Ruben Raveel
ActiveRuben Raveel has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €136k and a net result of €74k. Its solvency ranks better than 90% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 6.23 against 6.21 in 2024; short-term debt: 8% and cash: 46.9% of total assets), and 8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
92%
Return on assets
49.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-01-2026, 22 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
22 d early
2024
on the day
← before the deadline
after the deadline →
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 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€136k▲ 118%
2024 · €62k
2024: €62k
2024 → 2025
Total assets
€148k▲ 101%
2024 · €73k
2024: €73k
2024 → 2025
Net result
€74k▲ 56.0%
2024 · €47k
2024: €47k
2024 → 2025
Working capital
€62k▲ 4.8%
2024 · €59k
2024: €59k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€62k-€136k▲ 118%
Operating result€60k-€93k▲ 55.3%
Net result€47k-€74k▲ 56.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 55% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €148k
Fixed assets
€74k▲ 2,487%
Current assets
€74k▲ 4.8%
Equity and liabilities €148k
Equity
€136k▲ 118%
Debt
€12k▲ 4.5%
The debt ratio falls from 15.4% to 8.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€103k▲
2024 · €61k
Cash flow
€83k▲
2024 · €48k
Solvency
92.0%▲
2024 · 84.6%
Current ratio
6.23▲
2024 · 6.21
Quick ratio
6.23▲
2024 · 6.21
Debt / equity
0.09▼
2024 · 0.18
ROE
54.2%▼
2024 · 75.9%
ROA
49.8%▼
2024 · 64.2%
Interest coverage
565.90▲
2024 · 368.88
Debt
€12k▲
2024 · €11k
Debt ≤ 1 year
€12k▲
2024 · €11k
Income taxes
€19k▲
2024 · €13k
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€73k€148k▲
Formation expenses20€194€0▼
Fixed assets21/28€3k€74k▲
Tangible fixed assets22/27€3k€74k▲
Plant, machinery and equipment23€3k€8k▲
Furniture and vehicles24-€65k
Current assets29/58€70k€74k▲
Amounts receivable within one year40/41€440€4k▲
Trade receivables40-€3k
Other amounts receivable41€440€725▲
Cash at bank and in hand54/58€70k€69k▼
Deferred charges and accrued income490/1€100€660▲
Equity and liabilities
Total equity and liabilities10/49€73k€148k▲
Equity10/15€62k€136k▲
Contributions10/11€15k€15k=
Reserves13€47k€121k▲
Distributable reserves133€47k€121k▲
Amounts payable17/49€11k€12k▲
Amounts payable within one year42/48€11k€12k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€8k€8k▲
Taxes450/3€8k€8k▲
Other amounts payable47/48€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€925€10k▲
Other operating charges640/8€138€0▼
Gross operating margin9900€61k€103k▲
Operating profit (loss)9901€60k€93k▲
Financial charges65/66B€165€182▲
Recurring financial charges65€165€182▲
Profit (loss) for the period before taxes9903€60k€93k▲
Income taxes67/77€13k€19k▲
Profit (loss) for the period9904€47k€74k▲
Profit (loss) for the period to be appropriated9905€47k€74k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€74k▲
Transfer to equity691/2€47k€74k▲
To other reserves6921€47k€74k▲
The notes to these accounts (5 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
09-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €100kEq €136k ▲118%
2 profitable years in a row build equity to €136k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2023
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.
Mantelhof 19052 GentGround area
694 m²
Building footprint
155 m²
Volume, LiDAR
1,087 m³
Parcel 44082B0181/00C002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Mantelhof 1, 9052 Gent
since 20232.349.600.316
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44082B0181/00C002 | Flanders | 694 m² | 1 · 154 m² | 8.8 m · 2 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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-08-2023
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.