Rish-Diam
ActiveSummary
Rish-Diam has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.37M and a net result of €11k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 81% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability19▼-56
Solvency100=
Growth68=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 4.31; short-term debt: 23.2% and cash: 58.9% of total assets), and 23.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
76.8%
Return on assets
0.4%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-03-2026, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 d early
2024
62 d early
2023
60 d early
2022
47 d early
2021
40 d early
2020
22 d early
2019
35 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€6.48M▲ 47.7%
2018 · €4.39M
2018: €4.39M
2019: €6.48M▲ +47.7% vs 2018
2018 → 2019
EBIT margin
6.7%▼ 0.2pp
2018 · 6.9%
2018: 6.9%
2019: 6.7%▼ -2.4% vs 2018
2018 → 2019
Net result
€11k▼ 92.1%
2024 · €144k
2018: €256k
2019: €374k▲ +45.8% vs 2018
2020: €318k▼ -15.0% vs 2019
2021: €703k▲ +121% vs 2020highest in 8 years
2022: €474k▼ -32.5% vs 2021
2023: €317k▼ -33.2% vs 2022
2024: €144k▼ -54.4% vs 2023
2025: €11k▼ -92.1% vs 2024lowest in 8 years
2018 → 2025
Working capital
€2.37M▼ 20.7%
2024 · €2.99M
2018: €711klowest in 8 years
2019: €1.09M▲ +52.7% vs 2018
2020: €1.40M▲ +29.3% vs 2019
2021: €2.08M▲ +48.0% vs 2020
2022: €2.53M▲ +21.7% vs 2021
2023: €2.85M▲ +12.5% vs 2022
2024: €2.99M▲ +5.0% vs 2023highest in 8 years
2025: €2.37M▼ -20.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.08M-€2.53M▲ 21.7%€2.85M▲ 12.5%€2.99M▲ 5.1%€2.37M▼ 20.7%
2021: €2.08Mlowest in 5 years
2022: €2.53M▲ +21.7% vs 2021
2023: €2.85M▲ +12.5% vs 2022
2024: €2.99M▲ +5.1% vs 2023highest in 5 years
2025: €2.37M▼ -20.7% vs 2024
Operating result€790k-€533k▼ 32.5%€350k▼ 34.4%€132k▼ 62.3%€-26k
2021: €790khighest in 5 years
2022: €533k▼ -32.5% vs 2021
2023: €350k▼ -34.4% vs 2022
2024: €132k▼ -62.3% vs 2023
2025: €-26k▼ -120% vs 2024lowest in 5 years
Net result€703k-€474k▼ 32.5%€317k▼ 33.2%€144k▼ 54.4%€11k▼ 92.1%
2021: €703khighest in 5 years
2022: €474k▼ -32.5% vs 2021
2023: €317k▼ -33.2% vs 2022
2024: €144k▼ -54.4% vs 2023
2025: €11k▼ -92.1% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €26k after €132k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.09M
Fixed assets
€2k ▼ 5.7%
Current assets
€3.09M ▲ 2.5%
Equity and liabilities €3.09M
Equity
€2.37M ▼ 20.7%
Debt
€716k ▲ 3,173%
Debt's share of the balance-sheet total rises from 0.7% to 23.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-25k▼
2024 · €132k
Cash flow
€13k▼
2024 · €145k
Current ratio
4.31
Quick ratio
2.73▼
2024 · 89.25
Debt to equity
0.30▲
2024 · 0.01
ROE
0.5%▼
2024 · 4.8%
ROA
0.4%▼
2024 · 4.8%
Interest coverage
-15.35▼
2024 · 13.98
Debt ≤ 1 year
€716k▲
2024 · €22k
Income taxes
€6k▼
2024 · €19k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.01M€3.09M▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€3.01M€3.09M▲
Stocks and contracts in progress3€1.06M€1.13M▲
Stocks30/36€1.06M€1.13M▲
Amounts receivable within one year40/41€362k€137k▼
Trade receivables40€310€135k▲
Other amounts receivable41€362k€3k▼
Current investments50/53€1.34M-
Cash at bank and in hand54/58€241k€1.82M▲
Deferred charges and accrued income490/1€9k-
Equity and liabilities
Total equity and liabilities10/49€3.01M€3.09M▲
Equity10/15€2.99M€2.37M▼
Contributions10/11€146k€146k=
Reserves13€2.84M€2.23M▼
Distributable reserves133€2.84M€2.23M▼
Amounts payable17/49€22k€716k▲
Amounts payable within one year42/48€22k€716k▲
Trade debts44€236€74▼
Suppliers440/4€236€74▼
Taxes, remuneration and social security45€18k€6k▼
Taxes450/3€18k€6k▼
Other amounts payable47/48€4k€710k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€583€1k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-28k
Other operating charges640/8€4k€31k▲
Gross operating margin9900€136k€-22k▼
Operating profit (loss)9901€132k€-26k▼
Financial income75/76B€41k€45k▲
Recurring financial income75€41k€45k▲
Financial charges65/66B€9k€2k▼
Recurring financial charges65€9k€2k▼
Profit (loss) for the period before taxes9903€164k€17k▼
Income taxes67/77€19k€6k▼
Profit (loss) for the period9904€144k€11k▼
Profit (loss) for the period to be appropriated9905€144k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€181k€11k▼
Profit (loss) brought forward from the previous period14P€36k-
Transfer from equity791/2-€630k
Transfer to equity691/2€181k€11k▼
To other reserves6921€181k€11k▼
Profit to be distributed694/7-€630k
Return on contributions (dividend)694-€630k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €220 | - | - | €583 | €1k | ▲ 143% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €28k | - | €-28k | - |
| Other operating charges640/8 | - | €3k | €4k | €4k | €31k | ▲ 770% |
| Gross operating margin9900 | €797k | €537k | €382k | €136k | €-22k | ▼ 116% |
| Operating profit (loss)9901 | €790k | €533k | €350k | €132k | €-26k | ▼ 120% |
| Financial income75/76B | - | €9 | €10k | €41k | €45k | ▲ 9.6% |
| Recurring financial income75 | €1 | €9 | €10k | €41k | €45k | ▲ 9.6% |
| Financial charges65/66B | - | €5k | €6k | €9k | €2k | ▼ 82.8% |
| Recurring financial charges65 | €8k | €5k | €6k | €9k | €2k | ▼ 82.8% |
| Profit (loss) for the period before taxes9903 | €782k | €529k | €354k | €164k | €17k | ▼ 89.4% |
| Income taxes67/77 | €79k | €54k | €37k | €19k | €6k | ▼ 69.9% |
| Profit (loss) for the period9904 | €703k | €474k | €317k | €144k | €11k | ▼ 92.1% |
| Profit (loss) for the period to be appropriated9905 | €703k | €474k | €317k | €144k | €11k | ▼ 92.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.23M | €2.88M | €2.91M | €3.01M | €3.09M | ▲ 2.5% |
| Fixed assets21/28 | €794 | - | - | €2k | €2k | ▼ 5.7% |
| Tangible fixed assets22/27 | - | - | - | €2k | €2k | ▼ 5.7% |
| Furniture and vehicles24 | - | - | - | €2k | €2k | ▼ 5.7% |
| Financial fixed assets28 | €794 | - | - | - | - | - |
| Current assets29/58 | €2.23M | €2.88M | €2.91M | €3.01M | €3.09M | ▲ 2.5% |
| Stocks and contracts in progress3 | €1.18M | €1.39M | €1.19M | €1.06M | €1.13M | ▲ 6.9% |
| Stocks30/36 | - | €1.39M | €1.19M | €1.06M | €1.13M | ▲ 6.9% |
| Amounts receivable within one year40/41 | €561k | €322k | €385k | €362k | €137k | ▼ 62.1% |
| Trade receivables40 | - | €320k | - | €310 | €135k | ▲ 43,353% |
| Other amounts receivable41 | - | €1k | €385k | €362k | €3k | ▼ 99.3% |
| Current investments50/53 | - | - | €1.04M | €1.34M | - | - |
| Cash at bank and in hand54/58 | €483k | €1.17M | €283k | €241k | €1.82M | ▲ 654% |
| Deferred charges and accrued income490/1 | - | - | €6k | €9k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.23M | €2.88M | €2.91M | €3.01M | €3.09M | ▲ 2.5% |
| Equity10/15 | €2.08M | €2.53M | €2.85M | €2.99M | €2.37M | ▼ 20.7% |
| Contributions10/11 | - | €146k | €146k | €146k | €146k | = |
| Reserves13 | €1.90M | €2.35M | €2.66M | €2.84M | €2.23M | ▼ 21.7% |
| Distributable reserves133 | - | €2.35M | €2.66M | €2.84M | €2.23M | ▼ 21.7% |
| Profit (loss) carried forward14 | €35k | €36k | €36k | - | - | - |
| Amounts payable17/49 | €150k | €353k | €60k | €22k | €716k | ▲ 3,173% |
| Amounts payable within one year42/48 | €150k | €353k | €60k | €22k | €716k | ▲ 3,173% |
| Trade debts44 | €65k | €277k | - | €236 | €74 | ▼ 68.6% |
| Suppliers440/4 | - | €277k | - | €236 | €74 | ▼ 68.6% |
| Taxes, remuneration and social security45 | - | €51k | €36k | €18k | €6k | ▼ 65.0% |
| Taxes450/3 | - | €51k | €36k | €18k | €6k | ▼ 65.0% |
| Other amounts payable47/48 | - | €25k | €23k | €4k | €710k | ▲ 18,771% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €703k | €474k | €317k | €144k | €11k | ▼ 92.1% |
| + Depreciation and write-downs630 | €220 | - | - | €583 | €1k | ▲ 143% |
| Operating cash flow (approximation) | €703k | €474k | €317k | €145k | €13k | ▼ 91.1% |
| Investment in fixed assets (approximation) | - | - | - | - | €-1k | - |
| Change in cash | - | €685k | €-885k | €-42k | €1.58M | ▲ 3,875% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €11k ▼92.1%
Net result drops to €11k, the lowest in the series.
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Liquidity triplescurrent ratio 137.59
Current ratio from 48.81 to 137.59; short-term debt falls from €60k to €22k.
01-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Liquidity times 6current ratio 48.81
Current ratio from 8.16 to 48.81; short-term debt falls from €353k to €60k.
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €703k ▲121%
Operating result €790k, net result €703k, both a record.
30-09
Financial
Liquidity quadruplescurrent ratio 14.82
Current ratio from 3.84 to 14.82; short-term debt falls from €494k to €150k.
30-09
Financial
Equity above €2MEq €2.08M ▲47.9%
4 profitable years in a row build equity to €2.08M.
08-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2020
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Liquidity doublescurrent ratio 2.58
Current ratio from 1.25 to 2.58; short-term debt falls from €2.83M to €687k.
30-09
Financial
Equity above €1MEq €1.09M ▲52.4%
2 profitable years in a row build equity to €1.09M.
08-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Antwerpen · 1 establishment unit since 1998
Ground area
757 m²
Building footprint
717 m²
Volume, LiDAR
8,487 m³
Parcel 11806F1445/00V011, Flanders · tallest building 31.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
RISH-DIAM BVBA
since 19982.086.915.606
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1445/00V011 | Flanders | 757 m² | 1 · 717 m² | 31.8 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Similar companies · same sector, comparable size
SANA DIAM
BE 0416.298.264
Antwerpen · Eq €2,376,658
MANES DIAMONDS
BE 0433.757.571
Antwerpen · Eq €2,378,007
SEBER CREATIONS
BE 0441.864.593
Antwerpen · Eq €2,380,418
SHIVAY GEMS
BE 0861.938.733
Antwerpen · Eq €2,362,354
SAVEER GEMS
BE 0860.809.573
Antwerpen · Eq €2,406,195
Of 1,230 companies in sector 46861 we hold annual accounts for 678. 433 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-05-1998
Fiscal year end30-09
Activities, NACEBEL 2025
46861Wholesale of diamonds and other precious stones
Scores and ratios are computed by Checked and are not a credit decision.