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Rish-Diam

Active
Private limited companyfounded 199828 yrs activeVan Eycklei 42-43, 2018 Antwerpen, BelgiumKBO/BCE: BE 0463.374.344
Summary

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 date
Age against the risk zone
highest failure risk from 2 to 8 years 28 years 0 30 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, 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 filings
Deviation 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 months
Position in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

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
€-250k€0€250k€500k€750kOperating result 2021: €790k€790kNet result 2021: €703k€703kOperating result 2022: €533k€533kNet result 2022: €474k€474kOperating result 2023: €350k€350kNet result 2023: €317k€317kOperating result 2024: €132k€132kNet result 2024: €144k€144kOperating result 2025: €-26k€-26kNet result 2025: €11k€11k20212022202320242025€-100k€0€100k€200k€300k€400kOperating result 2023: €350k€350kNet result 2023: €317k€317kOperating result 2024: €132k€132kNet result 2024: €144k€144kOperating result 2025: €-26k€-26kNet result 2025: €11k€11k202320242025
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
2025 value · change against 2024
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
Line20212022202320242025Change
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%
Line20212022202320242025Change
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%
Line20212022202320242025Change
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.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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
seat establishment The establishment unit on the map
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
Van Eycklei 42-43, 2018 AntwerpenNACE 51561
since 19982.086.915.606
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11806F1445/00V011
ProtectedMonumentStadsparkSource ↗
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

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.