RIPTEC
ActiveRIPTEC has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 66% of 7107 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency98▼-2
Growth32=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.26 against 2.9 in 2024), and 41.3% 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.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
58.7%
Return on assets
-18.2%
Age of the figures
17 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year -€4k
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 24-11-2025, 24 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 · 9 filingsDeviation from the deadline
2025
24 d late
2024
29 d late
2023
23 d late
2022
23 d late
2021
23 d late
2020
25 d late
2019
20 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close07-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▼ 23.6%
2024 · €16k
2020: €18k
2021: €39k
2022: €43k
2023: €40k
2024: €16k
2020 → 2025
Total assets
€21k▼ 9.2%
2024 · €23k
2020: €93k
2021: €71k
2022: €58k
2023: €53k
2024: €23k
2020 → 2025
Net result
€-4k▲ 55.3%
2024 · €-8k
2020: €-3k
2021: €17k
2022: €5k
2023: €-4k
2024: €-8k
2020 → 2025
Working capital
€11k▼ 8.1%
2024 · €12k
2020: €60k
2021: €30k
2022: €33k
2023: €32k
2024: €12k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€43k▲ 12.7%€40k▼ 9.0%€16k▼ 59.6%€12k▼ 23.6%
Operating result€31k-€8k▼ 74.8%€-4k€-8k▼ 113%€-4k▲ 56.4%
Net result€17k-€5k▼ 71.6%€-4k€-8k▼ 115%€-4k▲ 55.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€1k▼ 72.0%
Current assets
€19k▲ 7.9%
Equity and liabilities €21k
Equity
€12k▼ 23.6%
Debt
€9k▲ 24.3%
The debt ratio rises from 30.1% to 41.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-624▲
2024 · €-4k
Cash flow
€-757▲
2024 · €-4k
Solvency
58.7%▼
2024 · 69.9%
Current ratio
2.26▼
2024 · 2.90
Quick ratio
0.69▼
2024 · 1.70
Debt / equity
0.70▲
2024 · 0.43
ROE
-30.9%▲
2024 · -52.8%
ROA
-18.2%▲
2024 · -36.9%
Interest coverage
-4.25▲
2024 · -28.47
Debt
€9k▲
2024 · €7k
Debt ≤ 1 year
€9k▲
2024 · €6k
Staff costs
€36k▲
2024 · €18k
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
Total assets20/58€23k€21k▼
Fixed assets21/28€5k€1k▼
Tangible fixed assets22/27€4k€1k▼
Financial fixed assets28€500-
Current assets29/58€18k€19k▲
Stocks & contracts in progress3€7k€13k▲
Amounts receivable within one year40/41€6k€4k▼
Cash & bank54/58€3k€1k▼
Total equity & liabilities10/49€23k€21k▼
Equity10/15€16k€12k▼
Contributions / capital10/11€6k€6k=
Reserves13€22k€22k=
Accumulated profits (losses)14€-12k€-16k▼
Amounts payable17/49€7k€9k▲
Amounts payable within one year42/48€6k€9k▲
Trade debts payable within one year44€2k€1k▼
Income statement
Code20242025
Gross operating margin9900€16k€36k▲
Operating result9901€-8k€-4k▲
Financial income75€42€13▼
Financial charges65€127€147▲
Result before taxes9903€-8k€-4k▲
Net result for the period9904€-8k€-4k▲
Result to be appropriated9905€-8k€-4k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
24-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
31-03
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
2023
21-12
State Gazette act
Director changes
Joris Stalpaert
23-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2022
23-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2021
23-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
31-03
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2019
11-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2017
25-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
WUYTS Greta Coleta Jenny
CurrentDirector · since 21-12-2023
21-12-2023
WUYTS Greta Coleta Jenny: Appointed as Director
21-12-2023
VAN dER AUWERA Willy Alfons: Resigned as Director
Location & real-estate footprint
Registered office, Tremelo · 1 establishment unit since 2016
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.
Meiboomlaan 183120 TremeloGround area
3,500 m²
Building footprint
204 m²
Volume, LiDAR
903 m³
Parcel 24109A0287/00N000, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Belsauna/Finbath/Ripco/Jimbo/Garapo
since 20162.252.888.841
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24109A0287/00N000 | Flanders | 3,500 m² | 1 · 204 m² | 6.7 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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
BATITECH SOLUTIONS
BE 1013.482.328
Zaventem · Eq €12k
EniTech
BE 1016.252.271
Wemmel · Eq €12k
DCOMPLEX LTD
BE 0818.175.204
London · Eq €12k
ConstructVision
BE 1009.472.367
Zaventem · Eq €12k
GVC HOME
BE 0743.533.902
Duffel · Eq €12k
Of 29,533 companies in sector 41001 we hold annual accounts for 15,763. 9,782 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2016
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
43320Joinery installation
43120Site preparation
43211General electrical installation work
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.