RISOME
ActiveSummary
RISOME has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €550 and a net result of €337. The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Activity
“L’aide et les services aux membres” (deed in French)
From the articles, 3 activitiesNo NACE code in the KBO yet
Size
€11,693turnover 2025
- Equity
- €550
- Surplus
- €337
Why 70raises riskNo main activity registeredFounded in 20231 change of registered office in 24 monthslowers riskLegal form: non-profit associationShow the evidence
Checked score
Score 2025
70
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 51% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Average
Solvency
31-24
equity 6.0% of total assets
Liquidity
59+10
short-term debt 75.0% · cash 100.0%
Profitability
47-53
return on assets 3.7%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.5%
12-2024: 0.5%● unchanged vs 11-2024
01-2025: 0.6%▲ +0.1 percentage points vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.8%▲ +0.2 percentage points vs 06-2025highest value
08-2025: 0.8%● unchanged vs 07-2025highest value
09-2025: 0.2%▼ -0.6 percentage points vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026lowest value
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026
09-2026: 0.6%▲ +0.3 percentage points vs 08-2026
10-2026: 0.6%● unchanged vs 09-2026
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 20% on solvency, 56% on liquidity, 34% on profitability and 95% on growth.
The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
28 days late
2024
28 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 2 accounts on average 28 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · full…
- Resignation: Céline Schiltz (chargée de la…Appointment: Fanny Segers (chargée de…
- Resignations: Barbara Mourin, Eric Albertuccio and…Appointments: Adèle Belanger, Myriam Colot…
Financials · financial year 2025, full format
2025 annual accounts filed late (28 days) Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00444726.
Turnover
€11,693
EBIT margin
4.6%
Net result
€337▲ 57.9%
2024 · €213
Working capital
€2,279▲ 969%
2024 · €213
Trend over the years
2024 to 2025, 2 financial years
The operating result rises in 2025; 2025 is 63% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€542
2025
Net result€337
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€9,113
2025
Equity€550
2025
Debt€8,563
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€2,279
2025
Use the arrow keys on the chart for the figures per year.
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Turnover€11,693
Operating result€333-€542▲ 62.7%
Net result€213-€337▲ 57.9%
EBIT margin4.6%
Equity€213-€550▲ 158%
Total assets€722-€9,113▲ 13×
Debt€509-€8,563▲ 17×
Working capital€213-€2,279▲ 969%
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €9,113
Equity
€550 ▲ 158%
Debt
€8,563 ▲ 17×
Debt's share of the balance-sheet total rises from 70.5% to 94.0%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.33
ROA
3.7%
Debt ≤ 1 year
€6,833▲
2024 · €509
Equity ratios withheld: equity of €550 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,135 companies that looked in July 2024 the way this one looks now, 5.2% went bankrupt within 24 months and 92.0% are still going.
- Micro
- 2 to 5 years old
- solvency under 10%
- a profit under 5% of the balance sheet
5.2%
went bankrupt
2.4%
stopped otherwise
92.0%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,135 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Turnover70 | - | €11,693 | - |
| Goods, raw materials, services and sundry goods60/61 | €0 | €10,605 | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €546 | - |
| Gross operating margin9900 | €333 | €1,088 | ▲ 226% |
| Operating profit (loss)9901 | €333 | €542 | ▲ 62.7% |
| Financial charges65/66B | €120 | €206 | ▲ 71.4% |
| Recurring financial charges65 | €120 | €206 | ▲ 71.4% |
| Profit (loss) for the period before taxes9903 | €213 | €337 | ▲ 57.9% |
| Profit (loss) for the period9904 | €213 | €337 | ▲ 57.9% |
| Profit (loss) for the period to be appropriated9905 | €213 | €337 | ▲ 57.9% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €722 | €9,113 | ▲ 13× |
| Current assets29/58 | €722 | €9,113 | ▲ 13× |
| Amounts receivable within one year40/41 | €0 | €0 | - |
| Trade receivables40 | €0 | €0 | - |
| Cash at bank and in hand54/58 | €213 | €9,113 | ▲ 43× |
| Deferred charges and accrued income490/1 | €509 | €0 | ▼ 100% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €722 | €9,113 | ▲ 13× |
| Equity10/15 | €213 | €550 | ▲ 158% |
| Profit (loss) carried forward14 | €213 | €550 | ▲ 158% |
| Amounts payable17/49 | €509 | €8,563 | ▲ 17× |
| Amounts payable within one year42/48 | €509 | €6,833 | ▲ 13× |
| Trade debts44 | €509 | €6,833 | ▲ 13× |
| Suppliers440/4 | €509 | €6,833 | ▲ 13× |
| Accrued charges and deferred income492/3 | - | €1,730 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €213 | €337 | ▲ 57.9% |
| Operating cash flow (approximation) | €213 | €337 | ▲ 57.9% |
| Change in cash | - | €8,900 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | full format | 28-08-2026 | 2026-00444726 |
| 31-12-2024 | full format | 28-08-2025 | 2025-00440836 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
15 directors, 1 in day-to-day management, no change since 2026
Board 15
Jacky Quintart
CurrentVice présidence · since 24-10-2024
Actions intégrées de Développement
CurrentAdministrateur trice · since 07-06-2023 · Non-profit association
Centre d'Information et d'Education Populaire de la province de Namur
CurrentAdministrateur trice · since 07-06-2023 · Non-profit association
CENTRE D'INFORMATION ET D'EDUCATION POPULAIRE
CurrentAdministrateur trice · since 07-06-2023 · Non-profit association
Centre d'Information et d'Education Populaire de Liège
CurrentAdministrateur trice · since 07-06-2023 · Non-profit association
CENTRE D'INFORMATION ET D'EDUCATION POPULAIRE DU HAINAUT CENTRE
CurrentAdministrateur trice · since 07-06-2023 · Non-profit association
CENTRE D'INFORMATION ET D'EDUCATION POPULAIRE VERVIETOIS
CurrentAdministrateur trice · since 07-06-2023 · Non-profit association
CENTRE D'INFORMATION ET D'EDUCATION POPULAIRES DU MOUVEMENT OUVRIER CHRETIEN
CurrentAdministrateur trice · since 07-06-2023 · Non-profit association
Show all 15 directors
Centre d'Information et d’Éducation Populaire de Wallonie picarde
CurrentAdministrateur trice · since 07-06-2023 · Non-profit association
Espace Sémaphore asbl :Centre de Psychologie et Sociologie Interculturelle
CurrentAdministrateur trice · since 07-06-2023 · Non-profit association
Réso asbl
CurrentAdditional director · since 19-06-2023 · Legal entity · permanent representative: Enrique Rodriguez
Adèle Belanger
CurrentDirector · since 19-06-2025
Myriam Colot
CurrentDirector · since 19-06-2025
Stéphanie Boulanger
CurrentDirector · since 19-06-2025
Centre d’Information et d’Education populaires de Charleroi-Thuin ASBL
CurrentAdministrateur trice · since 07-06-2023 · Legal entity · from a recent deed
Day-to-day management 1
Fanny Segers
CurrentChargée de la gestion journalière · since 07-08-2026
Permanent representatives 1
Enrique Rodriguez
CurrentPermanent representative · since 19-06-2023 · for Réso asbl
Other functions 1
Véronique Oruba
CurrentPrésidence · since 24-10-2024
"From a recent act": read from a Gazette act not yet processed into our list of directors.
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Mandate history
23 people since 2023, 17 in office
- Board
- Day-to-day management
- Other function
- began earlier
| Name | Functions and periods |
|---|---|
| Actions intégrées de Développement |
|
| Centre d'Information et d'Education Populaire de la province de Namur |
|
| CENTRE D'INFORMATION ET D'EDUCATION POPULAIRE |
|
| Centre d'Information et d'Education Populaire de Liège |
|
| CENTRE D'INFORMATION ET D'EDUCATION POPULAIRE DU HAINAUT CENTRE |
|
| CENTRE D'INFORMATION ET D'EDUCATION POPULAIRE VERVIETOIS |
|
| CENTRE D'INFORMATION ET D'EDUCATION POPULAIRES DU MOUVEMENT OUVRIER CHRETIEN |
|
| Centre d'Information et d’Éducation Populaire de Wallonie picarde |
|
| Centre d’Information et d’Education populaires de Charleroi-Thuin ASBLfrom an act |
|
| Espace Sémaphore asbl :Centre de Psychologie et Sociologie Interculturelle |
|
| Réso asbl |
|
| Jacky Quintart |
|
| Adèle Belanger |
|
| Myriam Colot |
|
| Stéphanie Boulanger |
|
| Fanny Segers |
|
| Véronique Oruba |
|
| Céline Schiltz |
|
| Barbara Mourin |
|
| Enrique Rodriguez |
|
| Eric Albertuccio |
|
| Hasan Varis |
|
| Vina Nguyen |
|
Owners and capital
Capital and shareholders
Shareholders according to the deeds
At incorporation
act of 07-06-2023 ↗
- Centre d’Information et d’Education populaire – Mouvement Ouvrier Chrétien ASBL (BE 0474.887.848) founder
- Actions Intégrées de Développement ASBL (BE 0434.108.652) founder
- Centre d’Information et d’Education populaire de Liège ASBL (BE 0837.966.568) founder
- Centre d’Information et d’Education populaire Verviétois ASBL (BE 0478.477.244) founder
- Centre d’Information et d’Education populaire de Hainaut Centre ASBL (BE 0478.923.345) founder
- Centre d’Information et d’Education populaire de la province de Namur ASBL (BE 0874.620.294) founder
- Centre d’Information et d’Education populaire en Wallonie Picarde ASBL (BE 0478.656.594) founder
- Centre d’Information et d’Education populaires de Charleroi-Thuin ASBL (BE 0862.318.815) founder
- Centre d’Information et d’Education populaire du Luxembourg ASBL (BE 0476.451.330) founder
- Vie féminine,mouvement féministe d’action interculturelle et sociale ASBL (BE 0410.905.856) founder
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
Group and network
Connections & network
7 connected companiesThis company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
Centre d'Information et d’Éducation Populaire de Wallonie picarde
via Jacky Quintart · Permanent representative
→
Centre Régional d'Intégration de Mons-Borinage-Wapi
Shared corporate director
→
COORDINATION DES ASSOCIATIONS DE SENIORS
Shared corporate director
→
Eden|Centre culturel de Charleroi
Shared corporate director
→
Show 3 more companies with a shared director
Fédération des Employeurs des Secteurs de l'Education permanente et de la Formation des Adultes
Shared corporate director
→
Mode d'Emploi
Shared corporate director
→
Pop Up Virus Culturel
Shared corporate director
→
History
RISOME was incorporated on 5 June 2023 as a non-profit association by Centre d’Information et d’Education populaire - Mouvement Ouvrier Chrétien ASBL, Actions Intégrées de Développement ASBL and 8 other companies.12 The registered office was moved to Namur in 2026.3 The board currently has 15 members; 10 of them have served since 2023.2
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
financial year 2025 · full format · 28 days late
07-08
Gazette deed
Resignation: Céline Schiltz (chargée de la gestion journalière)Appointment: Fanny Segers (chargée de la gestion journalière) · Registered-office move6 facts ▸
Gazette deed
Resignation: Céline Schiltz (chargée de la gestion journalière)
Appointment: Fanny Segers (chargée de la gestion journalière) · Registered-office move6 facts ▸
- Board meeting, 23-06-2026
- Director resignation, Céline Schiltz (chargée de la gestion journalière)
- Director appointment, Fanny Segers (chargée de la gestion journalière)
- General meeting, 19-06-2025
- Other provision, “proposition de changement de siège social, Présidente” (deed in French)
- Registered-office move, Place de l'Ilon 17,5000 Namur
2025
24-11
Gazette deed
Resignations: Barbara Mourin, Eric Albertuccio and 3 othersAppointments: Adèle Belanger, Myriam Colot and 5 others · Withdrawal: Aurore Kesch (full member) · Power of attorney26 facts ▸
Gazette deed
Resignations: Barbara Mourin, Eric Albertuccio and 3 others
Appointments: Adèle Belanger, Myriam Colot and 5 others · Withdrawal: Aurore Kesch (full member) · Power of attorney26 facts ▸
- Director resignation, Barbara Mourin (director)
- Director appointment, Adèle Belanger (director)
- Director resignation, Eric Albertuccio (director)
- Director appointment, Myriam Colot (director)
- Director resignation, Hasan Varis (director)
- Director appointment, Stéphanie Boulanger (director)
- Power of attorney, Véronique Oruba
- Director resignation, Enrique Rodriguez (director)
- Director discharge, Enrique Rodriguez
- Member resignation, Aurore Kesch (full member)
- Other provision, “poste libéré non pourvu, le poste ainsi libéré n'est pas encore pourvu à ce jour” (deed in French)
- Other provision, “remplacement membre effectif, Le remplacement de ce membre effectif sera soumis à une prochaine assemblée générale, conformément aux procédures statutaires” (deed in French)
- +14 further facts in this act
28-08
NBB filing
Annual accounts filed
financial year 2024 · full format · 28 days late
2024
01-02
Gazette deed
Appointment: RESO ASBL (additional director)Permanent representative: Véronique Oruba6 facts ▸
Gazette deed
Appointment: RESO ASBL (additional director)
Permanent representative: Véronique Oruba6 facts ▸
- General meeting, 19-06-2023
- Director appointment, RESO ASBL (additional director)
- Other provision, “représentant”, representation (deed in French)
- Board meeting, 24-10-2023
- Permanent representative, Véronique Oruba
- Director in office, Centre d'Information et d'Education populaire - Mouvement Ouvrier Chrétien ASBL (chair)
2023
07-06
Gazette deed
IncorporationAppointments: Centre d’Information et d’Education populaire – Mouvement Ouvrier Chrétien ASBL, Actions Intégrées de Développement ASBL and 7 others · Founder · Power of attorney22 facts ▸
Gazette deed
Incorporation
Appointments: Centre d’Information et d’Education populaire – Mouvement Ouvrier Chrétien ASBL, Actions Intégrées de Développement ASBL and 7 others · Founder · Power of attorney22 facts ▸
- Incorporation, 25-04-2023
- General meeting, 25-04-2023
- Founder, Centre d’Information et d’Education populaire – Mouvement Ouvrier Chrétien ASBL
- Founder, Actions Intégrées de Développement ASBL
- Founder, Centre d’Information et d’Education populaire de Liège ASBL
- Founder, Centre d’Information et d’Education populaire Verviétois ASBL
- Founder, Centre d’Information et d’Education populaire de Hainaut Centre ASBL
- Founder, Centre d’Information et d’Education populaire de la province de Namur ASBL
- Founder, Centre d’Information et d’Education populaire en Wallonie Picarde ASBL
- Founder, Centre d’Information et d’Education populaires de Charleroi-Thuin ASBL
- Founder, Centre d’Information et d’Education populaire du Luxembourg ASBL
- Founder, Vie féminine,mouvement féministe d’action interculturelle et sociale ASBL
- +10 further facts in this act
Gazette deedNBB filing
4 of 4 deeds read
Register details
Identification
Legal formNon-profit association
Founded05-06-2023
Financial year end31-12
Contact
E-mail
risome@lilon.be
E-mail
secret.gen@moc.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0802406368
Also
9925:BE0802406368
Registered
20-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 27 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Namur
Ground area
3,596 m²
Building footprint
84 m²
Building volume
1,101 m³
Parcel 92094C0567/00E002, Wallonia · tallest building 17.5 m. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92094C0567/00E002 | Wallonia | 3,596 m² | 1 · 84 m² | 17.5 m · 4 |
How the parcels are linked
Good to know
The parcel matches the address exactly.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “L’aide et les services aux membres; L’échange et l’animation en réseau des membres; La représentation et la défense des intérêts des membres” (deed in French)
3 activities (deed in French)
- L’aide et les services aux membres
- L’échange et l’animation en réseau des membres
- La représentation et la défense des intérêts des membres
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Risome
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Article 2, territoire de la Région wallonne” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “4, parmi membres effectifs” (deed in French)“Restent_en_fonction_tant_que_AG_n_a_pas_pourvu_remplacement, tout_temps_par_AG_sans_justification” (deed in French)“Même_administrateur_plusieurs_fonctions, en_réunion_respect_quorums_statuts” (deed in French)1 more provision on this in the deed
Capital, shares and profit
- Membership ruleWho can become a member or partner, and on what terms.
- “Article 7, libre à tout moment par écrit au président de l’organe d'administration” (deed in French)3 more provisions on this in the deed
Oversight and winding up
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Livre 2 Titre 8 Chapitre 2 CSA loi 2019-03-23, dissolution judiciaire” (deed in French)