RYBY
ActiveRYBY has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €47k. Equity is growing by ~55.8% per year across the filed fiscal years. Its solvency ranks better than 71% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+17
Solvency91▲+22
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.89 against 1.71 in 2024; short-term debt: 33.7% and cash: 27.8% of total assets), and 33.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
66.3%
Return on assets
40%
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
31 d early
2023
29 d late
2022
54 d early
2021
40 d early
2020
33 d early
2019
35 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▲ 135%
2024 · €33k
2018: €-21k
2019: €-17k
2020: €-14k
2021: €5k
2022: €18k
2023: €25k
2024: €33k
2018 → 2025
Total assets
€118k▲ 55.6%
2024 · €76k
2018: €27k
2019: €27k
2020: €53k
2021: €49k
2022: €59k
2023: €84k
2024: €76k
2018 → 2025
Net result
€47k▲ 461%
2024 · €8k
2018: €2k
2019: €4k
2020: €4k
2021: €18k
2022: €13k
2023: €7k
2024: €8k
2018 → 2025
Working capital
€75k▲ 150%
2024 · €30k
2018: €-21k
2019: €-17k
2020: €-16k
2021: €2k
2022: €15k
2023: €21k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€18k▲ 261%€25k▲ 41.0%€33k▲ 33.8%€78k▲ 135%
Operating result€25k-€16k▼ 35.4%€10k▼ 38.4%€9k▼ 15.0%€60k▲ 600%
Net result€18k-€13k▼ 30.8%€7k▼ 43.2%€8k▲ 16.0%€47k▲ 461%
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 600% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €118k
Fixed assets
€3k▼ 11.1%
Current assets
€115k▲ 58.6%
Equity and liabilities €118k
Equity
€78k▲ 135%
Debt
€40k▼ 6.3%
The debt ratio falls from 56.0% to 33.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60k▲
2024 · €9k
Cash flow
€48k▲
2024 · €9k
Solvency
66.3%▲
2024 · 44.0%
Current ratio
2.89▲
2024 · 1.71
Quick ratio
2.89▲
2024 · 1.71
Debt / equity
0.51▼
2024 · 1.27
ROE
60.4%▲
2024 · 25.2%
ROA
40.0%▲
2024 · 11.1%
Interest coverage
316.26▲
2024 · 68.73
Debt
€40k▼
2024 · €42k
Debt ≤ 1 year
€40k▼
2024 · €42k
Income taxes
€12k
Staff costs
€870
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€76k€118k▲
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€622€264▼
Furniture and vehicles24€622€264▼
Financial fixed assets28€3k€3k=
Current assets29/58€73k€115k▲
Amounts receivable within one year40/41€61k€82k▲
Trade receivables40€56k€81k▲
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€11k€33k▲
Deferred charges and accrued income490/1€772-
Equity and liabilities
Total equity and liabilities10/49€76k€118k▲
Equity10/15€33k€78k▲
Contributions10/11€15k€15k=
Reserves13€297€297=
Non-distributable reserves130/1€297€297=
Reserves not available under the articles1311€297€297=
Profit (loss) carried forward14€18k€63k▲
Amounts payable17/49€42k€40k▼
Amounts payable within one year42/48€42k€40k▼
Trade debts44€15k€1k▼
Suppliers440/4€15k€1k▼
Taxes, remuneration and social security45-€13k
Taxes450/3-€8k
Remuneration and social security454/9-€4k
Other amounts payable47/48€27k€26k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€870
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€358€358=
Gross operating margin9900€9k€61k▲
Operating profit (loss)9901€9k€60k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€129€190▲
Recurring financial charges65€129€190▲
Profit (loss) for the period before taxes9903€8k€60k▲
Income taxes67/77-€12k
Profit (loss) for the period9904€8k€47k▲
Profit (loss) for the period to be appropriated9905€8k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€63k▲
Profit (loss) brought forward from the previous period14P€10k€16k▲
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €47k ▲461%
Operating result €60k, net result €47k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Anderlecht · 1 establishment unit since 1988
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.
Bollinckxstraat 131070 AnderlechtGround area
1,964 m²
Building footprint
1,891 m²
Volume, LiDAR
19,625 m³
Parcel 21306D0232/00X000, Brussels · tallest building 19.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bollinckxstraat 13, 1070 Anderlecht
since 19882.037.691.371
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306D0232/00X000 | Brussels | 1,964 m² | 1 · 1,891 m² | 19.2 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.
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BE 0639.810.812
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AR CONSTRUCT
BE 0632.914.706
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CONKRET CONSTRUCT
BE 0783.243.326
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WALECO
BE 0899.571.367
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Of 4,270 companies in sector 43230 we hold annual accounts for 1,241. 1,043 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-1988
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:ryby.scrl@gmail.com
Phone:0493716350