Rijopleiding Katty
ActiveRijopleiding Katty has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 2035 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+59
Solvency55▼-10
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.58 in 2024; short-term debt: 53.4% and cash: 43.5% of total assets), and 70% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
30%
Return on assets
17.5%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
25 d early
2024
22 d early
2023
12 d late
2022
18 d early
2021
2 d early
2020
23 d early
2019
24 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▼ 36.8%
2024 · €34k
2019: €12k
2020: €29k
2021: €55k
2022: €68k
2023: €64k
2024: €34k
2019 → 2025
Total assets
€73k▼ 16.1%
2024 · €86k
2019: €51k
2020: €56k
2021: €80k
2022: €132k
2023: €121k
2024: €86k
2019 → 2025
Net result
€13k
2024 · €-10k
2019: €6k
2020: €16k
2021: €14k
2022: €13k
2023: €-4k
2024: €-10k
2019 → 2025
Working capital
€4k▼ 75.1%
2024 · €17k
2019: €-5k
2020: €10k
2021: €35k
2022: €40k
2023: €46k
2024: €17k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€68k▲ 24.2%€64k▼ 6.4%€34k▼ 46.2%€22k▼ 36.8%
Operating result€19k-€14k▼ 24.7%€-3k€-8k▼ 138%€14k
Net result€14k-€13k▼ 5.5%€-4k€-10k▼ 119%€13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€29k▼ 25.3%
Current assets
€43k▼ 8.4%
Equity and liabilities €73k
Equity
€22k▼ 36.8%
Debt
€51k▼ 2.4%
The debt ratio rises from 60.2% to 70.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€28k▲
2024 · €5k
Cash flow
€26k▲
2024 · €4k
Solvency
30.0%▼
2024 · 39.8%
Current ratio
1.11▼
2024 · 1.58
Quick ratio
1.11▼
2024 · 1.58
Debt / equity
2.33▲
2024 · 1.51
ROE
58.4%▲
2024 · -27.7%
ROA
17.5%▲
2024 · -11.0%
Interest coverage
22.07▲
2024 · 3.23
Debt
€51k▼
2024 · €52k
Debt ≤ 1 year
€39k▲
2024 · €30k
Debt > 1 year
€11k▼
2024 · €22k
Income taxes
€368
Staff costs
€4k
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€86k€73k▼
Fixed assets21/28€40k€29k▼
Tangible fixed assets22/27€40k€29k▼
Furniture and vehicles24€37k€24k▼
Leasing and similar rights25€0-
Other tangible fixed assets26€2k€5k▲
Current assets29/58€47k€43k▼
Amounts receivable within one year40/41€68€3k▲
Trade receivables40€50€2k▲
Other amounts receivable41€18€50▲
Cash at bank and in hand54/58€41k€32k▼
Deferred charges and accrued income490/1€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€86k€73k▼
Equity10/15€34k€22k▼
Contributions10/11€19k€19k=
Reserves13€25k€3k▼
Distributable reserves133€25k€3k▼
Profit (loss) carried forward14€-10k€0▲
Amounts payable17/49€52k€51k▼
Amounts payable after more than one year17€22k€11k▼
Financial debts170/4€22k€11k▼
Amounts payable within one year42/48€30k€39k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€6k€8k▲
Suppliers440/4€6k€8k▲
Taxes, remuneration and social security45€2k€12k▲
Taxes450/3€2k€9k▲
Remuneration and social security454/9€0€3k▲
Other amounts payable47/48€10k€8k▼
Accrued charges and deferred income492/3€469€1k▲
Income statement
Code20242025
Non-recurring operating income76A€592€0▼
Remuneration, social security and pensions62-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€7k€33k▲
Operating profit (loss)9901€-8k€14k▲
Financial income75/76B€6€42▲
Recurring financial income75€6€42▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-10k€13k▲
Income taxes67/77-€368
Profit (loss) for the period9904€-10k€13k▲
Profit (loss) for the period to be appropriated9905€-10k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€3k▲
Profit (loss) brought forward from the previous period14P-€-10k
Transfer from equity791/2€20k€25k▲
Transfer to equity691/2-€3k
To other reserves6921-€3k
Profit to be distributed694/7€20k€25k▲
Return on contributions (dividend)694€20k€25k▲
The notes to these accounts (11 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €16k ▲163%
Net result €16k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1.60
Current ratio from 0.74 to 1.60; short-term debt falls from €18k to €17k.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Opwijk · 1 establishment unit since 2018
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.
Droeshoutstraat 1101745 OpwijkGround area
1,593 m²
Building footprint
257 m²
Volume, LiDAR
2,062 m³
Parcel 23752F0515/00F000, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rijopleiding Katty
since 20182.285.606.842
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23752F0515/00F000 | Flanders | 1,593 m² | 1 · 257 m² | 12.2 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 187 EUR awarded · 187 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 107 EUR | 107 EUR |
| 2022 | 1 | 80 EUR | 80 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,037 companies in sector 85531 we hold annual accounts for 346. 255 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2018
Fiscal year end31-12
Activities, NACEBEL
85531Driving schools for cars and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.
Contact details
1 entryPhone:000000000