RIPL
ActiveRIPL has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €272k and a net result of €67k. Equity is growing by ~38% per year across the filed fiscal years. Its solvency ranks better than 69% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 16.5 against 14.13 in 2024), and 25.9% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
74.1%
Return on assets
18.2%
Age of the figures
8 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 24-07-2026, 7 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
7 d early
2024
22 d late
2023
29 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€272k▲ 32.4%
2024 · €206k
2023: €116k
2024: €206k
2023 → 2025
Total assets
€367k▲ 23.2%
2024 · €298k
2023: €216k
2024: €298k
2023 → 2025
Net result
€67k▼ 25.6%
2024 · €90k
2023: €97k
2024: €90k
2023 → 2025
Working capital
€311k▲ 35.6%
2024 · €229k
2023: €128k
2024: €229k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€116k-€206k▲ 77.2%€272k▲ 32.4%
Operating result€127k-€116k▼ 8.1%€83k▼ 28.2%
Net result€97k-€90k▼ 8.0%€67k▼ 25.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 28% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €367k
Fixed assets
€36k▼ 29.5%
Current assets
€331k▲ 34.2%
Equity and liabilities €367k
Equity
€272k▲ 32.4%
Debt
€95k▲ 2.8%
The debt ratio falls from 31.0% to 25.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€99k▼
2024 · €132k
Cash flow
€83k▼
2024 · €105k
Solvency
74.1%▲
2024 · 69.0%
Current ratio
16.50▲
2024 · 14.13
Quick ratio
16.50▲
2024 · 14.13
Debt / equity
0.35▼
2024 · 0.45
ROE
24.5%▼
2024 · 43.6%
ROA
18.2%▼
2024 · 30.1%
Interest coverage
147.19▼
2024 · 179.70
Debt
€95k▲
2024 · €92k
Debt ≤ 1 year
€20k▲
2024 · €17k
Debt > 1 year
€75k=
2024 · €75k
Income taxes
€19k▼
2024 · €26k
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€298k€367k▲
Fixed assets21/28€51k€36k▼
Tangible fixed assets22/27€51k€36k▼
Plant, machinery and equipment23€12k€11k▼
Furniture and vehicles24€39k€26k▼
Current assets29/58€247k€331k▲
Amounts receivable within one year40/41€49k€38k▼
Trade receivables40€23k€22k▼
Other amounts receivable41€26k€16k▼
Current investments50/53€80k€162k▲
Cash at bank and in hand54/58€113k€126k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€298k€367k▲
Equity10/15€206k€272k▲
Contributions10/11€19k€19k=
Reserves13€187k€254k▲
Distributable reserves133€187k€254k▲
Amounts payable17/49€92k€95k▲
Amounts payable after more than one year17€75k€75k=
Financial debts170/4-€75k
Other amounts payable178/9€75k€0▼
Amounts payable within one year42/48€17k€20k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€3k€971▼
Suppliers440/4€3k€971▼
Taxes, remuneration and social security45€8k€13k▲
Taxes450/3€8k€13k▲
Other amounts payable47/48€6k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▲
Other operating charges640/8€613€1k▲
Gross operating margin9900€133k€101k▼
Operating profit (loss)9901€116k€83k▼
Financial income75/76B€169€3k▲
Recurring financial income75€169€3k▲
Financial charges65/66B€734€675▼
Recurring financial charges65€734€675▼
Profit (loss) for the period before taxes9903€116k€86k▼
Income taxes67/77€26k€19k▼
Profit (loss) for the period9904€90k€67k▼
Profit (loss) for the period to be appropriated9905€90k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€67k▼
Transfer to equity691/2€90k€67k▼
To other reserves6921€90k€67k▼
The notes to these accounts (6 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €67k ▼25.6%
Net result drops to €67k, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 14.13
Current ratio from 6.10 to 14.13; short-term debt falls from €25k to €17k.
31-12
Financial
Equity above €200kEq €206k ▲77.2%
2 profitable years in a row build equity to €206k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Kortrijk · 1 establishment unit since 2022
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.
Waterhoennest(Bis) 558501 KortrijkGround area
1,024 m²
Building footprint
186 m²
Parcel 34007A0154/00X000, Flanders. Linked by address, not a title deed.
1 establishment unit
RIPL
since 20222.338.106.806
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34007A0154/00X000 | Flanders | 1,024 m² | 1 · 186 m² | - |
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
CONSEIL
BE 0460.293.704
Maaseik · Eq €272k
ARJ FINANCE
BE 0463.479.361
Ukkel · Eq €272k
HR Path BE
BE 0871.438.595
Antwerpen · Eq €272k
I.M.A & PARTNERS
BE 0457.363.908
Tienen · Eq €272k
TERRE & JOIE
BE 1015.639.785
Liège · Eq €272k
Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 38,471 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.