RISPONDO
ActiveSummary
RISPONDO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125,537 and a net result of -€9,273. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 7997 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability10▲+10
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 28.84 against 11.33 in 2024; short-term debt: 3.3% and cash: 14.8% of total assets), and 3.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€9,273
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
28 d late
2023
22 d late
2022
61 d late
2021
30 d late
2020
23 d early
2019
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 16 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
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. Usually files around 28 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€125,537▼ 6.9%
2024 · €134,810
Total assets
€129,783▼ 11.9%
2024 · €147,237
Net result
-€9,273▲ 58.3%
2024 · -€22,227
Working capital
€118,210▼ 7.9%
2024 · €128,335
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€65,706▲ 28.9%€62,955▼ 4.2%€32,477▼ 48.4%-€19,380-€9,840▲ 49.2%
Net result€47,716above the sector's middle half▲ 20.4%€41,821above the sector's middle half▼ 12.4%€23,407within the sector's middle half▼ 44.0%-€22,227below the sector's middle half-€9,273below the sector's middle half▲ 58.3%
Equity€131,735within the sector's middle half▲ 56.8%€133,631within the sector's middle half▲ 1.4%€157,038within the sector's middle half▲ 17.5%€134,810within the sector's middle half▼ 14.2%€125,537within the sector's middle half▼ 6.9%
Total assets€168,904within the sector's middle half▲ 16.8%€173,269within the sector's middle half▲ 2.6%€167,060within the sector's middle half▼ 3.6%€147,237within the sector's middle half▼ 11.9%€129,783within the sector's middle half▼ 11.9%
Debt€37,169▼ 38.6%€39,638▲ 6.6%€10,022▼ 74.7%€12,426▲ 24.0%€4,246▼ 65.8%
Working capital€117,767above the sector's middle half▲ 65.9%€121,446above the sector's middle half▲ 3.1%€145,928above the sector's middle half▲ 20.2%€128,335above the sector's middle half▼ 12.1%€118,210above the sector's middle half▼ 7.9%
Solvency78.0%above the sector's middle half▲ 19.9pp77.1%above the sector's middle half▼ 0.9pp94.0%above the sector's middle half▲ 16.9pp91.6%above the sector's middle half▼ 2.4pp96.7%above the sector's middle half▲ 5.2pp
Current ratio6.61above the sector's middle half▲ 3.514.88above the sector's middle half▼ 1.7320.30above the sector's middle half▲ 15.4211.33above the sector's middle half▼ 8.9828.84above the sector's middle half▲ 17.51
Return on assets (ROA)28.3%above the sector's middle half▲ 0.8pp24.1%above the sector's middle half▼ 4.1pp14.0%within the sector's middle half▼ 10.1pp-15.1%below the sector's middle half▼ 29.1pp-7.1%below the sector's middle half▲ 8.0pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9,840 in 2025 against €19,380 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129,783
Fixed assets
€7,327 ▲ 13.2%
Current assets
€122,456 ▼ 13.0%
Equity and liabilities €129,783
Equity
€125,537 ▼ 6.9%
Debt
€4,246 ▼ 65.8%
Debt's share of the balance-sheet total falls from 8.4% to 3.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€6,063▲
2024 · -€12,282
Cash flow
-€5,497▲
2024 · -€15,130
Debt to equity
0.03▼
2024 · 0.09
ROE
-7.4%▲
2024 · -16.5%
Interest coverage
-46.24▼
2024 · -21.34
Debt ≤ 1 year
€4,246▼
2024 · €12,426
Income taxes
€163▼
2024 · €2,550
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.9%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 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% | 1.0% |
| 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% 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 6,910 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,586 | €9,586 | €8,498 | €7,097 | €3,776 | ▼ 46.8% |
| Other operating charges640/8 | €936 | €697 | €658 | €641 | €654 | ▲ 2.0% |
| Non-recurring operating charges66A | - | - | €363 | - | - | - |
| Gross operating margin9900 | €76,227 | €73,238 | €41,997 | -€11,641 | -€5,409 | ▲ 53.5% |
| Operating profit (loss)9901 | €65,706 | €62,955 | €32,477 | -€19,380 | -€9,840 | ▲ 49.2% |
| Financial income75/76B | €0 | €0 | €3,888 | €278 | €860 | ▲ 210% |
| Recurring financial income75 | €0 | €0 | €3,888 | €278 | €860 | ▲ 210% |
| Financial charges65/66B | €850 | €530 | €347 | €576 | €131 | ▼ 77.2% |
| Recurring financial charges65 | €850 | €530 | €347 | €576 | €131 | ▼ 77.2% |
| Profit (loss) for the period before taxes9903 | €64,856 | €62,425 | €36,018 | -€19,678 | -€9,111 | ▲ 53.7% |
| Income taxes67/77 | €17,140 | €20,603 | €12,612 | €2,550 | €163 | ▼ 93.6% |
| Profit (loss) for the period9904 | €47,716 | €41,821 | €23,407 | -€22,227 | -€9,273 | ▲ 58.3% |
| Profit (loss) for the period to be appropriated9905 | €47,716 | €41,821 | €23,407 | -€22,227 | -€9,273 | ▲ 58.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €168,904 | €173,269 | €167,060 | €147,237 | €129,783 | ▼ 11.9% |
| Fixed assets21/28 | €30,145 | €20,559 | €13,572 | €6,475 | €7,327 | ▲ 13.2% |
| Tangible fixed assets22/27 | €30,025 | €20,439 | €13,452 | €6,355 | €7,207 | ▲ 13.4% |
| Plant, machinery and equipment23 | €2,638 | €2,308 | €1,978 | €1,649 | €1,319 | ▼ 20.0% |
| Furniture and vehicles24 | €27,387 | €18,131 | €11,474 | €4,706 | €5,888 | ▲ 25.1% |
| Financial fixed assets28 | €120 | €120 | €120 | €120 | €120 | = |
| Current assets29/58 | €138,759 | €152,710 | €153,488 | €140,762 | €122,456 | ▼ 13.0% |
| Amounts receivable within one year40/41 | €30,299 | €43,105 | €33,975 | €34,976 | €25,053 | ▼ 28.4% |
| Trade receivables40 | €21,264 | €24,837 | €32,953 | €11,804 | - | - |
| Other amounts receivable41 | €9,035 | €18,268 | €1,021 | €23,172 | €25,053 | ▲ 8.1% |
| Current investments50/53 | €39,879 | €39,879 | €55,994 | €56,184 | €76,561 | ▲ 36.3% |
| Cash at bank and in hand54/58 | €64,576 | €69,578 | €50,766 | €48,651 | €19,238 | ▼ 60.5% |
| Deferred charges and accrued income490/1 | €4,006 | €148 | €12,753 | €951 | €1,604 | ▲ 68.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €168,904 | €173,269 | €167,060 | €147,237 | €129,783 | ▼ 11.9% |
| Equity10/15 | €131,735 | €133,631 | €157,038 | €134,810 | €125,537 | ▼ 6.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | €18,600 | - | - | - | - | - |
| Other1109/19 | €18,600 | - | - | - | - | - |
| Reserves13 | €113,135 | €115,031 | €138,438 | €138,438 | €138,438 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €111,275 | €113,171 | €136,578 | €136,578 | €136,578 | = |
| Profit (loss) carried forward14 | - | - | - | -€22,227 | -€31,501 | ▼ 41.7% |
| Amounts payable17/49 | €37,169 | €39,638 | €10,022 | €12,426 | €4,246 | ▼ 65.8% |
| Amounts payable after more than one year17 | €16,177 | €8,374 | €2,463 | - | - | - |
| Financial debts170/4 | €16,177 | €8,374 | €2,463 | - | - | - |
| Amounts payable within one year42/48 | €20,993 | €31,264 | €7,559 | €12,426 | €4,246 | ▼ 65.8% |
| Current portion of amounts payable after more than one year42 | €10,508 | €7,992 | €5,911 | €2,463 | - | - |
| Trade debts44 | €3,899 | €15,222 | €1,448 | €8,818 | €3,303 | ▼ 62.5% |
| Suppliers440/4 | €3,899 | €15,222 | €1,448 | €8,818 | €3,303 | ▼ 62.5% |
| Taxes, remuneration and social security45 | €5,363 | €8,050 | €201 | - | - | - |
| Taxes450/3 | €5,363 | €8,050 | €201 | - | - | - |
| Other amounts payable47/48 | €1,223 | - | - | €1,146 | €943 | ▼ 17.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47,716 | €41,821 | €23,407 | -€22,227 | -€9,273 | ▲ 58.3% |
| + Depreciation and write-downs630 | €9,586 | €9,586 | €8,498 | €7,097 | €3,776 | ▼ 46.8% |
| Operating cash flow (approximation) | €57,302 | €51,407 | €31,905 | -€15,130 | -€5,497 | ▲ 63.7% |
| Investment in fixed assets (approximation) | - | €0 | -€1,512 | €0 | -€4,628 | - |
| Change in cash | - | €5,002 | -€18,812 | -€2,115 | -€29,413 | ▼ 1,291% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 28.84
Current ratio from 11.33 to 28.84; short-term debt falls from €12,426 to €4,246.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet -€22,227
Net result drops to -€22,227, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 20.30
Current ratio from 4.88 to 20.30; short-term debt falls from €31,264 to €7,559.
31-12
Financial
Equity above €150,000Eq €157,038 ▲17.5%
4 profitable years in a row build equity to €157,038.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €47,716 ▲20.4%
Operating result €65,706, net result €47,716, both a record.
31-12
Financial
Liquidity doublescurrent ratio 6.61
Current ratio from 3.10 to 6.61; short-term debt falls from €33,870 to €20,993.
31-12
Financial
Equity above €100,000Eq €131,735 ▲56.8%
2 profitable years in a row build equity to €131,735.
Show earlier events
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €39,626
Net result €39,626 after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2007
Ground area
319 m²
Building footprint
73 m²
Volume, LiDAR
539 m³
Parcel 24482F0048/00G020, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RISPONDO
since 20072.166.555.772
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24482F0048/00G020 | Flanders | 319 m² | 1 · 73 m² | 10.1 m · 3 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 24,494 companies in this sector we hold annual accounts for 9,420. 7,167 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded23-10-2007
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
47750Retail sale of cosmetics and toilet articles
73200Market research and public opinion polling
E-invoicing
Reachable via Peppol
Peppol ID
0208:0893014761
Also
9925:BE0893014761
Registered
10-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.