RIO CONSULT
ActiveSummary
RIO CONSULT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €406,872 and a net result of €196,341. Equity is growing by ~41.6% per year across the filed fiscal years. Its solvency ranks better than 34% of 32629 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
What they do
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
How big
€1.1mtotal assets 2025
- Equity
- €406,872
- Profit
- €196,341
Turnover not published (abridged schema)
Who decides
- Holdings
- 2
Accounts 121 d early0 of 1 deed read
Why 75- Limited track record- Higher-failure-rate region+ Lower-failure-rate sector+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability90▼-10
Solvency61▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity short (current ratio 0.97 against 1.03 in 2024; short-term debt: 6.9% and cash: 5.2% of total assets), and 64.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
35.6%
Return on assets
17.2%
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 01-04-2026, 121 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
121 d early
2024
69 d early
2023
41 d early
2022
82 d early
2021
94 d early
2020
61 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 78 days before the deadline; the sector median for financial year 2024 is 9 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. Usually files around 10 May (4 of the last 5 filed years within 39 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2020net €196,341 ▲7.5%
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €1.1mProfit €196,341Solvency 35.6%Liquidity 0.97
Total assets
€1.1m▲ 62.1%
2020 - 2025
Net result
€196,341▲ 7.5%
2020 - 2025
Equity
€406,872▲ 93.3%
2020 - 2025
Solvency
35.6%▲ 5.7pp
2020 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
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 70, Activities of head offices; management consultancy activities, 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
Line20212022202320242025
Operating result€0.1m▲ 311%€0.2m▲ 62.8%€0.3m▲ 2.6%€0.2m▼ 38.6%€0.3m▲ 66.5%
Net result€0.1mabove the sector's middle half▲ 331%€0.2mabove the sector's middle half▲ 59.3%€0.2mabove the sector's middle half▲ 4.0%€0.2mabove the sector's middle half▼ 0.7%€0.2mabove the sector's middle half▲ 7.5%
Equity€0.1mwithin the sector's middle half▲ 310%€0.3mabove the sector's middle half▲ 120%€0.2mwithin the sector's middle half▼ 37.4%€0.2mwithin the sector's middle half▲ 3.8%€0.4mabove the sector's middle half▲ 93.3%
Total assets€0.3mwithin the sector's middle half▲ 566%€0.7mabove the sector's middle half▲ 105%€0.9mabove the sector's middle half▲ 21.5%€0.7mabove the sector's middle half▼ 18.8%€1.1mabove the sector's middle half▲ 62.1%
Debt€0.2m▲ 1,120%€0.4m▲ 93.0%€0.7m▲ 70.4%€0.5m▼ 25.7%€0.7m▲ 48.8%
Working capital€0.06mwithin the sector's middle half▲ 99.7%€0.2mabove the sector's middle half▲ 168%€0.002mwithin the sector's middle half▼ 98.7%€0.005mwithin the sector's middle half▲ 165%-€0.003mbelow the sector's middle half
Solvency42.1%within the sector's middle half▼ 26.3pp45.4%within the sector's middle half▲ 3.3pp23.4%below the sector's middle half▼ 22.0pp29.9%within the sector's middle half▲ 6.5pp35.6%within the sector's middle half▲ 5.7pp
Current ratio2.44within the sector's middle half▼ 0.383.28within the sector's middle half▲ 0.841.01below the sector's middle half▼ 2.271.03below the sector's middle half▲ 0.020.97below the sector's middle half▼ 0.06
Return on assets (ROA)31.8%above the sector's middle half▼ 17.4pp24.8%within the sector's middle half▼ 7.0pp21.2%within the sector's middle half▼ 3.6pp25.9%within the sector's middle half▲ 4.7pp17.2%within the sector's middle half▼ 8.7pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, 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 and balance sheet
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 67% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets
€1.1m ▲ 118%
Current assets
€76,540 ▼ 64.7%
Equity and liabilities €1.1m
Equity
€406,872 ▲ 93.3%
Debt
€734,790 ▲ 48.8%
Debt's share of the balance-sheet total falls from 70.1% to 64.4%. Equity and debt are higher.
Key figures and ratios
Key figures and ratios
EBITDA
€294,423▲
2024 · €169,327
Cash flow
€235,029▲
2024 · €198,426
Debt to equity
1.81▼
2024 · 2.35
ROE
48.3%▼
2024 · 86.8%
Interest coverage
20.68▲
2024 · 16.70
Debt ≤ 1 year
€79,059▼
2024 · €211,381
Debt > 1 year
€653,981▲
2024 · €281,586
Income taxes
€57,134▲
2024 · €33,497
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,781 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
2.7%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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 6,781 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,759 | €15,072 | €15,575 | €15,751 | €38,688 | ▲ 146% |
| Other operating charges640/8 | €149 | €1,340 | €7,429 | €2,670 | €3,227 | ▲ 20.9% |
| Gross operating margin9900 | €153,600 | €260,167 | €273,117 | €171,997 | €297,650 | ▲ 73.1% |
| Operating profit (loss)9901 | €149,692 | €243,755 | €250,114 | €153,576 | €255,735 | ▲ 66.5% |
| Financial income75/76B | - | - | €214 | €72,733 | €11,974 | ▼ 83.5% |
| Recurring financial income75 | - | - | €214 | €72,733 | €11,974 | ▼ 83.5% |
| Financial charges65/66B | €5,758 | €8,886 | €8,823 | €10,137 | €14,235 | ▲ 40.4% |
| Recurring financial charges65 | €5,758 | €8,886 | €8,823 | €10,137 | €14,235 | ▲ 40.4% |
| Profit (loss) for the period before taxes9903 | €143,934 | €234,869 | €241,504 | €216,173 | €253,475 | ▲ 17.3% |
| Income taxes67/77 | €32,867 | €57,932 | €57,451 | €33,497 | €57,134 | ▲ 70.6% |
| Profit (loss) for the period9904 | €111,067 | €176,937 | €184,053 | €182,675 | €196,341 | ▲ 7.5% |
| Profit (loss) for the period to be appropriated9905 | €111,067 | €176,937 | €184,053 | €182,675 | €196,341 | ▲ 7.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €0.3m | €0.7m | €0.9m | €0.7m | €1.1m | ▲ 62.1% |
| Fixed assets21/28 | €0.2m | €0.5m | €0.5m | €0.5m | €1.1m | ▲ 118% |
| Tangible fixed assets22/27 | €0.2m | €0.5m | €0.5m | €0.5m | €1.0m | ▲ 122% |
| Land and buildings22 | €0.2m | €0.5m | €0.5m | €0.5m | €1.0m | ▲ 123% |
| Furniture and vehicles24 | - | - | - | - | €0.001m | - |
| Other tangible fixed assets26 | - | - | €0.002m | €0.001m | €0.001m | ▼ 31.6% |
| Financial fixed assets28 | €0.006m | €0.006m | €0.02m | €0.02m | €0.02m | = |
| Current assets29/58 | €0.1m | €0.2m | €0.4m | €0.2m | €0.08m | ▼ 64.7% |
| Amounts receivable within one year40/41 | €0.005m | €0.01m | €0 | €0.01m | €0.01m | = |
| Trade receivables40 | €0.005m | - | - | - | - | - |
| Other amounts receivable41 | - | €0.01m | €0 | €0.01m | €0.01m | = |
| Current investments50/53 | - | - | €0.1m | €0.1m | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €0.1m | €0.2m | €0.2m | €0.08m | €0.06m | ▼ 20.5% |
| Deferred charges and accrued income490/1 | €0.001m | €0.001m | €0.002m | €0.002m | €0.002m | ▲ 9.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €0.3m | €0.7m | €0.9m | €0.7m | €1.1m | ▲ 62.1% |
| Equity10/15 | €0.1m | €0.3m | €0.2m | €0.2m | €0.4m | ▲ 93.3% |
| Contributions10/11 | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Profit (loss) carried forward14 | €0.1m | €0.3m | €0.2m | €0.2m | €0.4m | ▲ 97.9% |
| Amounts payable17/49 | €0.2m | €0.4m | €0.7m | €0.5m | €0.7m | ▲ 48.8% |
| Amounts payable after more than one year17 | €0.2m | €0.3m | €0.3m | €0.3m | €0.7m | ▲ 132% |
| Financial debts170/4 | €0.2m | €0.3m | €0.3m | €0.3m | €0.7m | ▲ 132% |
| Amounts payable within one year42/48 | €0.04m | €0.07m | €0.4m | €0.2m | €0.08m | ▼ 62.6% |
| Current portion of amounts payable after more than one year42 | €0.01m | €0.02m | €0.03m | €0.03m | €0.03m | ▼ 14.1% |
| Trade debts44 | €0.001m | €127 | €0.001m | €0.002m | €0.001m | ▼ 61.5% |
| Suppliers440/4 | €0.001m | €127 | €0.001m | €0.002m | €0.001m | ▼ 61.5% |
| Taxes, remuneration and social security45 | €0.03m | €0.05m | €0.02m | €0.002m | €0.02m | ▲ 1,360% |
| Taxes450/3 | €0.03m | €0.05m | €0.02m | €0.002m | €0.02m | ▲ 1,360% |
| Other amounts payable47/48 | - | - | €0.3m | €0.2m | €0.03m | ▼ 83.6% |
| Accrued charges and deferred income492/3 | €0.001m | €0.001m | €0.001m | €0.001m | €0.002m | ▲ 119% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €111,067 | €176,937 | €184,053 | €182,675 | €196,341 | ▲ 7.5% |
| + Depreciation and write-downs630 | €3,759 | €15,072 | €15,575 | €15,751 | €38,688 | ▲ 146% |
| Operating cash flow (approximation) | €114,826 | €192,009 | €199,628 | €198,426 | €235,029 | ▲ 18.4% |
| Investment in fixed assets (approximation) | - | -€249,316 | -€36,248 | -€1,552 | -€616,324 | ▼ 39,612% |
| Change in cash | - | €123,532 | €19,547 | -€163,922 | -€15,449 | ▲ 90.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
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TAGO TRAVEL
BE 0477.368.771
Grimbergen · Eq €406,897
INGENIEURSBUREAU VERWERFT
BE 0463.840.736
Nijlen · Eq €406,813
MADENOR
BE 0806.496.503
Mol · Eq €406,936
KROM BEHEER
BE 0861.217.963
Ternat · Eq €406,759
Of 82,601 companies in this sector we hold annual accounts for 52,629. 36,297 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
2 holdings
Directors
Directors
No directors read yet: 0 of 1 Gazette act processed. See the function holders in the CBE →
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
20%
-
16.97%
According to the 2025 annual accounts of RIO CONSULT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No directors read yet: 0 of 1 Gazette act processed.
Timeline
9 eventsLatest 01-04-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €196,341 ▲7.5%
Operating result €255,735, net result €196,341, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200,000Eq €323,803 ▲120%
3 profitable years in a row build equity to €323,803.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100,000Eq €146,866 ▲310%
2 profitable years in a row build equity to €146,866.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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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Company details
Private limited company · founded 29-07-2019Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded29-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
Contact
E-mail
biagino.rio@bnpparibasfortis.com
Phone
+32476981317
E-invoicing
Reachable via Peppol
Peppol ID
0208:0731672384
Also
9925:BE0731672384
Registered
03-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Visé · 1 establishment unit since 2019
Ground area
618 m²
Building footprint
97 m²
Parcel 62085A0113/00E002, Wallonia. Linked by address, not a title deed.
1 establishment unit
RIO CONSULT
since 2019unit no. 2.291.942.526
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62085A0113/00E002 | Wallonia | 618 m² | 1 · 97 m² | - |
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.
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