Rizq Occasions
ActiveSummary
The computed 12-month bankruptcy probability of Rizq Occasions is 1.7% (moderate). The 2025 annual accounts show equity of €5k and a net result of €93k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 10359 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
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency26▼-74
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice 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 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
1%
Return on assets
18.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 10359 sector peers (2025).
NBB · sector comparisonPosition among 10359 sector peers
Solvency
better than 14%
← weakest
strongest →
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 04-05-2026, 88 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
88 d early
2024
1 d late
2023
18 d late
2022
30 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€5k▼ 98.9%
2024 · €449k
2022: €69k
2023: €217k
2024: €449k
2022 → 2025
Total assets
€498k▼ 12.9%
2024 · €571k
2022: €240k
2023: €452k
2024: €571k
2022 → 2025
Net result
€93k▼ 59.7%
2024 · €232k
2022: €64k
2023: €149k
2024: €232k
2022 → 2025
Working capital
€-670
2024 · €443k
2022: €60k
2023: €209k
2024: €443k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€69k-€217k▲ 216%€449k▲ 107%€5k▼ 98.9%
Operating result€85k-€193k▲ 126%€304k▲ 57.4%€119k▼ 60.7%
Net result€64k-€149k▲ 133%€232k▲ 56.1%€93k▼ 59.7%
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 falls in 2025; 2025 is 61% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €498k
Fixed assets
€6k ▼ 8.3%
Current assets
€492k ▼ 12.9%
Equity and liabilities €498k
Equity
€5k ▼ 98.9%
Debt
€493k ▲ 304%
Debt's share of the balance-sheet total rises from 21.3% to 99.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€122k▼
2024 · €306k
Cash flow
€97k▼
2024 · €235k
Current ratio
1.00▼
2024 · 4.64
Quick ratio
0.55▼
2024 · 3.29
Debt to equity
98.50▲
2024 · 0.27
ROA
18.8%▼
2024 · 40.6%
Interest coverage
190.40▼
2024 · 753.89
Debt ≤ 1 year
€493k▲
2024 · €122k
Income taxes
€25k▼
2024 · €71k
A ratio outside any meaningful range has been withheld (balance sheet total €498k, equity €5k).
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€571k€498k▼
Fixed assets21/28€6k€6k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€6k€3k▼
Financial fixed assets28€400€400=
Current assets29/58€565k€492k▼
Stocks and contracts in progress3€164k€223k▲
Stocks30/36€164k€223k▲
Amounts receivable within one year40/41€14k€158k▲
Trade receivables40€250€103k▲
Other amounts receivable41€13k€55k▲
Cash at bank and in hand54/58€387k€109k▼
Deferred charges and accrued income490/1€682€916▲
Equity and liabilities
Total equity and liabilities10/49€571k€498k▼
Equity10/15€449k€5k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€444k€0▼
Amounts payable17/49€122k€493k▲
Amounts payable within one year42/48€122k€493k▲
Trade debts44€8k€8k▼
Suppliers440/4€8k€8k▼
Taxes, remuneration and social security45€114k€4k▼
Taxes450/3€111k€4k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€0€480k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€3k€5k▲
Gross operating margin9900€309k€128k▼
Operating profit (loss)9901€304k€119k▼
Financial income75/76B€48€28▼
Recurring financial income75€48€28▼
Financial charges65/66B€406€643▲
Recurring financial charges65€406€643▲
Profit (loss) for the period before taxes9903€303k€119k▼
Income taxes67/77€71k€25k▼
Profit (loss) for the period9904€232k€93k▼
Profit (loss) for the period to be appropriated9905€232k€93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€444k€538k▲
Profit (loss) brought forward from the previous period14P€212k€444k▲
Profit to be distributed694/7-€538k
Return on contributions (dividend)694-€538k
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (15 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Highest result since 2022net €232k ▲56.1%
Operating result €304k, net result €232k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.64
Current ratio from 1.89 to 4.64; short-term debt falls from €235k to €122k.
18-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 18 days late
2023
31-12
Financial
Equity above €200kEq €217k ▲216%
2 profitable years in a row build equity to €217k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
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, Brecht · 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.
Kerkhovenakker laan A 302960 BrechtGround area
2,539 m²
Building footprint
346 m²
Volume, LiDAR
1,219 m³
2 parcels, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rizq Occasions
since 20222.331.172.789
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11043D0345/00R000 | Flanders | 2,130 m² | 1 · 265 m² | 9.8 m · 1 fl. |
| 11333D0827/00B000 | Flanders | 409 m² | 1 · 81 m² | - |
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.
Similar companies · same sector, comparable size
MDL Patrimonium
BE 0792.443.478
Sint-Martens-Latem · Eq €5,000
GMotors
BE 0767.456.971
Sambreville · Eq €5,000
Autoservice Hoboken
BE 0607.883.459
Antwerpen · Eq €4,999
MASAYA BEIROET
BE 0751.464.047
Wemmel · Eq €4,973
BE TRADING.BE
BE 0764.384.249
Wavre · Eq €5,048
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 1,535 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
Founded01-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
47530Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.