Equity
€60,095 from €150,984 in 2022
Equity fell by 60% in 3 years.
RK WONINGBOUW
Lifetime
6 annual accounts with figures on one time axispeak €127,201 (2020)
€20,699▲ 24.1%
lowest -€35,689 (2023)
-€24,201▲ €6,799
peak €150,984 (2022)
€60,095▼ 28.7%
€84,920▼ 15.9%
Board1 name since 2019
1 directorKetelslegers Ronald
Documentsfilings and deeds
03-08-20263 days late
2025micro format
Gross margin from €16,675 to €20,699Loss of €24,201Equity from €84,296 to €60,095Debts from €100,979 to €84,920Cash from €13,195 to €33,996
Key points
from the 2025 annual accountsLosses
-€90,889 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
Position in the sector
-€24,201
Lower net result than 92% of companies in construction of buildings. Sector median €8,556 · 9,421 companies.
2025 accounts filed 3 days after the deadline
Checked score
64
Healthy
Financially stronger than 42% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,457 companies (NACE 41, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.3%
01-2025: 2.3%● unchanged vs 12-2024
02-2025: 2.2%▼ -0.1 percentage points vs 01-2025
03-2025: 2.2%● unchanged vs 02-2025
04-2025: 2.4%▲ +0.2 percentage points vs 03-2025
05-2025: 2.5%▲ +0.1 percentage points vs 04-2025
06-2025: 2.5%● unchanged vs 05-2025
07-2025: 2.7%▲ +0.2 percentage points vs 06-2025
08-2025: 3.2%▲ +0.5 percentage points vs 07-2025
09-2025: 2.9%▼ -0.3 percentage points vs 08-2025
10-2025: 2.9%● unchanged vs 09-2025
11-2025: 3.0%▲ +0.1 percentage points vs 10-2025
12-2025: 3.0%● unchanged vs 11-2025
01-2026: 3.0%● unchanged vs 12-2025
02-2026: 3.0%● unchanged vs 01-2026
03-2026: 2.4%▼ -0.6 percentage points vs 02-2026
04-2026: 2.6%▲ +0.2 percentage points vs 03-2026
05-2026: 2.5%▼ -0.1 percentage points vs 04-2026
06-2026: 2.5%● unchanged vs 05-2026
07-2026: 2.7%▲ +0.2 percentage points vs 06-2026
08-2026: 3.5%▲ +0.8 percentage points vs 07-2026highest value
09-2026: 1.3%▼ -2.2 percentage points vs 08-2026lowest value
10-2026: 1.3%● unchanged vs 09-2026lowest value
11-2026: 1.3%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2019
Loss of €24,201, the second in a row (financial year 2025)
lowers risk
Liquidity: current ratio 1.27, cash €33,996
Calculation
The band follows from the bankruptcy probability. 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 (NACE 41, micro). It does better than 49% of them on solvency, 74% on liquidity, 29% on profitability and 16% on growth.
The bankruptcy probability was computed on 06-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,591 companies had the same profile as RK WONINGBOUW has now. Each dot stands for 9 companies, two years later.
87.4%
were still trading
9.4%
stopped another way
3.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RK WONINGBOUW itself: 1.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,591 companies, not a prediction for RK WONINGBOUW. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.27 (1.4 in 2024), below the usual 1.5. Short-term debt is 26.1% and cash 23.4% of total assets. 58.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
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
202122232425
2020 to 2025 · latest year -€24,201
raises risk · 2025 accounts filed 3 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 6 filingsDeviation from the deadline
2025
3 days late
2024
19 days late
2023
19 days late
2022
18 days late
2021
26 days late
2020
20 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 18 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed 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. The company usually files around 19 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0738818415
Incorporation
published on 10-12-2019 · Gazette deed
First establishment
Millerweg 7, Tongeren-Borgloon
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RK WONINGBOUW Tongeren-Borgloon | €145,015 | €20,699 | 41.4% | - |
| ROEL STUKKEN Bilzen-Hoeselt | €137,454 | €22,755 | 34.9% | - |
| GJC Creations Houthalen-Helchteren | €170,718 | €25,820 | 27.2% | - |
| TOUSSAINT GUILLAUME Namur | €147,956 | €21,540 | 43.9% | - |
| M.Z DAKWERKEN SRL Grimbergen | €136,743 | €21,554 | 53.8% | - |
| DELNOOZ TOITURES Aubel | €143,798 | €23,466 | -2.0% | - |
| MONABO CONSTRUCT Brussels | €136,315 | €22,872 | 57.7% | 0.5 |
These companies have the same main activity as RK WONINGBOUW: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €136,000 and €171,000, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 06-12-2019Normal situation
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.296.979.0043700 Tongeren-Borgloon, since 06-12-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 28-11-2025
Insights on RK WONINGBOUW
RK WONINGBOUW files the micro format. That format states no turnover. The gross margin fell from €127,201 in 2020 to €20,699 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RK WONINGBOUW
- What is the company number of RK WONINGBOUW?
- The company number of RK WONINGBOUW is 0738.818.415. The VAT number is the same number with BE in front: BE 0738.818.415.
- Where is RK WONINGBOUW based?
- The registered office is at Millerweg 7, 3700 Tongeren-Borgloon.Company details
- What does RK WONINGBOUW do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of RK WONINGBOUW?
- RK WONINGBOUW is a private limited company (BV).
- When was RK WONINGBOUW founded?
- RK WONINGBOUW was founded on 06-12-2019.
- Is RK WONINGBOUW still active?
- Yes, RK WONINGBOUW is an active enterprise in the KBO register.
- What is the turnover of RK WONINGBOUW?
- The turnover in financial year 2025 is ≈ €250,000. This figure is estimated from the gross margin of €20,699 and 266 comparable companies (NACE 41001). It probably lies between €130,000 and €450,000. It is a rough estimate.Financials
- Is RK WONINGBOUW profitable?
- In financial year 2025, RK WONINGBOUW made a loss of €24,201.
- Where can I find the annual accounts of RK WONINGBOUW?
- RK WONINGBOUW filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RK WONINGBOUW due?
- RK WONINGBOUW must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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