Riwayah
ActiveSummary
The computed 12-month bankruptcy probability of Riwayah is 1.7% (moderate). The 2025 annual accounts show equity of €96k and a net result of €457. Equity is growing by ~42.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 18280 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-31
Solvency98▲+10
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.16 against 3.5 in 2024; short-term debt: 27% and cash: 47.6% of total assets), and 27% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
73%
Return on assets
0.3%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
25 d early
2024
237 d late
2023
17 d early
2022
13 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 0.5%
2024 · €96k
2022: €13k
2023: €47k
2024: €96k
2022 → 2025
Total assets
€132k▼ 13.4%
2024 · €152k
2022: €28k
2023: €118k
2024: €152k
2022 → 2025
Net result
€457▼ 98.9%
2024 · €41k
2022: €13k
2023: €33k
2024: €41k
2022 → 2025
Working capital
€41k▼ 50.3%
2024 · €83k
2022: €-14k
2023: €3k
2024: €83k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€13k-€47k▲ 247%€96k▲ 105%€96k▲ 0.5%
Operating result€17k-€42k▲ 150%€53k▲ 25.5%€607▼ 98.9%
Net result€13k-€33k▲ 147%€41k▲ 23.9%€457▼ 98.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 99% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132k
Fixed assets
€55k ▲ 52.7%
Current assets
€77k ▼ 33.9%
Equity and liabilities €132k
Equity
€96k ▲ 0.5%
Debt
€36k ▼ 36.9%
Debt's share of the balance-sheet total falls from 37.1% to 27.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €61k
Cash flow
€21k▼
2024 · €49k
Current ratio
2.16▼
2024 · 3.50
Debt to equity
0.37▼
2024 · 0.59
ROE
0.5%▼
2024 · 43.0%
ROA
0.3%▼
2024 · 27.0%
Interest coverage
144.10▼
2024 · 316.91
Debt ≤ 1 year
€36k▲
2024 · €33k
Staff costs
€40k▲
2024 · €33k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€152k€132k▼
Fixed assets21/28€36k€55k▲
Tangible fixed assets22/27€36k€55k▲
Plant, machinery and equipment23€1k€993▼
Furniture and vehicles24€14k€9k▼
Other tangible fixed assets26€21k€45k▲
Current assets29/58€116k€77k▼
Amounts receivable within one year40/41€46k€14k▼
Trade receivables40€35k-
Other amounts receivable41€11k€14k▲
Cash at bank and in hand54/58€70k€63k▼
Equity and liabilities
Total equity and liabilities10/49€152k€132k▼
Equity10/15€96k€96k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€88k€88k▲
Amounts payable17/49€56k€36k▼
Amounts payable within one year42/48€33k€36k▲
Trade debts44€16k€24k▲
Suppliers440/4€16k€24k▲
Taxes, remuneration and social security45€13k€11k▼
Taxes450/3€12k€7k▼
Remuneration and social security454/9€844€4k▲
Other amounts payable47/48€4k€636▼
Accrued charges and deferred income492/3€23k-
Income statement
Code20242025
Remuneration, social security and pensions62€33k€40k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€21k▲
Other operating charges640/8€3k€659▼
Gross operating margin9900€96k€63k▼
Operating profit (loss)9901€53k€607▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€193€150▼
Recurring financial charges65€193€150▼
Profit (loss) for the period before taxes9903€53k€457▼
Income taxes67/77€12k-
Profit (loss) for the period9904€41k€457▼
Profit (loss) for the period to be appropriated9905€41k€457▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€88k▲
Profit (loss) brought forward from the previous period14P€47k€88k▲
The notes to these accounts (6 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 237 days late
2025
31-12
Financial
Weakest financial yearnet €457 ▼98.9%
Net result drops to €457, the lowest in the series.
2024
31-12
Financial
Highest result since 2022net €41k ▲23.9%
Operating result €53k, net result €41k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.50
Current ratio from 1.04 to 3.50; short-term debt falls from €71k to €33k.
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 12current ratio 1.04
Current ratio from 0.09 to 1.04.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2022
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.
Turnhoutsebaan 882140 AntwerpenGround area
200 m²
Building footprint
200 m²
Volume, LiDAR
2,125 m³
Parcel 11006A0477/00E000, Flanders · tallest building 17.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hadiethshop Borgerhout
since 20222.329.930.397
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11006A0477/00E000 | Flanders | 200 m² | 1 · 200 m² | 17.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
YUMAN VILLAGE
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BE 0800.864.860
Sint-Katelijne-Waver · Eq €97,998
Goûts et Couleurs
BE 0695.658.957
Brugge · Eq €98,152
TOTCH
BE 0651.896.517
Pelt · Eq €98,236
Puur Wonen Sophie
BE 0748.896.715
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Of 1,045 companies in sector 47559 we hold annual accounts for 350. 282 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2022
Fiscal year end31-12
Trade name NL
Hadiet Shop
Activities, NACEBEL 2025
47559Retail sale of other household articles
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.