RYCCOM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €850k and a net result of €222. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 44% of 8018 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
13 d early
2023
59 d late
2022
9 d late
2021
54 d late
2020
4 d early
2019
60 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€850k▼ 2.7%
2024 · €873k
2018: €863k
2019: €469k
2020: €574k
2021: €638k
2022: €736k
2023: €795k
2024: €873k
2018 → 2025
Net result
€222▼ 99.7%
2024 · €88k
2018: €737k
2019: €93k
2020: €105k
2021: €64k
2022: €157k
2023: €60k
2024: €88k
2018 → 2025
Total assets
€1.91M▲ 59.3%
2024 · €1.20M
2018: €1.81M
2019: €1.54M
2020: €1.08M
2021: €1.09M
2022: €1.19M
2023: €1.20M
2024: €1.20M
2018 → 2025
Solvency
44.4%▼ 28.3pp
2024 · 72.7%
2018: 47.6%
2019: 30.4%
2020: 53.0%
2021: 58.4%
2022: 61.8%
2023: 66.5%
2024: 72.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€638k-€736k▲ 15.4%€795k▲ 8.1%€873k▲ 9.8%€850k▼ 2.7%
Operating result€87k-€213k▲ 144%€97k▼ 54.3%€146k▲ 50.3%€70k▼ 52.4%
Net result€64k-€157k▲ 144%€60k▼ 61.9%€88k▲ 46.6%€222▼ 99.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.91M
Fixed assets
€1.75M▲ 160%
Current assets
€164k▼ 69.0%
Equity and liabilities €1.91M
Equity
€850k▼ 2.7%
Provisions
€41k▼ 4.0%
Debt
€1.02M▲ 258%
The debt ratio rises from 23.8% to 53.4%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
44.4%▼
2024 · 72.7%
ROE
0.0%▼
2024 · 10.0%
ROA
0.0%▼
2024 · 7.3%
Debt
€1.02M▲
2024 · €285k
Debt ≤ 1 year
€173k▲
2024 · €101k
Debt > 1 year
€850k▲
2024 · €185k
Income taxes
€6k▼
2024 · €29k
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€1.20M€1.91M▲
Fixed assets21/28€673k€1.75M▲
Tangible fixed assets22/27€673k€1.75M▲
Land and buildings22€626k€1.71M▲
Plant, machinery and equipment23€351€94▼
Furniture and vehicles24€17k€15k▼
Other tangible fixed assets26€29k€21k▼
Financial fixed assets28€0-
Current assets29/58€529k€164k▼
Amounts receivable within one year40/41€62k€37k▼
Trade receivables40€31k€31k▲
Other amounts receivable41€31k€5k▼
Current investments50/53€0-
Cash at bank and in hand54/58€460k€120k▼
Deferred charges and accrued income490/1€7k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.91M▲
Equity10/15€873k€850k▼
Contributions10/11€19k€19k=
Reserves13€757k€733k▼
Tax-exempt reserves132€82k€82k=
Distributable reserves133€675k€651k▼
Profit (loss) carried forward14€98k€98k▲
Provisions and deferred taxes16€43k€41k▼
Provisions for liabilities and charges160/5€43k€41k▼
Other liabilities and charges164/5€43k€41k▼
Amounts payable17/49€285k€1.02M▲
Amounts payable after more than one year17€185k€850k▲
Financial debts170/4€185k€850k▲
Amounts payable within one year42/48€101k€173k▲
Current portion of amounts payable after more than one year42€62k€113k▲
Trade debts44€12k€7k▼
Suppliers440/4€12k€7k▼
Taxes, remuneration and social security45€15k€10k▼
Taxes450/3€15k€10k▼
Other amounts payable47/48€12k€42k▲
Accrued charges and deferred income492/3€0€895▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€215k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€1k€-2k▼
Other operating charges640/8€9k€10k▲
Gross operating margin9900€220k€293k▲
Operating profit (loss)9901€146k€70k▼
Financial income75/76B€8k€5k▼
Recurring financial income75€8k€5k▼
Financial charges65/66B€38k€69k▲
Recurring financial charges65€38k€69k▲
Profit (loss) for the period before taxes9903€116k€6k▼
Income taxes67/77€29k€6k▼
Profit (loss) for the period9904€88k€222▼
Transfer from tax-exempt reserves789€0-
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€88k€222▼
Appropriation of the result
Profit (loss) to be appropriated9906€108k€98k▼
Profit (loss) brought forward from the previous period14P€20k€98k▲
Transfer from equity791/2-€24k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€10k€24k▲
Return on contributions (dividend)694€10k€24k▲
The notes to these accounts (18 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €222 ▼99.7%
Net result drops to €222, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 59 days late
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 54 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 4.50
Current ratio from 1.36 to 4.50; short-term debt falls from €585k to €80k.
31-12
Financial
Equity above €500kEq €574k ▲22.4%
3 profitable years in a row build equity to €574k.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Alveringem · 1 establishment unit since 2015
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.
Hoogstadestraat 308690 AlveringemGround area
853 m²
Building footprint
189 m²
Volume, LiDAR
1,459 m³
Parcel 38011A0027/00R000, Flanders · tallest building 12.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RYCCOM
since 20152.238.933.907
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38011A0027/00R000 | Flanders | 853 m² | 1 · 189 m² | 12.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900C6EXCB3M6S0J66
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,045 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.