Riomax
ActiveRiomax has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €221k and a net result of €19k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 41% of 971 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-23
Solvency63▼-19
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.23 against 2.1 in 2024; short-term debt: 15.7% and cash: 18.9% of total assets), but 62.3% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← fewer bankruptcies
more bankruptcies →
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
37.7%
Return on assets
3.3%
Age of the figures
9 mo
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
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
8 d early
2023
8 d early
2022
32 d early
2021
16 d early
2020
20 d late
2019
3 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€221k▲ 9.5%
2024 · €202k
2018: €53k
2019: €82k
2020: €106k
2021: €131k
2022: €148k
2023: €156k
2024: €202k
2018 → 2025
Total assets
€587k▲ 66.4%
2024 · €353k
2018: €145k
2019: €169k
2020: €181k
2021: €252k
2022: €310k
2023: €322k
2024: €353k
2018 → 2025
Net result
€19k▼ 75.2%
2024 · €77k
2018: €22k
2019: €38k
2020: €24k
2021: €25k
2022: €32k
2023: €31k
2024: €77k
2018 → 2025
Working capital
€113k▼ 18.6%
2024 · €139k
2018: €35k
2019: €66k
2020: €87k
2021: €95k
2022: €103k
2023: €93k
2024: €139k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€131k-€148k▲ 13.0%€156k▲ 5.6%€202k▲ 29.6%€221k▲ 9.5%
Operating result€29k-€42k▲ 46.2%€42k▲ 1.4%€108k▲ 154%€36k▼ 66.7%
Net result€25k-€32k▲ 29.9%€31k▼ 4.8%€77k▲ 153%€19k▼ 75.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 67% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €587k
Fixed assets
€382k▲ 331%
Current assets
€205k▼ 22.6%
Equity and liabilities €587k
Equity
€221k▲ 9.5%
Debt
€366k▲ 143%
The debt ratio rises from 42.7% to 62.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€88k▼
2024 · €147k
Cash flow
€71k▼
2024 · €117k
Solvency
37.7%▼
2024 · 57.3%
Current ratio
2.23▲
2024 · 2.10
Quick ratio
2.01▲
2024 · 1.89
Debt / equity
1.65▲
2024 · 0.74
ROE
8.7%▼
2024 · 38.3%
ROA
3.3%▼
2024 · 22.0%
Interest coverage
8.21▼
2024 · 116.90
Debt
€366k▲
2024 · €151k
Debt ≤ 1 year
€92k▼
2024 · €126k
Debt > 1 year
€274k▲
2024 · €25k
Income taxes
€9k▼
2024 · €31k
Staff costs
€216k▲
2024 · €207k
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€353k€587k▲
Fixed assets21/28€89k€382k▲
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€87k€381k▲
Land and buildings22€6k€331k▲
Plant, machinery and equipment23€37k€29k▼
Furniture and vehicles24€44k€21k▼
Current assets29/58€264k€205k▼
Stocks and contracts in progress3€27k€20k▼
Stocks30/36€27k€20k▼
Amounts receivable within one year40/41€46k€57k▲
Trade receivables40€46k€49k▲
Other amounts receivable41€0€8k▲
Cash at bank and in hand54/58€175k€111k▼
Deferred charges and accrued income490/1€16k€17k▲
Equity and liabilities
Total equity and liabilities10/49€353k€587k▲
Equity10/15€202k€221k▲
Contributions10/11€14k€14k=
Reserves13€189k€208k▲
Distributable reserves133€189k€208k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€151k€366k▲
Amounts payable after more than one year17€25k€274k▲
Financial debts170/4€25k€274k▲
Amounts payable within one year42/48€126k€92k▼
Current portion of amounts payable after more than one year42€29k€28k▼
Trade debts44€13k€6k▼
Suppliers440/4€13k€6k▼
Taxes, remuneration and social security45€44k€20k▼
Taxes450/3€30k€12k▼
Remuneration and social security454/9€14k€8k▼
Other amounts payable47/48€40k€38k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€207k€216k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€52k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€2k€6k▲
Gross operating margin9900€356k€309k▼
Operating profit (loss)9901€108k€36k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€1k€11k▲
Recurring financial charges65€1k€11k▲
Profit (loss) for the period before taxes9903€109k€28k▼
Income taxes67/77€31k€9k▼
Profit (loss) for the period9904€77k€19k▼
Profit (loss) for the period to be appropriated9905€77k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€19k▼
Transfer from equity791/2€29k€0▼
Transfer to equity691/2€75k€19k▼
To other reserves6921€75k€19k▼
Profit to be distributed694/7€31k€0▼
Return on contributions (dividend)694€29k€0▼
Directors or managers695€2k€0▼
The notes to these accounts (13 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €19k ▼75.2%
Net result drops to €19k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €77k ▲153%
Operating result €108k, net result €77k, both a record.
31-12
Financial
Equity above €200kEq €202k ▲29.6%
7 profitable years in a row build equity to €202k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €156k ▲5.6%
6 profitable years in a row build equity to €156k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Equity above €100kEq €106k ▲28.7%
3 profitable years in a row build equity to €106k.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Essen · 1 establishment unit since 2012
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.
Vaartstraat 232910 EssenGround area
799 m²
Building footprint
227 m²
Volume, LiDAR
1,033 m³
Parcel 11016A0639/00H000, Flanders · tallest building 9.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Riomax
since 20122.213.539.703
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11016A0639/00H000 | Flanders | 799 m² | 1 · 227 m² | 9.2 m · 1 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
2023 to 2025 · 3 entries · 3,298 EUR awarded · 3,298 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 249 EUR | 249 EUR |
| 2024 | 1 | 202 EUR | 202 EUR |
| 2023 | 1 | 2,847 EUR | 2,847 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,327 companies in sector 42110 we hold annual accounts for 1,097. 791 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2012
Fiscal year end31-12
Activities, NACEBEL
42110Construction of roads and motorways
42212Civil engineering
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.