RISSK
ActiveRISSK has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €825k and a net result of €158k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 41% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+3
Solvency47▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity short (current ratio 0.81 against 0.38 in 2024; short-term debt: 11.7% and cash: 3.8% of total assets), and 78.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
21.9%
Return on assets
4.2%
Age of the figures
9 mo
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
on the day
2023
13 d late
2022
17 d late
2021
12 d late
2020
5 d early
2019
31 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€825k▲ 23.7%
2024 · €667k
2018: €433k
2019: €434k
2020: €506k
2021: €596k
2022: €599k
2023: €603k
2024: €667k
2018 → 2025
Total assets
€3.76M▲ 3.3%
2024 · €3.64M
2018: €3.75M
2019: €4.19M
2020: €4.30M
2021: €4.30M
2022: €4.17M
2023: €3.76M
2024: €3.64M
2018 → 2025
Net result
€158k▲ 147%
2024 · €64k
2018: €227k
2019: €1k
2020: €72k
2021: €91k
2022: €3k
2023: €4k
2024: €64k
2018 → 2025
Working capital
€-85k▲ 58.5%
2024 · €-205k
2018: €-169k
2019: €-271k
2020: €-238k
2021: €-195k
2022: €-236k
2023: €-189k
2024: €-205k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€596k-€599k▲ 0.5%€603k▲ 0.7%€667k▲ 10.6%€825k▲ 23.7%
Operating result€170k-€41k▼ 75.6%€56k▲ 35.0%€138k▲ 147%€252k▲ 82.1%
Net result€91k-€3k▼ 96.9%€4k▲ 44.4%€64k▲ 1,495%€158k▲ 147%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 82% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.76M
Fixed assets
€3.40M▼ 3.1%
Current assets
€357k▲ 180%
Equity and liabilities €3.76M
Equity
€825k▲ 23.7%
Debt
€2.94M▼ 1.3%
The debt ratio falls from 81.7% to 78.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€381k▲
2024 · €268k
Cash flow
€288k▲
2024 · €194k
Solvency
21.9%▲
2024 · 18.3%
Current ratio
0.81▲
2024 · 0.38
Quick ratio
0.77▲
2024 · 0.29
Debt / equity
3.56▼
2024 · 4.46
ROE
19.2%▲
2024 · 9.6%
ROA
4.2%▲
2024 · 1.8%
Interest coverage
13.00▲
2024 · 6.54
Debt
€2.94M▼
2024 · €2.97M
Debt ≤ 1 year
€442k▲
2024 · €332k
Debt > 1 year
€2.49M▼
2024 · €2.64M
Income taxes
€64k▲
2024 · €33k
Staff costs
€400k▼
2024 · €414k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.64M€3.76M▲
Fixed assets21/28€3.51M€3.40M▼
Tangible fixed assets22/27€3.51M€3.40M▼
Land and buildings22€3.47M€3.36M▼
Plant, machinery and equipment23€34k€41k▲
Furniture and vehicles24€8k€5k▼
Current assets29/58€128k€357k▲
Stocks and contracts in progress3€32k€16k▼
Stocks30/36€32k€16k▼
Amounts receivable within one year40/41€4k€178k▲
Trade receivables40€2k€148k▲
Other amounts receivable41€3k€30k▲
Cash at bank and in hand54/58€85k€142k▲
Deferred charges and accrued income490/1€7k€21k▲
Equity and liabilities
Total equity and liabilities10/49€3.64M€3.76M▲
Equity10/15€667k€825k▲
Contributions10/11€300k€300k=
Reserves13€367k€525k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132-€88k
Distributable reserves133€365k€435k▲
Amounts payable17/49€2.97M€2.94M▼
Amounts payable after more than one year17€2.64M€2.49M▼
Financial debts170/4€2.64M€2.49M▼
Amounts payable within one year42/48€332k€442k▲
Current portion of amounts payable after more than one year42€224k€210k▼
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€23k€118k▲
Suppliers440/4€23k€118k▲
Taxes, remuneration and social security45€72k€78k▲
Taxes450/3€22k€30k▲
Remuneration and social security454/9€50k€48k▼
Other amounts payable47/48€13k€33k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€414k€400k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€130k€130k▲
Other operating charges640/8€46k€35k▼
Gross operating margin9900€728k€816k▲
Operating profit (loss)9901€138k€252k▲
Financial income75/76B€0€0=
Recurring financial income75€0€0=
Financial charges65/66B€41k€29k▼
Recurring financial charges65€41k€29k▼
Profit (loss) for the period before taxes9903€97k€222k▲
Income taxes67/77€33k€64k▲
Profit (loss) for the period9904€64k€158k▲
Transfer to tax-exempt reserves689-€88k
Profit (loss) for the period to be appropriated9905€64k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€70k▲
Transfer to equity691/2€64k€70k▲
To other reserves6921€64k€70k▲
Social balance
Average headcount (FTE)90876.86.5▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 13 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 17 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €506k ▲16.5%
3 profitable years in a row build equity to €506k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €1k ▼99.5%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Diest · 2 establishment units since 2006
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Schaluinstraat 53290 DiestGround area
8,305 m²
Building footprint
859 m²
Volume, LiDAR
1,250 m³
2 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
RISSK
since 20062.156.992.067
RISSK
since 20192.291.417.439
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020B0251/00W002 | Flanders | 8,111 m² | 1 · 673 m² | 3.9 m |
| 31004A0318/00B000 | Flanders | 194 m² | 1 · 186 m² | 10.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 3,911 EUR awarded · 3,911 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,295 EUR | 1,295 EUR |
| 2023 | 1 | 2,616 EUR | 2,616 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,368 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2006
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
82990Other business support services
86109Human health activities
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.