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Rijpunt

Active
Private limited companyfounded 20242 yrs activeMenenstraat 38, 8930 Menen, BelgiumKBO/BCE: BE 1004.528.139
Summary

The annual accounts of Rijpunt for fiscal year 2025 show a net loss of 58% of total assets and of 97% of the equity at the start of that year. The 2025 annual accounts show equity of €383 and a net result of -€11,630. Its solvency ranks better than 19% of 2074 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency27▼-52
Growth32
Track record82
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.33 against 2.83 in 2024; short-term debt: 43% and cash: 27.1% of total assets), but 98.1% of the assets are financed with debt.
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Signals

Five 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
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
1.9%
Return on assets
-58.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2074 sector peers (2025).
NBB · sector comparison
Position among 2074 sector peers
Solvency
better than 19%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filings
Deviation from the deadline
2025
24 d late
2024
7 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 9 days after the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

Rijpunt was incorporated on 10 January 2024 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€383▼ 96.8%
2024 · €12,013
Total assets
€19,954▼ 10.9%
2024 · €22,386
Net result
-€11,630
2024 · €9,013
Working capital
€11,382▼ 21.4%
2024 · €14,483
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€14,212--€11,243
Net result€9,013within the sector's middle half--€11,630below the sector's middle half
Equity€12,013within the sector's middle half-€383below the sector's middle half▼ 96.8%
Total assets€22,386below the sector's middle half-€19,954below the sector's middle half▼ 10.9%
Debt€10,373-€19,571▲ 88.7%
Working capital€14,483within the sector's middle half-€11,382within the sector's middle half▼ 21.4%
Solvency53.7%within the sector's middle half-1.9%below the sector's middle half▼ 51.7pp
Current ratio2.83within the sector's middle half-2.33within the sector's middle half▼ 0.50
Return on assets (ROA)40.3%above the sector's middle half--58.3%below the sector's middle half▼ 98.5pp
above within below the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€20,000-€10,000€0€10,000Operating result 2024: €14,212€14,212Net result 2024: €9,013€9,013Operating result 2025: -€11,243-€11,243Net result 2025: -€11,630-€11,63020242025-€20,000-€10,000€0€10,000Operating result 2024: €14,212€14,200Net result 2024: €9,013€9,010Operating result 2025: -€11,243-€11,200Net result 2025: -€11,630-€11,60020242025
The operating result turns negative in 2025: a loss of €11,243 after €14,212 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €19,954
Equity €383 ▼ 96.8%
Debt €19,571 ▲ 88.7%
Debt's share of the balance-sheet total rises from 46.3% to 98.1%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
Debt ≤ 1 year
€8,572▲
2024 · €7,903
Income taxes
€244▼
2024 · €4,874
Equity ratios withheld: equity of €383 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 757 companies that looked in July 2024 the way this one looks now, 7.9% went bankrupt within 24 months and 87% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a loss of 10% of the balance sheet or more
7.9% went bankrupt
4.8% stopped otherwise
87% still going

A further 0.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 757 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet Code20242025
Assets
Total assets20/58€22,386€19,954▼
Current assets29/58€22,386€19,954▼
Amounts receivable within one year40/41€5,572€7,465▲
Other amounts receivable41€5,572€7,465▲
Cash at bank and in hand54/58€16,815€5,398▼
Deferred charges and accrued income490/1-€7,091
Equity and liabilities
Total equity and liabilities10/49€22,386€19,954▼
Equity10/15€12,013€383▼
Contributions10/11€3,000€3,000=
Reserves13€9,000€9,000=
Distributable reserves133€9,000€9,000=
Profit (loss) carried forward14€13-€11,617▼
Amounts payable17/49€10,373€19,571▲
Amounts payable within one year42/48€7,903€8,572▲
Trade debts44€3,029€121▼
Suppliers440/4€3,029€121▼
Taxes, remuneration and social security45€4,874€8,451▲
Taxes450/3€4,874€8,451▲
Accrued charges and deferred income492/3€2,470€10,999▲
Income statement Code20242025
Other operating charges640/8€1,835€2,945▲
Non-recurring operating charges66A-€201
Gross operating margin9900€16,047-€8,097▼
Operating profit (loss)9901€14,212-€11,243▼
Financial charges65/66B€325€143▼
Recurring financial charges65€325€143▼
Profit (loss) for the period before taxes9903€13,887-€11,387▼
Income taxes67/77€4,874€244▼
Profit (loss) for the period9904€9,013-€11,630▼
Profit (loss) for the period to be appropriated9905€9,013-€11,630▼
Appropriation of the result
Profit (loss) to be appropriated9906€9,013-€11,617▼
Profit (loss) brought forward from the previous period14P-€13
Transfer to equity691/2€9,000-
To other reserves6921€9,000-

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Other operating charges640/8€1,835€2,945▲ 60.5%
Non-recurring operating charges66A-€201-
Gross operating margin9900€16,047-€8,097▼ 150%
Operating profit (loss)9901€14,212-€11,243▼ 179%
Financial charges65/66B€325€143▼ 55.9%
Recurring financial charges65€325€143▼ 55.9%
Profit (loss) for the period before taxes9903€13,887-€11,387▼ 182%
Income taxes67/77€4,874€244▼ 95.0%
Profit (loss) for the period9904€9,013-€11,630▼ 229%
Profit (loss) for the period to be appropriated9905€9,013-€11,630▼ 229%
Line20242025Change
Assets
Total assets20/58€22,386€19,954▼ 10.9%
Current assets29/58€22,386€19,954▼ 10.9%
Amounts receivable within one year40/41€5,572€7,465▲ 34.0%
Other amounts receivable41€5,572€7,465▲ 34.0%
Cash at bank and in hand54/58€16,815€5,398▼ 67.9%
Deferred charges and accrued income490/1-€7,091-
Equity and liabilities
Total equity and liabilities10/49€22,386€19,954▼ 10.9%
Equity10/15€12,013€383▼ 96.8%
Contributions10/11€3,000€3,000=
Reserves13€9,000€9,000=
Distributable reserves133€9,000€9,000=
Profit (loss) carried forward14€13-€11,617▼ 89,533%
Amounts payable17/49€10,373€19,571▲ 88.7%
Amounts payable within one year42/48€7,903€8,572▲ 8.5%
Trade debts44€3,029€121▼ 96.0%
Suppliers440/4€3,029€121▼ 96.0%
Taxes, remuneration and social security45€4,874€8,451▲ 73.4%
Taxes450/3€4,874€8,451▲ 73.4%
Accrued charges and deferred income492/3€2,470€10,999▲ 345%
Line20242025Change
Profit (loss) for the period9904€9,013-€11,630▼ 229%
Operating cash flow (approximation)€9,013-€11,630▼ 229%
Change in cash--€11,417-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
24-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
24-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Menen · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
542 m²
Building footprint
181 m²
Volume, LiDAR
978 m³
Parcel 34024A0161/00R004, Flanders · tallest building 11.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rijpunt
Menenstraat 38, 8930 MenenOther business support services
since 20242.354.863.654
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34024A0161/00R004 Flanders 542 m² 1 · 181 m² 11.0 m · 1 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Subsidies and aid

Flemish government

2024 to 2025 · 2 entries · 155 EUR awarded · 155 EUR paid
Year Entries awardedpaid
2025 1 0 EUR56 EUR
2024 1 155 EUR99 EUR
Schemes
2 entries · 155 EUR · 155 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 1,038 companies in this sector we hold annual accounts for 348. 26 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded10-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
85531Driving schools for cars and motorcycles
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID 0208:1004528139
Also 9925:BE1004528139
Registered 05-02-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.