Ryco Horeca

Active

Private limited companyfounded 20224 yrs activeHeldenplein 10, 3500 Hasselt, BelgiumKBO/BCE: BE 0788.280.495

The computed 12-month bankruptcy probability of Ryco Horeca is 3.9% (moderate). The 2025 annual accounts show equity of €41k and a net result of €3k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 13061 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

77 / 100

Excellent▲ +11 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability37▲+5

Solvency68▲+16

Growth52=

Stability94

Bankruptcy probability, 12 months

3.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity tight (current ratio 1.04 against 1.04 in 2024), and 55.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 14-11-2025, 78 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

78 d early

2024

28 d early

2023

20 d early

← before the deadline after the deadline →

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 months

Position in the running window

30-06-2026 close14-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€41k▲ 7.9%

2024 · €38k

2023: €36k 2024: €38k

2023 → 2025

Total assets

€92k▼ 20.6%

2024 · €116k

2023: €116k 2024: €116k

2023 → 2025

Net result

€3k▲ 24.8%

2024 · €2k

2023: €26k 2024: €2k

2023 → 2025

Working capital

€1k▼ 37.9%

2024 · €2k

2023: €4k 2024: €2k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€36k-€38k▲ 6.8%€41k▲ 7.9%

Operating result€38k-€8k▼ 78.4%€9k▲ 4.8%

Net result€26k-€2k▼ 90.6%€3k▲ 24.8%

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 5% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €92k

55.6%

44.4%

Fixed assets €51k▼ 8.8%

Current assets €41k▼ 31.7%

Equity and liabilities €92k

44.4%

55.6%

Equity €41k▲ 7.9%

Debt €51k▼ 34.4%

The debt ratio falls from 67.3% to 55.6%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€17k▲

2024 · €16k

Cash flow

€11k▲

2024 · €10k

Solvency

44.4%▲

2024 · 32.7%

Current ratio

1.04▼

2024 · 1.04

Quick ratio

0.81▼

2024 · 0.85

Debt / equity

1.25▼

2024 · 2.06

ROE

7.3%▲

2024 · 6.3%

ROA

3.3%▲

2024 · 2.1%

Interest coverage

5.23▼

2024 · 5.70

Debt

€51k▼

2024 · €78k

Debt ≤ 1 year

€40k▼

2024 · €58k

Debt > 1 year

€12k▼

2024 · €21k

Income taxes

€3k▼

2024 · €3k

Staff costs

€33k▲

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€116k€92k▼

Fixed assets21/28€56k€51k▼

Intangible fixed assets21€3k€3k▼

Tangible fixed assets22/27€46k€42k▼

Plant, machinery and equipment23€28k€23k▼

Furniture and vehicles24€5k€5k▼

Other tangible fixed assets26€13k€14k▲

Financial fixed assets28€7k€7k=

Current assets29/58€60k€41k▼

Stocks and contracts in progress3€11k€9k▼

Stocks30/36€11k€9k▼

Amounts receivable within one year40/41€2k€3k▲

Trade receivables40€0-

Other amounts receivable41€2k€3k▲

Cash at bank and in hand54/58€46k€29k▼

Deferred charges and accrued income490/1€822€0▼

Equity and liabilities

Total equity and liabilities10/49€116k€92k▼

Equity10/15€38k€41k▲

Contributions10/11€10k€10k=

Reserves13€28k€31k▲

Distributable reserves133€28k€31k▲

Amounts payable17/49€78k€51k▼

Amounts payable after more than one year17€21k€12k▼

Financial debts170/4€21k€12k▼

Amounts payable within one year42/48€58k€40k▼

Current portion of amounts payable after more than one year42€9k€9k▲

Trade debts44€8k€10k▲

Suppliers440/4€8k€10k▲

Taxes, remuneration and social security45€21k€8k▼

Taxes450/3€11k€6k▼

Remuneration and social security454/9€9k€2k▼

Other amounts payable47/48€20k€13k▼

Accrued charges and deferred income492/3€0-

Income statement Code20242025

Remuneration, social security and pensions62€29k€33k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲

Other operating charges640/8€2k€2k▲

Gross operating margin9900€47k€52k▲

Operating profit (loss)9901€8k€9k▲

Financial income75/76B€243€732▲

Recurring financial income75€243€732▲

Financial charges65/66B€3k€3k▲

Recurring financial charges65€3k€3k▲

Profit (loss) for the period before taxes9903€6k€6k▲

Income taxes67/77€3k€3k▼

Profit (loss) for the period9904€2k€3k▲

Profit (loss) for the period to be appropriated9905€2k€3k▲

Appropriation of the result

Profit (loss) to be appropriated9906€2k€3k▲

Transfer to equity691/2€2k€3k▲

To other reserves6921€2k€3k▲

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-01-2027

2025

14-11

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

03-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-06

Financial Weakest financial yearnet €2k ▼90.6%

Net result drops to €2k, the lowest in the series; recovery starts the following year.

11-01

NBB filing Annual accounts filed

fiscal year 2023 · 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, Hasselt · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Heldenplein 103500 Hasselt

Ground area

329 m²

Building footprint

109 m²

Volume, LiDAR

699 m³

Parcel 71328D0359/00S007, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Les mecs

Heldenplein 10, 3500 HasseltFull-service restaurants

since 20222.333.213.056

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71328D0359/00S007	Flanders	328 m²	1 · 109 m²	10.4 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

Food safety, FASFC

1 site

Hasselt2.333.213.056

1 permission

Toelating · Eetgelegenheid · since 31-07-2022

Dual-learning approval

7 live approvals

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Kok (vwo)

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Goedgekeurd · 2024 to 2029

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Of 20,234 companies in sector 56111 we hold annual accounts for 11,312. 9,613 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded06-07-2022

Fiscal year end30-06

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.