RISKOPP
ActiveSummary
RISKOPP has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €632k and a net result of €89k. Equity is growing by ~22.3% per year across the filed fiscal years. Its solvency ranks better than 76% of 1648 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-7
Solvency97▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 4.29 against 3.42 in 2024; short-term debt: 13% and cash: 21.9% of total assets), and 28.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
71.8%
Return on assets
10.1%
Age of the figures
9 mo
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
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
23 d early
2023
20 d early
2022
28 d early
2021
10 d late
2020
58 d early
2019
52 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€632k▲ 16.4%
2024 · €543k
2018: €138klowest in 8 years
2019: €192k▲ +39.7% vs 2018
2020: €308k▲ +59.9% vs 2019
2021: €321k▲ +4.4% vs 2020
2022: €360k▲ +12.1% vs 2021
2023: €421k▲ +16.9% vs 2022
2024: €543k▲ +29.0% vs 2023
2025: €632k▲ +16.4% vs 2024highest in 8 years
2018 → 2025
Total assets
€881k▲ 11.6%
2024 · €789k
2018: €218klowest in 8 years
2019: €239k▲ +9.2% vs 2018
2020: €602k▲ +152% vs 2019
2021: €678k▲ +12.8% vs 2020
2022: €770k▲ +13.6% vs 2021
2023: €678k▼ -12.0% vs 2022
2024: €789k▲ +16.4% vs 2023
2025: €881k▲ +11.6% vs 2024highest in 8 years
2018 → 2025
Net result
€89k▼ 27.0%
2024 · €122k
2018: €10klowest in 8 years
2019: €55k▲ +435% vs 2018
2020: €115k▲ +111% vs 2019
2021: €80k▼ -30.6% vs 2020
2022: €92k▲ +14.8% vs 2021
2023: €61k▼ -33.6% vs 2022
2024: €122k▲ +101% vs 2023highest in 8 years
2025: €89k▼ -27.0% vs 2024
2018 → 2025
Working capital
€376k▲ 38.9%
2024 · €271k
2018: €136k
2019: €191k▲ +40.6% vs 2018
2020: €46k▼ -76.0% vs 2019lowest in 8 years
2021: €52k▲ +14.5% vs 2020
2022: €88k▲ +67.1% vs 2021
2023: €146k▲ +67.1% vs 2022
2024: €271k▲ +84.9% vs 2023
2025: €376k▲ +38.9% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€321k-€360k▲ 12.1%€421k▲ 16.9%€543k▲ 29.0%€632k▲ 16.4%
2021: €321klowest in 5 years
2022: €360k▲ +12.1% vs 2021
2023: €421k▲ +16.9% vs 2022
2024: €543k▲ +29.0% vs 2023
2025: €632k▲ +16.4% vs 2024highest in 5 years
Operating result€114k-€144k▲ 25.8%€79k▼ 44.9%€184k▲ 132%€131k▼ 28.6%
2021: €114k
2022: €144k▲ +25.8% vs 2021
2023: €79k▼ -44.9% vs 2022lowest in 5 years
2024: €184k▲ +132% vs 2023highest in 5 years
2025: €131k▼ -28.6% vs 2024
Net result€80k-€92k▲ 14.8%€61k▼ 33.6%€122k▲ 101%€89k▼ 27.0%
2021: €80k
2022: €92k▲ +14.8% vs 2021
2023: €61k▼ -33.6% vs 2022lowest in 5 years
2024: €122k▲ +101% vs 2023highest in 5 years
2025: €89k▼ -27.0% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €881k
Fixed assets
€391k ▼ 3.9%
Current assets
€490k ▲ 28.1%
Equity and liabilities €881k
Equity
€632k ▲ 16.4%
Debt
€249k ▲ 1.0%
Debt's share of the balance-sheet total falls from 31.2% to 28.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€147k▼
2024 · €200k
Cash flow
€105k▼
2024 · €139k
Current ratio
4.29▲
2024 · 3.42
Debt to equity
0.39▼
2024 · 0.45
ROE
14.1%▼
2024 · 22.5%
ROA
10.1%▼
2024 · 15.5%
Interest coverage
38.42▼
2024 · 104.97
Debt ≤ 1 year
€114k▲
2024 · €112k
Debt > 1 year
€134k=
2024 · €134k
Income taxes
€38k▼
2024 · €60k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€789k€881k▲
Fixed assets21/28€407k€391k▼
Tangible fixed assets22/27€407k€391k▼
Land and buildings22€399k€386k▼
Plant, machinery and equipment23€2k€766▼
Furniture and vehicles24€5k€4k▼
Current assets29/58€383k€490k▲
Amounts receivable within one year40/41€6k€0▼
Trade receivables40€1k€0▼
Other amounts receivable41€5k€0▼
Current investments50/53€222k€297k▲
Cash at bank and in hand54/58€155k€193k▲
Equity and liabilities
Total equity and liabilities10/49€789k€881k▲
Equity10/15€543k€632k▲
Contributions10/11€6k€6k=
Reserves13€537k€626k▲
Distributable reserves133€537k€626k▲
Amounts payable17/49€246k€249k▲
Amounts payable after more than one year17€134k€134k=
Financial debts170/4€134k€134k=
Amounts payable within one year42/48€112k€114k▲
Current portion of amounts payable after more than one year42€13k€566▼
Trade debts44€31k€390▼
Suppliers440/4€31k€390▼
Taxes, remuneration and social security45€68k€100k▲
Taxes450/3€68k€100k▲
Other amounts payable47/48€0€13k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▼
Other operating charges640/8€1k€913▼
Gross operating margin9900€201k€148k▼
Operating profit (loss)9901€184k€131k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€182k€127k▼
Income taxes67/77€60k€38k▼
Profit (loss) for the period9904€122k€89k▼
Profit (loss) for the period to be appropriated9905€122k€89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€122k€89k▼
Transfer to equity691/2€122k€89k▼
To other reserves6921€122k€89k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (13 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €909 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14k | €16k | €16k | €16k | €16k | ▼ 2.1% |
| Other operating charges640/8 | €2k | €1k | €1k | €1k | €913 | ▼ 27.0% |
| Gross operating margin9900 | €130k | €161k | €96k | €201k | €148k | ▼ 26.5% |
| Operating profit (loss)9901 | €114k | €144k | €79k | €184k | €131k | ▼ 28.6% |
| Financial income75/76B | €0 | €1k | €709 | €0 | €0 | ▲ 100% |
| Recurring financial income75 | €0 | €1k | €709 | €0 | €0 | ▲ 100% |
| Financial charges65/66B | €2k | €11k | €-7k | €2k | €4k | ▲ 101% |
| Recurring financial charges65 | €2k | €11k | €-7k | €2k | €4k | ▲ 101% |
| Profit (loss) for the period before taxes9903 | €112k | €134k | €87k | €182k | €127k | ▼ 30.0% |
| Income taxes67/77 | €32k | €42k | €26k | €60k | €38k | ▼ 36.1% |
| Profit (loss) for the period9904 | €80k | €92k | €61k | €122k | €89k | ▼ 27.0% |
| Profit (loss) for the period to be appropriated9905 | €80k | €92k | €61k | €122k | €89k | ▼ 27.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €678k | €770k | €678k | €789k | €881k | ▲ 11.6% |
| Fixed assets21/28 | €441k | €432k | €422k | €407k | €391k | ▼ 3.9% |
| Tangible fixed assets22/27 | €441k | €432k | €422k | €407k | €391k | ▼ 3.9% |
| Land and buildings22 | €435k | €426k | €413k | €399k | €386k | ▼ 3.3% |
| Plant, machinery and equipment23 | €2k | €3k | €2k | €2k | €766 | ▼ 53.8% |
| Furniture and vehicles24 | €4k | €3k | €7k | €5k | €4k | ▼ 34.6% |
| Current assets29/58 | €237k | €338k | €256k | €383k | €490k | ▲ 28.1% |
| Amounts receivable within one year40/41 | €76k | €104k | €16k | €6k | €0 | ▼ 100% |
| Trade receivables40 | - | €80k | €16k | €1k | €0 | ▼ 100% |
| Other amounts receivable41 | €76k | €24k | - | €5k | €0 | ▼ 100% |
| Current investments50/53 | €74k | €66k | €222k | €222k | €297k | ▲ 33.8% |
| Cash at bank and in hand54/58 | €86k | €168k | €18k | €155k | €193k | ▲ 24.7% |
| Deferred charges and accrued income490/1 | €1k | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €678k | €770k | €678k | €789k | €881k | ▲ 11.6% |
| Equity10/15 | €321k | €360k | €421k | €543k | €632k | ▲ 16.4% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €315k | €354k | €415k | €537k | €626k | ▲ 16.6% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €313k | €352k | €415k | €537k | €626k | ▲ 16.6% |
| Amounts payable17/49 | €357k | €411k | €257k | €246k | €249k | ▲ 1.0% |
| Amounts payable after more than one year17 | €173k | €160k | €147k | €134k | €134k | = |
| Financial debts170/4 | €173k | €160k | €147k | €134k | €134k | = |
| Amounts payable within one year42/48 | €184k | €250k | €110k | €112k | €114k | ▲ 2.2% |
| Current portion of amounts payable after more than one year42 | €13k | €13k | €13k | €13k | €566 | ▼ 95.6% |
| Trade debts44 | €28k | €128k | €31k | €31k | €390 | ▼ 98.7% |
| Suppliers440/4 | €28k | €128k | €31k | €31k | €390 | ▼ 98.7% |
| Taxes, remuneration and social security45 | €81k | €60k | €48k | €68k | €100k | ▲ 47.1% |
| Taxes450/3 | €81k | €60k | €48k | €68k | €100k | ▲ 47.1% |
| Other amounts payable47/48 | €63k | €50k | €18k | €0 | €13k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €80k | €92k | €61k | €122k | €89k | ▼ 27.0% |
| + Depreciation and write-downs630 | €14k | €16k | €16k | €16k | €16k | ▼ 2.1% |
| Operating cash flow (approximation) | €94k | €107k | €77k | €139k | €105k | ▼ 24.0% |
| Investment in fixed assets (approximation) | - | €-6k | €-5k | €-1k | €0 | ▲ 100% |
| Change in cash | - | €82k | €-150k | €137k | €38k | ▼ 72.1% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €122k ▲101%
Operating result €184k, net result €122k, both a record.
31-12
Financial
Equity above €500kEq €543k ▲29%
7 profitable years in a row build equity to €543k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €308k ▲59.9%
3 profitable years in a row build equity to €308k.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €192k ▲39.7%
2 profitable years in a row build equity to €192k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Herent · 1 establishment unit since 2012
Ground area
446 m²
Building footprint
114 m²
Volume, LiDAR
833 m³
Parcel 24423H0154/00W000, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
RISKOPP
since 20122.207.634.084
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423H0154/00W000 | Flanders | 446 m² | 1 · 114 m² | 11.1 m · 2 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.
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Of 2,712 companies in sector 73200 we hold annual accounts for 1,782. 1,227 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
Founded22-02-2012
Fiscal year end31-12
Activities, NACEBEL 2025
73200Market research and public opinion polling
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.