RYCH
ActiveSummary
RYCH has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €171k and a net result of €71k. Its solvency ranks better than 19% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability44
Solvency33
Growth-
Track record67
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days only on tighter terms
Liquidity tight (current ratio 1.25; short-term debt: 70% and cash: 32.9% of total assets), and 91.8% of the assets are financed with debt.
Credit check 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
8.2%
Return on assets
3.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 4157 sector peers (2025).
NBB · sector comparisonPosition among 4157 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 1 filingDeviation from the deadline
2025
17 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€71k
Working capital
€368k
Balance-sheet composition
Assets €2.08M
Fixed assets
€256k
Current assets
€1.83M
Equity and liabilities €2.08M
Equity
€171k
Debt
€1.91M
Debt finances 91.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€143k
Cash flow
€89k
Current ratio
1.25
Quick ratio
0.82
Debt to equity
11.16
ROE
41.7%
ROA
3.4%
Interest coverage
2.53
Debt ≤ 1 year
€1.46M
Income taxes
€16k
Staff costs
€1.17M
Filed annual accounts As filed with the NBB · 2025 · 53 lines
Balance sheet
Code2025
Assets
Total assets20/58€2.08M
Formation expenses20€2k
Fixed assets21/28€256k
Tangible fixed assets22/27€256k
Land and buildings22€7k
Plant, machinery and equipment23€153k
Furniture and vehicles24€95k
Leasing and similar rights25€1k
Current assets29/58€1.83M
Stocks and contracts in progress3€631k
Stocks30/36€631k
Amounts receivable within one year40/41€78k
Trade receivables40€205
Other amounts receivable41€78k
Cash at bank and in hand54/58€686k
Deferred charges and accrued income490/1€432k
Equity and liabilities
Total equity and liabilities10/49€2.08M
Equity10/15€171k
Contributions10/11€100k
Capital10€100k
Issued capital100€100k
Reserves13€4k
Non-distributable reserves130/1€4k
Legal reserve130€4k
Profit (loss) carried forward14€68k
Amounts payable17/49€1.91M
Amounts payable within one year42/48€1.46M
Current portion of amounts payable after more than one year42€44k
Trade debts44€1.20M
Suppliers440/4€1.20M
Taxes, remuneration and social security45€217k
Taxes450/3€22k
Remuneration and social security454/9€195k
Other amounts payable47/48€268
Accrued charges and deferred income492/3€454k
Income statement
Code2025
Remuneration, social security and pensions62€1.17M
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k
Other operating charges640/8€19k
Non-recurring operating charges66A€2k
Gross operating margin9900€1.33M
Operating profit (loss)9901€126k
Financial income75/76B€19k
Recurring financial income75€19k
Financial charges65/66B€56k
Recurring financial charges65€56k
Profit (loss) for the period before taxes9903€88k
Income taxes67/77€16k
Profit (loss) for the period9904€71k
Profit (loss) for the period to be appropriated9905€71k
Appropriation of the result
Profit (loss) to be appropriated9906€71k
Transfer to equity691/2€4k
To the legal reserve6920€4k
Social balance
Average headcount (FTE)908732.0
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
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 17 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 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
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, Liège · 1 establishment unit since 2025
Ground area
4,034 m²
Building footprint
398 m²
Volume, LiDAR
3,581 m³
Parcel 62805B0410/00H000, Wallonia · tallest building 29.1 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
RYCH
since 20252.367.582.928
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62805B0410/00H000 | Wallonia | 4,034 m² | 1 · 398 m² | 29.1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.367.582.928
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 4,347 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.