RIOBEL
ActiveSummary
RIOBEL has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212k and a net result of €22k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 82% of 721 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+65
Solvency100▲+11
Growth62▲+17
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 5.79 against 3.43 in 2024; short-term debt: 15.6% and cash: 87.5% of total assets), and 25.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Sector 52
higher
← 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
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
74.6%
Return on assets
7.9%
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
on the day
2023
29 d late
2022
32 d late
2021
20 d late
2020
31 d late
2019
28 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€599k▼ 0.8%
2018 · €604k
2018: €604k
2018 → 2019
EBIT margin
10.4%▲ 4.7pp
2018 · 5.7%
2018: 5.7%
2018 → 2019
Net result
€22k
2024 · €-12k
2018: €22k
2019: €40k
2020: €9k
2021: €84k
2022: €21k
2023: €29k
2024: €-12k
2018 → 2025
Working capital
€212k▲ 11.4%
2024 · €190k
2018: €120k
2019: €159k
2020: €167k
2021: €254k
2022: €281k
2023: €202k
2024: €190k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€258k-€279k▲ 8.2%€202k▼ 27.5%€190k▼ 6.1%€212k▲ 11.8%
Operating result€131k-€32k▼ 75.3%€43k▲ 32.4%€-12k€28k
Net result€84k-€21k▼ 74.9%€29k▲ 37.3%€-12k€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 returns to profit in 2025: €28k after a loss of €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €284k
Fixed assets
€28k ▲ 2.2%
Current assets
€256k ▼ 4.6%
Equity and liabilities €284k
Equity
€212k ▲ 11.8%
Debt
€72k ▼ 32.0%
Debt's share of the balance-sheet total falls from 35.9% to 25.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▲
2024 · €-11k
Cash flow
€23k▲
2024 · €-12k
Current ratio
5.79▲
2024 · 3.43
Debt to equity
0.34▼
2024 · 0.56
ROE
10.5%▲
2024 · -6.5%
ROA
7.9%▲
2024 · -4.2%
Interest coverage
508.43▲
2024 · -195.17
Debt ≤ 1 year
€44k▼
2024 · €78k
Debt > 1 year
€28k=
2024 · €28k
Income taxes
€6k
Staff costs
€57k▼
2024 · €114k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€296k€284k▼
Fixed assets21/28€27k€28k▲
Tangible fixed assets22/27€27k€28k▲
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€26k€26k=
Current assets29/58€269k€256k▼
Amounts receivable within one year40/41€2k€7k▲
Trade receivables40€2k-
Other amounts receivable41-€7k
Cash at bank and in hand54/58€267k€249k▼
Equity and liabilities
Total equity and liabilities10/49€296k€284k▼
Equity10/15€190k€212k▲
Contributions10/11€19k€19k=
Reserves13€207k€229k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€205k€227k▲
Profit (loss) carried forward14€-36k€-36k=
Amounts payable17/49€106k€72k▼
Amounts payable after more than one year17€28k€28k=
Financial debts170/4€28k€28k=
Amounts payable within one year42/48€78k€44k▼
Trade debts44€41k€25k▼
Suppliers440/4€41k€25k▼
Advances received on contracts in progress46-€590
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3-€8k
Remuneration and social security454/9€5k-
Other amounts payable47/48€32k€11k▼
Income statement
Code20242025
Remuneration, social security and pensions62€114k€57k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€795€472▼
Other operating charges640/8€7k€1k▼
Non-recurring operating charges66A€85€88▲
Gross operating margin9900€110k€87k▼
Operating profit (loss)9901€-12k€28k▲
Financial charges65/66B€59€56▼
Recurring financial charges65€59€56▼
Profit (loss) for the period before taxes9903€-12k€28k▲
Income taxes67/77-€6k
Profit (loss) for the period9904€-12k€22k▲
Profit (loss) for the period to be appropriated9905€-12k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-14k▲
Profit (loss) brought forward from the previous period14P€-24k€-36k▼
Transfer to equity691/2-€22k
To other reserves6921-€22k
Social balance
Average headcount (FTE)90872.01.0▼
The notes to these accounts (8 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
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Equity above €200kEq €212k ▲11.8%
Equity rises from €190k to €212k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-12k ▼143%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
20-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 20 days late
2021
31-12
Financial
Highest result since 2018net €84k ▲825%
Operating result €131k, net result €84k, both a record.
31-12
Financial
Equity above €200kEq €258k ▲48.3%
4 profitable years in a row build equity to €258k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
Show earlier events
2019
31-12
Financial
Equity above €150kEq €165k ▲31.9%
2 profitable years in a row build equity to €165k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 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, Zoutleeuw · 2 establishment units since 1993
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.
Wezersebaan 13440 ZoutleeuwGround area
1.2 ha
Building footprint
858 m²
Volume, LiDAR
4,500 m³
2 parcels, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Ransbergstraat(NRL) 26, 3350 Linter
since 19932.063.303.826
Riobel
since 20152.335.563.723
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24077E0376/00B002 | Flanders | 1.0 ha | 1 · 424 m² | 10.5 m · 2 fl. |
| 24037A0237/00B000 | Flanders | 1,132 m² | 1 · 435 m² | 8.4 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.
Similar companies · same sector, comparable size
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BE 0424.748.548
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DE BIERSCHUUR
BE 0466.735.492
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A.B. EUROPE
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Asse · Eq €210,238
ALL FREIGHT AND TRANSPORT
BE 0441.639.515
Genk · Eq €214,182
DSV Air & Sea Belgium
BE 0715.806.946
Puurs-Sint-Amands · Eq €214,416
Of 3,190 companies in sector 52250 we hold annual accounts for 1,955. 1,464 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-1993
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
52250Logistics services
49420Removal services
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.