RISOFI
ActiveSummary
The computed 12-month bankruptcy probability of RISOFI is 3.4% (moderate). The 2025 annual accounts show equity of €48k and a net result of €30k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 85% of 7838 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+31
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.57 against 1.74 in 2024; short-term debt: 23.2% and cash: 27.4% of total assets), and 23.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
48.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
127 d late
2022
59 d late
2021
31 d late
← 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
€48k▲ 170%
2024 · €18k
2021: €28k
2022: €24k▼ -14.5% vs 2021
2023: €37k▲ +57.0% vs 2022
2024: €18k▼ -52.0% vs 2023lowest in 5 years
2025: €48k▲ +170% vs 2024highest in 5 years
2021 → 2025
Total assets
€63k▲ 55.6%
2024 · €40k
2021: €49k
2022: €40k▼ -18.2% vs 2021lowest in 5 years
2023: €69k▲ +71.2% vs 2022highest in 5 years
2024: €40k▼ -41.1% vs 2023
2025: €63k▲ +55.6% vs 2024
2021 → 2025
Net result
€30k
2024 · €-19k
2021: €21k
2022: €-4k▼ -119% vs 2021
2023: €14k▲ +436% vs 2022
2024: €-19k▼ -243% vs 2023lowest in 5 years
2025: €30k▲ +257% vs 2024highest in 5 years
2021 → 2025
Working capital
€37k▲ 124%
2024 · €17k
2021: €25k
2022: €21k▼ -13.8% vs 2021
2023: €35k▲ +66.1% vs 2022
2024: €17k▼ -52.9% vs 2023lowest in 5 years
2025: €37k▲ +124% vs 2024highest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€24k▼ 14.5%€37k▲ 57.0%€18k▼ 52.0%€48k▲ 170%
2021: €28k
2022: €24k▼ -14.5% vs 2021
2023: €37k▲ +57.0% vs 2022
2024: €18k▼ -52.0% vs 2023lowest in 5 years
2025: €48k▲ +170% vs 2024highest in 5 years
Operating result€28k-€-3k€20k€-18k€38k
2021: €28k
2022: €-3k▼ -109% vs 2021
2023: €20k▲ +844% vs 2022
2024: €-18k▼ -193% vs 2023lowest in 5 years
2025: €38k▲ +311% vs 2024highest in 5 years
Net result€21k-€-4k€14k€-19k€30k
2021: €21k
2022: €-4k▼ -119% vs 2021
2023: €14k▲ +436% vs 2022
2024: €-19k▼ -243% vs 2023lowest in 5 years
2025: €30k▲ +257% vs 2024highest in 5 years
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 returns to profit in 2025: €38k after a loss of €18k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€11k ▲ 826%
Current assets
€52k ▲ 32.7%
Equity and liabilities €63k
Equity
€48k ▲ 170%
Debt
€15k ▼ 35.2%
Debt's share of the balance-sheet total falls from 55.7% to 23.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▲
2024 · €-18k
Cash flow
€33k▲
2024 · €-19k
Current ratio
3.57▲
2024 · 1.74
Debt to equity
0.30▼
2024 · 1.26
ROE
62.9%▲
2024 · -108.2%
ROA
48.3%▲
2024 · -48.0%
Interest coverage
10.28▲
2024 · -12.66
Debt ≤ 1 year
€15k▼
2024 · €22k
Income taxes
€4k▲
2024 · €-191
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€40k€63k▲
Fixed assets21/28€1k€11k▲
Tangible fixed assets22/27€1k€11k▲
Furniture and vehicles24€1k€11k▲
Financial fixed assets28€50€50=
Current assets29/58€39k€52k▲
Amounts receivable within one year40/41€29k€34k▲
Trade receivables40€23k€34k▲
Other amounts receivable41€6k€520▼
Cash at bank and in hand54/58€9k€17k▲
Deferred charges and accrued income490/1€1k€354▼
Equity and liabilities
Total equity and liabilities10/49€40k€63k▲
Equity10/15€18k€48k▲
Contributions10/11€7k€7k=
Capital10€7k€7k=
Issued capital100€7k€7k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Legal reserve130€1k€1k=
Profit (loss) carried forward14€10k€40k▲
Amounts payable17/49€22k€15k▼
Amounts payable within one year42/48€22k€15k▼
Trade debts44€18k€10k▼
Suppliers440/4€18k€10k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€1k€725▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€600€2k▲
Other operating charges640/8€174€795▲
Gross operating margin9900€-17k€42k▲
Operating profit (loss)9901€-18k€38k▲
Financial income75/76B€60€207▲
Recurring financial income75€60€207▲
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€-20k€35k▲
Income taxes67/77€-191€4k▲
Profit (loss) for the period9904€-19k€30k▲
Profit (loss) for the period to be appropriated9905€-19k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€40k▲
Profit (loss) brought forward from the previous period14P€29k€10k▼
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 | €1k | €600 | €600 | €600 | €2k | ▲ 292% |
| Other operating charges640/8 | - | €232 | - | €174 | €795 | ▲ 357% |
| Gross operating margin9900 | €30k | €-2k | €20k | €-17k | €42k | ▲ 338% |
| Operating profit (loss)9901 | €28k | €-3k | €20k | €-18k | €38k | ▲ 311% |
| Financial income75/76B | €102 | €227 | €229 | €60 | €207 | ▲ 243% |
| Recurring financial income75 | €102 | €227 | €229 | €60 | €207 | ▲ 243% |
| Financial charges65/66B | €835 | €2k | €3k | €1k | €4k | ▲ 185% |
| Recurring financial charges65 | €835 | €2k | €3k | €1k | €4k | ▲ 185% |
| Profit (loss) for the period before taxes9903 | €28k | €-4k | €17k | €-20k | €35k | ▲ 277% |
| Income taxes67/77 | €7k | - | €3k | €-191 | €4k | ▲ 2,356% |
| Profit (loss) for the period9904 | €21k | €-4k | €14k | €-19k | €30k | ▲ 257% |
| Profit (loss) for the period to be appropriated9905 | €21k | €-4k | €14k | €-19k | €30k | ▲ 257% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €49k | €40k | €69k | €40k | €63k | ▲ 55.6% |
| Fixed assets21/28 | €3k | €2k | €2k | €1k | €11k | ▲ 826% |
| Tangible fixed assets22/27 | €3k | €2k | €2k | €1k | €11k | ▲ 863% |
| Furniture and vehicles24 | €3k | €2k | €2k | €1k | €11k | ▲ 863% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €46k | €38k | €67k | €39k | €52k | ▲ 32.7% |
| Amounts receivable within one year40/41 | €19k | €24k | €60k | €29k | €34k | ▲ 18.9% |
| Trade receivables40 | €14k | €19k | €58k | €23k | €34k | ▲ 49.9% |
| Other amounts receivable41 | €6k | €5k | €3k | €6k | €520 | ▼ 91.8% |
| Cash at bank and in hand54/58 | €26k | €12k | €4k | €9k | €17k | ▲ 93.7% |
| Deferred charges and accrued income490/1 | €412 | €2k | €2k | €1k | €354 | ▼ 73.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €49k | €40k | €69k | €40k | €63k | ▲ 55.6% |
| Equity10/15 | €28k | €24k | €37k | €18k | €48k | ▲ 170% |
| Contributions10/11 | €7k | €7k | €7k | €7k | €7k | = |
| Capital10 | €7k | €7k | €7k | €7k | €7k | = |
| Issued capital100 | €7k | €7k | €7k | €7k | €7k | = |
| Reserves13 | €1k | €1k | €1k | €1k | €1k | = |
| Non-distributable reserves130/1 | €1k | €1k | €1k | €1k | €1k | = |
| Legal reserve130 | €1k | €1k | €1k | €1k | €1k | = |
| Profit (loss) carried forward14 | €20k | €16k | €29k | €10k | €40k | ▲ 308% |
| Amounts payable17/49 | €21k | €16k | €31k | €22k | €15k | ▼ 35.2% |
| Amounts payable within one year42/48 | €21k | €16k | €31k | €22k | €15k | ▼ 35.2% |
| Trade debts44 | €11k | €9k | €25k | €18k | €10k | ▼ 48.3% |
| Suppliers440/4 | €11k | €9k | €25k | €18k | €10k | ▼ 48.3% |
| Taxes, remuneration and social security45 | €10k | €7k | €6k | €3k | €4k | ▲ 52.3% |
| Taxes450/3 | €7k | €7k | €3k | €3k | €4k | ▲ 52.3% |
| Remuneration and social security454/9 | €3k | - | €3k | - | - | - |
| Other amounts payable47/48 | - | €33 | €33 | €1k | €725 | ▼ 39.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21k | €-4k | €14k | €-19k | €30k | ▲ 257% |
| + Depreciation and write-downs630 | €1k | €600 | €600 | €600 | €2k | ▲ 292% |
| Operating cash flow (approximation) | €22k | €-3k | €14k | €-19k | €33k | ▲ 274% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €-12k | - |
| Change in cash | - | €-14k | €-8k | €5k | €8k | ▲ 74.2% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.57
Current ratio from 1.74 to 3.57; short-term debt falls from €22k to €15k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
05-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 127 days late
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Ukkel · 1 establishment unit since 2020
Ground area
456 m²
Building footprint
463 m²
Volume, LiDAR
7,133 m³
Parcel 21616A0267/00F035, Brussels · tallest building 20.3 m, ±6 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
RISOFI
since 20202.310.863.068
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616A0267/00F035 | Brussels | 456 m² | 1 · 463 m² | 20.3 m · 6 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 8,462 companies in sector 43120 we hold annual accounts for 3,230. 2,490 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
Founded14-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
43230Insulation installation
43990Other specialised construction activities
81220Other building cleaning and industrial cleaning
81300Landscape service activities
Scores and ratios are computed by Checked and are not a credit decision.