RIJO
ActiveRIJO has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €-6k. Equity is shrinking by ~13.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 62% of 11210 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency82▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.25 against 3.18 in 2024; short-term debt: 42.8% and cash: 5.9% of total assets), and 42.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
57.2%
Return on assets
-28.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
5 d late
2023
6 d late
2022
24 d early
2021
4 d early
2020
4 d early
2019
5 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▼ 32.9%
2024 · €18k
2018: €53k
2019: €46k
2020: €49k
2021: €50k
2022: €43k
2023: €29k
2024: €18k
2018 → 2025
Total assets
€21k▼ 18.4%
2024 · €26k
2018: €54k
2019: €49k
2020: €51k
2021: €55k
2022: €49k
2023: €32k
2024: €26k
2018 → 2025
Net result
€-6k▲ 47.9%
2024 · €-11k
2018: €2k
2019: €-7k
2020: €4k
2021: €608
2022: €-7k
2023: €-14k
2024: €-11k
2018 → 2025
Working capital
€11k▼ 34.0%
2024 · €17k
2018: €49k
2019: €41k
2020: €45k
2021: €47k
2022: €41k
2023: €28k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€43k▼ 13.7%€29k▼ 31.8%€18k▼ 38.7%€12k▼ 32.9%
Operating result€763-€-5k€-15k▼ 180%€-11k▲ 22.3%€-6k▲ 48.4%
Net result€608-€-7k€-14k▼ 100%€-11k▲ 17.0%€-6k▲ 47.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €11k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€798▼ 12.3%
Current assets
€20k▼ 18.6%
Equity and liabilities €21k
Equity
€12k▼ 32.9%
Debt
€9k▲ 15.1%
The debt ratio rises from 30.3% to 42.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▲
2024 · €-11k
Cash flow
€-6k▲
2024 · €-11k
Solvency
57.2%▼
2024 · 69.7%
Current ratio
2.25▼
2024 · 3.18
Quick ratio
2.25▼
2024 · 3.18
Debt / equity
0.75▲
2024 · 0.44
ROE
-49.1%▲
2024 · -63.2%
ROA
-28.1%▲
2024 · -44.0%
Interest coverage
-62.55▲
2024 · -90.00
Debt
€9k▲
2024 · €8k
Debt ≤ 1 year
€9k▲
2024 · €8k
Staff costs
€8k▼
2024 · €10k
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€26k€21k▼
Fixed assets21/28€909€798▼
Tangible fixed assets22/27€909€798▼
Plant, machinery and equipment23€909€798▼
Furniture and vehicles24-€0
Other tangible fixed assets26-€0
Current assets29/58€25k€20k▼
Amounts receivable within one year40/41€24k€19k▼
Trade receivables40€24k€19k▼
Other amounts receivable41€218€147▼
Cash at bank and in hand54/58€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€26k€21k▼
Equity10/15€18k€12k▼
Contributions10/11€62k€62k=
Outside capital11€62k-
Other1109/19€62k-
Profit (loss) carried forward14€-44k€-50k▼
Amounts payable17/49€8k€9k▲
Amounts payable within one year42/48€8k€9k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€548€386▼
Taxes450/3-€0
Remuneration and social security454/9€548€386▼
Other amounts payable47/48€5k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€10k€8k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€315€112▼
Other operating charges640/8€62€62=
Gross operating margin9900€-1k€3k▲
Operating profit (loss)9901€-11k€-6k▲
Financial income75/76B€69€1▼
Recurring financial income75€69€1▼
Financial charges65/66B€122€92▼
Recurring financial charges65€122€92▼
Profit (loss) for the period before taxes9903€-11k€-6k▲
Profit (loss) for the period9904€-11k€-6k▲
Profit (loss) for the period to be appropriated9905€-11k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-44k€-50k▼
Profit (loss) brought forward from the previous period14P€-33k€-44k▼
The notes to these accounts (4 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Tessenderlo-Ham · 1 establishment unit since 1992
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.
Sparrenweg 1943980 Tessenderlo-HamGround area
3,676 m²
Building footprint
354 m²
Volume, LiDAR
1,147 m³
2 parcels, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RIJO
since 19922.055.752.573
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71364E1882/00R002 | Flanders | 2,174 m² | 1 · 178 m² | - |
| 71364E1882/00S002 | Flanders | 1,502 m² | 1 · 176 m² | 9.0 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
2022 to 2025 · 4 entries · 13,249 EUR awarded · 13,249 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,413 EUR | 2,413 EUR |
| 2024 | 1 | 3,358 EUR | 3,358 EUR |
| 2023 | 1 | 3,882 EUR | 3,882 EUR |
| 2022 | 1 | 3,596 EUR | 3,596 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Individueel Maatwerk
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Of 1,170 companies in sector 46499 we hold annual accounts for 743. 231 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-01-1991
Fiscal year end31-12
Activities, NACEBEL
46499Wholesale of other household goods
51478
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.