Ripple Consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €54k and a net result of €25k. Its solvency ranks better than 61% of 7980 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 27-07-2026, 4 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
4 d early
2024
2 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 86.3%
2024 · €29k
2024: €29k
2024 → 2025
Net result
€25k▼ 3.7%
2024 · €26k
2024: €26k
2024 → 2025
Total assets
€84k▲ 53.7%
2024 · €55k
2024: €55k
2024 → 2025
Solvency
64.0%▲ 11.2pp
2024 · 52.8%
2024: 52.8%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€29k-€54k▲ 86.3%
Operating result€30k-€38k▲ 27.2%
Net result€26k-€25k▼ 3.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€15k▲ 63.1%
Current assets
€69k▲ 51.8%
Equity and liabilities €84k
Equity
€54k▲ 86.3%
Debt
€30k▲ 17.2%
The debt ratio falls from 47.2% to 36.0%. Equity and debt are higher.
Key figures and ratios
Solvency
64.0%▲
2024 · 52.8%
ROE
46.3%▼
2024 · 89.7%
ROA
29.7%▼
2024 · 47.3%
Debt
€30k▲
2024 · €26k
Debt ≤ 1 year
€29k▲
2024 · €24k
Debt > 1 year
€999▼
2024 · €2k
Income taxes
€8k▲
2024 · €8k
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€55k€84k▲
Fixed assets21/28€9k€15k▲
Tangible fixed assets22/27€9k€15k▲
Land and buildings22-€3k
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€7k€9k▲
Current assets29/58€46k€69k▲
Amounts receivable within one year40/41€31k€34k▲
Trade receivables40€19k€18k▼
Other amounts receivable41€12k€16k▲
Cash at bank and in hand54/58€13k€30k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€55k€84k▲
Equity10/15€29k€54k▲
Contributions10/11€3k€3k=
Reserves13€26k€26k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14-€25k
Amounts payable17/49€26k€30k▲
Amounts payable after more than one year17€2k€999▼
Financial debts170/4€2k€999▼
Amounts payable within one year42/48€24k€29k▲
Current portion of amounts payable after more than one year42€1k€9k▲
Trade debts44€4k€12k▲
Suppliers440/4€4k€12k▲
Taxes, remuneration and social security45€18k€8k▼
Taxes450/3€18k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€1k€357▼
Gross operating margin9900€34k€41k▲
Operating profit (loss)9901€30k€38k▲
Financial income75/76B€7k€5▼
Recurring financial income75€7k€5▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€34k€33k▼
Income taxes67/77€8k€8k▲
Profit (loss) for the period9904€26k€25k▼
Profit (loss) for the period to be appropriated9905€26k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€25k▼
Transfer to equity691/2€26k€0▼
To the legal reserve6920€26k€0▼
The notes to these accounts (11 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Gent · 1 establishment unit since 2023
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.
Rooigemlaan 5329000 GentGround area
1,533 m²
Building footprint
879 m²
Volume, LiDAR
9,867 m³
2 parcels, Flanders · tallest building 15.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Ripple Consulting
since 20232.345.668.648
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44816K0535/00G009 | Flanders | 1,046 m² | 1 · 797 m² | 15.4 m · 5 fl. |
| 45017B0671/00L002 | Flanders | 488 m² | 1 · 81 m² | 8.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
648872I7C6GL4X0Q2O28
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 10,650 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2023
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:xan@marked.be
E-mail:hello@xanmannekens.me