WAUTERS · Hannut

Original publication ↗

Technical details

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    },
    {
      "kind": "decharge_pending",
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      "reason": null,
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    },
    {
      "kind": "decharge_pending",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "DEFACQUE Marie-Paule",
        "address": null,
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      },
      "reason": null,
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    }
  ],
  "notary": {
    "name": "Reginald WAUTERS",
    "firm_city": null,
    "firm_name": null,
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    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-11-14",
    "filing_date": "2023-11-10",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-11-08",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0441.475.110",
    "name_full": "RIGO - DEFACQUE",
    "legal_form": "SA"
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  "publication_proxy": {
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    "org_kbo": null,
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  },
  "co_filed_documents": [
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}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Mixed farming01500Raising of dairy cattle01410Support activities for crop production01610Site preparation43120Landscape service activities81300

Names & trade names

Legal nameFR

RIGO - DEFACQUE

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