RTR
ActiveSummary
RTR has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €63k. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 68% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88▲+10
Solvency80▼-19
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.96 against 2.4 in 2024; short-term debt: 31.6% and cash: 27.2% of total assets), and 44.8% of the assets are financed with debt.
Credit check 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 · 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
Retail trade (NACE 47)
about 45% more 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
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
55.2%
Return on assets
15%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-02-2026, 25 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
on the day
2023
on the day
2022
on the day
2021
24 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€233k▼ 23.0%
2024 · €303k
2019: €413k
2020: €392k▼ -5.0% vs 2019
2021: €363k▼ -7.6% vs 2020
2022: €436k▲ +20.4% vs 2021highest in 7 years
2023: €315k▼ -27.9% vs 2022
2024: €303k▼ -3.7% vs 2023
2025: €233k▼ -23.0% vs 2024lowest in 7 years
2019 → 2025
Total assets
€423k▲ 2.6%
2024 · €412k
2019: €602khighest in 7 years
2020: €541k▼ -10.1% vs 2019
2021: €496k▼ -8.3% vs 2020
2022: €574k▲ +15.7% vs 2021
2023: €423k▼ -26.3% vs 2022
2024: €412k▼ -2.6% vs 2023lowest in 7 years
2025: €423k▲ +2.6% vs 2024
2019 → 2025
Net result
€63k▲ 104%
2024 · €31k
2019: €254khighest in 7 years
2020: €-21k▼ -108% vs 2019
2021: €-30k▼ -44.0% vs 2020lowest in 7 years
2022: €74k▲ +349% vs 2021
2023: €34k▼ -54.3% vs 2022
2024: €31k▼ -7.8% vs 2023
2025: €63k▲ +104% vs 2024
2019 → 2025
Working capital
€-6k
2024 · €54k
2019: €236khighest in 7 years
2020: €211k▼ -10.8% vs 2019
2021: €123k▼ -41.5% vs 2020
2022: €197k▲ +60.2% vs 2021
2023: €74k▼ -62.6% vs 2022
2024: €54k▼ -26.5% vs 2023
2025: €-6k▼ -111% vs 2024lowest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€363k-€436k▲ 20.4%€315k▼ 27.9%€303k▼ 3.7%€233k▼ 23.0%
2021: €363k
2022: €436k▲ +20.4% vs 2021highest in 5 years
2023: €315k▼ -27.9% vs 2022
2024: €303k▼ -3.7% vs 2023
2025: €233k▼ -23.0% vs 2024lowest in 5 years
Operating result€-26k-€99k€52k▼ 48.1%€47k▼ 9.4%€105k▲ 125%
2021: €-26klowest in 5 years
2022: €99k▲ +483% vs 2021
2023: €52k▼ -48.1% vs 2022
2024: €47k▼ -9.4% vs 2023
2025: €105k▲ +125% vs 2024highest in 5 years
Net result€-30k-€74k€34k▼ 54.3%€31k▼ 7.8%€63k▲ 104%
2021: €-30klowest in 5 years
2022: €74k▲ +349% vs 2021highest in 5 years
2023: €34k▼ -54.3% vs 2022
2024: €31k▼ -7.8% vs 2023
2025: €63k▲ +104% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 125% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €423k
Fixed assets
€295k ▼ 7.5%
Current assets
€128k ▲ 37.5%
Equity and liabilities €423k
Equity
€233k ▼ 23.0%
Provisions
€28k ▼ 7.1%
Debt
€162k ▲ 104%
Debt's share of the balance-sheet total rises from 19.2% to 38.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€121k▲
2024 · €63k
Cash flow
€79k▲
2024 · €47k
Current ratio
0.96▼
2024 · 2.40
Debt to equity
0.69▲
2024 · 0.26
ROE
27.2%▲
2024 · 10.3%
ROA
15.0%▲
2024 · 7.6%
Interest coverage
8.21▼
2024 · 32.49
Debt ≤ 1 year
€134k▲
2024 · €39k
Debt > 1 year
€27k▼
2024 · €40k
Income taxes
€29k▲
2024 · €16k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€412k€423k▲
Fixed assets21/28€319k€295k▼
Tangible fixed assets22/27€319k€295k▼
Land and buildings22€303k€291k▼
Furniture and vehicles24€15k€3k▼
Other tangible fixed assets26€987€917▼
Financial fixed assets28€50€50=
Current assets29/58€93k€128k▲
Amounts receivable within one year40/41€17k€11k▼
Trade receivables40€12k€11k▼
Other amounts receivable41€5k€48▼
Cash at bank and in hand54/58€74k€115k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€412k€423k▲
Equity10/15€303k€233k▼
Contributions10/11€3k€3k=
Reserves13€300k€230k▼
Tax-exempt reserves132€89k€83k▼
Distributable reserves133€211k€147k▼
Provisions and deferred taxes16€30k€28k▼
Deferred taxes168€30k€28k▼
Amounts payable17/49€79k€162k▲
Amounts payable after more than one year17€40k€27k▼
Financial debts170/4€38k€26k▼
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€39k€134k▲
Current portion of amounts payable after more than one year42€22k€26k▲
Trade debts44€674€1k▲
Suppliers440/4€674€1k▲
Taxes, remuneration and social security45€16k€20k▲
Taxes450/3€16k€20k▲
Remuneration and social security454/9-€635
Other amounts payable47/48-€86k
Accrued charges and deferred income492/3€1k€975▼
Income statement
Code20242025
Non-recurring operating income76A-€14k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▼
Other operating charges640/8€384€1k▲
Gross operating margin9900€63k€122k▲
Operating profit (loss)9901€47k€105k▲
Financial income75/76B€65€0▼
Recurring financial income75€65€0▼
Financial charges65/66B€2k€15k▲
Recurring financial charges65€2k€15k▲
Profit (loss) for the period before taxes9903€45k€90k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€16k€29k▲
Profit (loss) for the period9904€31k€63k▲
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€38k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€70k▲
Transfer from equity791/2€43k€133k▲
Transfer to equity691/2€38k€70k▲
To other reserves6921€38k€70k▲
Profit to be distributed694/7€43k€133k▲
Return on contributions (dividend)694€43k€133k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €20k | - | - | €14k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €13k | €14k | €16k | €16k | ▼ 1.4% |
| Other operating charges640/8 | - | €450 | €348 | €384 | €1k | ▲ 232% |
| Gross operating margin9900 | €-13k | €113k | €66k | €63k | €122k | ▲ 93.5% |
| Operating profit (loss)9901 | €-26k | €99k | €52k | €47k | €105k | ▲ 125% |
| Financial income75/76B | - | €0 | €0 | €65 | €0 | ▼ 99.7% |
| Recurring financial income75 | - | €0 | €0 | €65 | €0 | ▼ 99.7% |
| Financial charges65/66B | - | €6k | €2k | €2k | €15k | ▲ 663% |
| Recurring financial charges65 | €5k | €6k | €2k | €2k | €15k | ▲ 663% |
| Profit (loss) for the period before taxes9903 | €-31k | €94k | €49k | €45k | €90k | ▲ 101% |
| Transfer from deferred taxes780 | - | €2k | €2k | €2k | €2k | = |
| Income taxes67/77 | €579 | €22k | €18k | €16k | €29k | ▲ 83.3% |
| Profit (loss) for the period9904 | €-30k | €74k | €34k | €31k | €63k | ▲ 104% |
| Transfer from tax-exempt reserves789 | - | €6k | €6k | €6k | €6k | = |
| Profit (loss) for the period to be appropriated9905 | €-23k | €80k | €40k | €38k | €70k | ▲ 86.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €496k | €574k | €423k | €412k | €423k | ▲ 2.6% |
| Fixed assets21/28 | €343k | €331k | €320k | €319k | €295k | ▼ 7.5% |
| Tangible fixed assets22/27 | €343k | €331k | €320k | €319k | €295k | ▼ 7.5% |
| Land and buildings22 | - | €328k | €316k | €303k | €291k | ▼ 4.0% |
| Furniture and vehicles24 | - | €1k | €3k | €15k | €3k | ▼ 81.1% |
| Other tangible fixed assets26 | - | €1k | €1k | €987 | €917 | ▼ 7.1% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €153k | €243k | €103k | €93k | €128k | ▲ 37.5% |
| Amounts receivable within one year40/41 | €10k | €28k | €48k | €17k | €11k | ▼ 36.9% |
| Trade receivables40 | - | €28k | €9k | €12k | €11k | ▼ 12.2% |
| Other amounts receivable41 | - | €13 | €39k | €5k | €48 | ▼ 99.0% |
| Cash at bank and in hand54/58 | €141k | €212k | €53k | €74k | €115k | ▲ 55.4% |
| Deferred charges and accrued income490/1 | - | €3k | €1k | €2k | €2k | ▲ 13.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €496k | €574k | €423k | €412k | €423k | ▲ 2.6% |
| Equity10/15 | €363k | €436k | €315k | €303k | €233k | ▼ 23.0% |
| Contributions10/11 | - | €43k | €3k | €3k | €3k | = |
| Reserves13 | €357k | €351k | €312k | €300k | €230k | ▼ 23.2% |
| Non-distributable reserves130/1 | - | €11k | - | - | - | - |
| Reserves not available under the articles1311 | - | €11k | - | - | - | - |
| Tax-exempt reserves132 | - | €102k | €96k | €89k | €83k | ▼ 7.1% |
| Distributable reserves133 | - | €238k | €216k | €211k | €147k | ▼ 30.0% |
| Profit (loss) carried forward14 | €-38k | €43k | - | - | - | - |
| Provisions and deferred taxes16 | €36k | €34k | €32k | €30k | €28k | ▼ 7.1% |
| Deferred taxes168 | - | €34k | €32k | €30k | €28k | ▼ 7.1% |
| Amounts payable17/49 | €98k | €104k | €77k | €79k | €162k | ▲ 104% |
| Amounts payable after more than one year17 | €68k | €58k | €48k | €40k | €27k | ▼ 31.3% |
| Financial debts170/4 | - | €56k | €46k | €38k | €26k | ▼ 32.6% |
| Other amounts payable178/9 | - | €2k | €2k | €2k | €2k | = |
| Amounts payable within one year42/48 | €30k | €46k | €29k | €39k | €134k | ▲ 246% |
| Current portion of amounts payable after more than one year42 | - | €10k | €22k | €22k | €26k | ▲ 21.1% |
| Trade debts44 | €431 | €626 | €609 | €674 | €1k | ▲ 62.4% |
| Suppliers440/4 | - | €626 | €609 | €674 | €1k | ▲ 62.4% |
| Taxes, remuneration and social security45 | - | €30k | €6k | €16k | €20k | ▲ 25.1% |
| Taxes450/3 | - | €28k | €6k | €16k | €20k | ▲ 21.2% |
| Remuneration and social security454/9 | - | €2k | - | - | €635 | - |
| Other amounts payable47/48 | - | €5k | €457 | - | €86k | - |
| Accrued charges and deferred income492/3 | - | - | - | €1k | €975 | ▼ 7.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-30k | €74k | €34k | €31k | €63k | ▲ 104% |
| + Depreciation and write-downs630 | €12k | €13k | €14k | €16k | €16k | ▼ 1.4% |
| Operating cash flow (approximation) | €-18k | €87k | €47k | €47k | €79k | ▲ 68.1% |
| Investment in fixed assets (approximation) | - | €-1k | €-3k | €-15k | €8k | ▲ 155% |
| Change in cash | - | €71k | €-159k | €21k | €41k | ▲ 98.2% |
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
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €74k
Net result €74k after 2 loss-making years.
07-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Schilde · 1 establishment unit since 2005
Ground area
1,956 m²
Building footprint
168 m²
Volume, LiDAR
1,202 m³
Parcel 11039A0256/00K002, Flanders · tallest building 20.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nazarethdreef 1, 2970 Schilde
since 20052.261.444.637
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039A0256/00K002 | Flanders | 1,956 m² | 1 · 167 m² | 20.2 m · 2 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 6,502 companies in sector 47716 we hold annual accounts for 2,440. 1,723 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-01-2004
Fiscal year end30-06
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
Scores and ratios are computed by Checked and are not a credit decision.