RIJSCHOOL SDL
ActiveThe annual accounts of RIJSCHOOL SDL for fiscal year 2025 show a net loss of 77% of total assets and of 56% of the equity at the start of that year. The 2025 annual accounts show equity of €17k and a net result of €-22k. Equity is growing by ~60.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 676 sector peers (fiscal year 2025). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-63
Solvency85▼-15
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days 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 tight (current ratio 1.27 against 3.09 in 2024; short-term debt: 40.2% and cash: 45.5% of total assets), and 40.2% 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 →
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
59.8%
Return on assets
-76.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
21 d late
2022
31 d late
2021
31 d late
2020
26 d late
2019
230 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, abbreviated schema
Equity
€17k▼ 56.3%
2024 · €38k
2018: €-34k
2019: €-20k
2020: €-16k
2021: €11k
2022: €19k
2023: €35k
2024: €38k
2018 → 2025
Total assets
€28k▼ 39.9%
2024 · €47k
2018: €12k
2019: €21k
2020: €7k
2021: €20k
2022: €37k
2023: €56k
2024: €47k
2018 → 2025
Net result
€-22k
2024 · €4k
2018: €-9k
2019: €14k
2020: €4k
2021: €28k
2022: €8k
2023: €16k
2024: €4k
2018 → 2025
Working capital
€3k▼ 82.8%
2024 · €17k
2018: €-34k
2019: €-22k
2020: €-18k
2021: €11k
2022: €18k
2023: €29k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€19k▲ 66.7%€35k▲ 84.0%€38k▲ 10.8%€17k▼ 56.3%
Operating result€29k-€10k▼ 66.9%€18k▲ 81.0%€6k▼ 66.2%€-20k
Net result€28k-€8k▼ 72.6%€16k▲ 110%€4k▼ 76.3%€-22k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €20k after €6k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€14k▼ 34.2%
Current assets
€14k▼ 44.4%
Equity and liabilities €28k
Equity
€17k▼ 56.3%
Debt
€11k▲ 35.7%
The debt ratio rises from 17.8% to 40.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-13k▼
2024 · €8k
Cash flow
€-14k▼
2024 · €6k
Solvency
59.8%▼
2024 · 82.2%
Current ratio
1.27▼
2024 · 3.09
Quick ratio
1.27▼
2024 · 3.09
Debt / equity
0.67▲
2024 · 0.22
ROE
-128.6%▼
2024 · 9.8%
ROA
-76.9%▼
2024 · 8.0%
Interest coverage
-9.20▼
2024 · 4.13
Debt
€11k▲
2024 · €8k
Debt ≤ 1 year
€11k▲
2024 · €8k
Income taxes
€281▲
2024 · €168
Staff costs
€1k
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€47k€28k▼
Fixed assets21/28€21k€14k▼
Tangible fixed assets22/27€21k€14k▼
Furniture and vehicles24€18k€11k▼
Leasing and similar rights25€3k€2k▼
Financial fixed assets28€124€124=
Current assets29/58€26k€14k▼
Amounts receivable within one year40/41€11k-
Trade receivables40€150-
Other amounts receivable41€11k-
Cash at bank and in hand54/58€13k€13k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€47k€28k▼
Equity10/15€38k€17k▼
Contributions10/11€52k€52k=
Outside capital11€52k€52k=
Other1109/19€52k€52k=
Reserves13€5k€5k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Profit (loss) carried forward14€-19k€-40k▼
Amounts payable17/49€8k€11k▲
Amounts payable within one year42/48€8k€11k▲
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Remuneration and social security454/9-€138
Other amounts payable47/48€50€128▲
Income statement
Code20242025
Remuneration, social security and pensions62-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€10k€-9k▼
Operating profit (loss)9901€6k€-20k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€4k€-21k▼
Income taxes67/77€168€281▲
Profit (loss) for the period9904€4k€-22k▼
Profit (loss) for the period to be appropriated9905€4k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-40k▼
Profit (loss) brought forward from the previous period14P€-23k€-19k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-22k ▼677%
Net result drops to €-22k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €28k ▲643%
Operating result €29k, net result €28k, both a record.
31-12
Financial
Liquidity times 9current ratio 2.22
Current ratio from 0.25 to 2.22; short-term debt falls from €23k to €9k.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
18-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 230 days late
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
01-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 32 days late
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, Maasmechelen · 1 establishment unit since 1989
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.
Pauwengraaf(E) 1093630 MaasmechelenGround area
274 m²
Building footprint
267 m²
Volume, LiDAR
2,927 m³
Parcel 73013D0395/00A000, Flanders · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rijschool SDL
since 19892.041.925.719
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73013D0395/00A000 | Flanders | 274 m² | 1 · 267 m² | 12.8 m · 4 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.
Similar companies · same sector, comparable size
TMCC services
BE 0769.317.688
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PLM MOTORS
BE 0781.380.827
Merchtem · Eq €17k
PHILIPPE DELATTRE
BE 1020.379.226
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CO2W
BE 1007.106.062
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Rijschool M18
BE 0799.210.516
Antwerpen · Eq €16k
Of 1,037 companies in sector 85531 we hold annual accounts for 346. 241 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-1989
Fiscal year end31-12
Activities, NACEBEL
85531Driving schools for cars and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.