RIGO Joseph
ActiveRIGO Joseph has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.01M and a net result of €112k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 113 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+14
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 5.14 against 6.63 in 2024; short-term debt: 18.9% and cash: 32.3% of total assets), and 18.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 02
Relative position
BE, all sectors
reference
Sector 02
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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
81.1%
Return on assets
9.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
1 d early
2023
30 d late
2022
3 d early
2021
3 d early
2020
48 d late
2019
68 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.01M▲ 12.6%
2024 · €895k
2019: €707k
2020: €739k
2021: €809k
2022: €760k
2023: €921k
2024: €895k
2019 → 2025
Total assets
€1.24M▲ 19.6%
2024 · €1.04M
2019: €1.00M
2020: €985k
2021: €1.24M
2022: €938k
2023: €1.13M
2024: €1.04M
2019 → 2025
Net result
€112k
2024 · €-26k
2019: €298k
2020: €62k
2021: €120k
2022: €-49k
2023: €211k
2024: €-26k
2019 → 2025
Working capital
€969k▲ 20.2%
2024 · €806k
2019: €621k
2020: €671k
2021: €707k
2022: €638k
2023: €832k
2024: €806k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€809k-€760k▼ 6.1%€921k▲ 21.2%€895k▼ 2.8%€1.01M▲ 12.6%
Operating result€152k-€-46k€277k€-22k€163k
Net result€120k-€-49k€211k€-26k€112k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €163k after a loss of €22k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.24M
Fixed assets
€38k▼ 56.9%
Current assets
€1.20M▲ 26.7%
Equity and liabilities €1.24M
Equity
€1.01M▲ 12.6%
Debt
€234k▲ 63.6%
The debt ratio rises from 13.8% to 18.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€200k▲
2024 · €33k
Cash flow
€149k▲
2024 · €29k
Solvency
81.1%▼
2024 · 86.2%
Current ratio
5.14▼
2024 · 6.63
Quick ratio
4.63▼
2024 · 6.19
Debt / equity
0.23▲
2024 · 0.16
ROE
11.2%▲
2024 · -2.9%
ROA
9.1%▲
2024 · -2.5%
Interest coverage
86.88▲
2024 · 15.68
Debt
€234k▲
2024 · €143k
Debt ≤ 1 year
€234k▲
2024 · €143k
Income taxes
€48k▲
2024 · €3k
Staff costs
€548k▼
2024 · €580k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.04M€1.24M▲
Fixed assets21/28€89k€38k▼
Tangible fixed assets22/27€89k€38k▼
Plant, machinery and equipment23€7k€1k▼
Furniture and vehicles24€82k€37k▼
Current assets29/58€949k€1.20M▲
Stocks and contracts in progress3€63k€119k▲
Contracts in progress37€63k€119k▲
Amounts receivable within one year40/41€437k€681k▲
Trade receivables40€422k€669k▲
Other amounts receivable41€14k€12k▼
Cash at bank and in hand54/58€442k€401k▼
Deferred charges and accrued income490/1€7k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.04M€1.24M▲
Equity10/15€895k€1.01M▲
Contributions10/11€19k€19k=
Reserves13€876k€988k▲
Distributable reserves133€876k€988k▲
Amounts payable17/49€143k€234k▲
Amounts payable within one year42/48€143k€234k▲
Trade debts44€79k€75k▼
Suppliers440/4€79k€75k▼
Advances received on contracts in progress46-€71k
Taxes, remuneration and social security45€63k€88k▲
Taxes450/3€11k€31k▲
Remuneration and social security454/9€52k€57k▲
Other amounts payable47/48€1,000-
Income statement
Code20242025
Non-recurring operating income76A-€13k
Remuneration, social security and pensions62€580k€548k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€37k▼
Other operating charges640/8€6k€6k▼
Non-recurring operating charges66A-€14k
Gross operating margin9900€619k€767k▲
Operating profit (loss)9901€-22k€163k▲
Financial income75/76B€248€234▼
Recurring financial income75€248€234▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-23k€161k▲
Income taxes67/77€3k€48k▲
Profit (loss) for the period9904€-26k€112k▲
Profit (loss) for the period to be appropriated9905€-26k€112k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€112k▲
Transfer from equity791/2€26k-
Transfer to equity691/2-€112k
To other reserves6921-€112k
Social balance
Average headcount (FTE)90878.57.0▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €112k
Net result €112k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.01M ▲12.6%
Equity rises from €895k to €1.01M.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €211k
Net result €211k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-49k ▼141%
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 48 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 68 days late
2019
16-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Bilzen-Hoeselt · 2 establishment units since 1995
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.
Hoevelaan 73740 Bilzen-HoeseltGround area
4,110 m²
Building footprint
795 m²
Volume, LiDAR
4,238 m³
2 parcels, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
RIGO JOSEPH BVBA
since 19952.073.481.106
Caetsbeekstraat 7, 3740 Bilzen-Hoeselt
since 20202.298.990.565
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73005B0117/00V002 | Flanders | 3,668 m² | 1 · 663 m² | 6.1 m · 2 fl. |
| 73097B0452/00D000 | Flanders | 441 m² | 1 · 133 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 3,654 EUR awarded · 3,654 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 819 EUR | 819 EUR |
| 2024 | 1 | 2,652 EUR | 2,652 EUR |
| 2023 | 1 | 183 EUR | 183 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 295 companies in sector 02400 we hold annual accounts for 77. 53 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-1995
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
02020
02400Forestry and logging
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.