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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Rydoo Finance is 0.3% (very low). The 2025 annual accounts show equity of €23.06M and a net result of €131k. Its solvency ranks better than 37% of 297 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 07-07-2026 | 24 d early | 2026-00261771 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.3%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€131k
Working capital€76.78M
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 07-07-2026 with the NBB · fiscal year 2025 · volledig
Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 28.8% | 42.2% | |
| Net result | €131k | €57k | |
| Equity | €23.06M | €207k | |
| Staff costs | €565k | €155k | |
| Employees (FTE) | 5.0 | 1.6 |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2025 |
|---|---|
| Deposit | volledig |
| Revenue | - |
| EBITDA | €-496k |
| Net profit | €131k |
| Cash flow | €132k |
| Staff costs | €565k |
| Income taxes | €157k |
| Dividends | - |
| Total assets | €80.05M |
| Equity | €23.06M |
| Debt | €56.98M |
| of which ≤ 1y | €1.95M |
| of which > 1y | €55.00M |
| Working capital | €76.78M |
| Employees (FTE) | 5.0 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 40.35 |
| Quick ratio | 40.35 |
| Working capital ratio | 95.9% |
| Solvency | 28.8% |
| Debt / equity | 2.47 |
| Long-term debt ratio | 2.38 |
| Interest coverage | -0.10 |
| Gross margin | - |
| Net margin | - |
| ROA | 0.2% |
| ROE | 0.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €80.05M |
| Formation expenses | 20 | €1.32M |
| Current assets | 29/58 | €78.73M |
| Amounts receivable within one year | 40/41 | €17.19M |
| Cash & bank | 54/58 | €5.17M |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €80.05M |
| Equity | 10/15 | €23.06M |
| Contributions / capital | 10/11 | €22.93M |
| Reserves | 13 | €7k |
| Accumulated profits (losses) | 14 | €124k |
| Amounts payable | 17/49 | €56.98M |
| Amounts payable after one year | 17 | €55.00M |
| Amounts payable within one year | 42/48 | €1.95M |
| Trade debts payable within one year | 44 | €425k |
| Income statement | ||
| Operating result | 9901 | €-496k |
| Financial income | 75 | €6.56M |
| Financial charges | 65 | €5.78M |
| Result before taxes | 9903 | €288k |
| Income taxes | 67/77 | €157k |
| Net result for the period | 9904 | €131k |
| Result to be appropriated | 9905 | €131k |
Ratios computed by Checked.
Health barometer
FY 2025 · computed58
/ 100
Fair
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Directors
Directors & mandates
6 directorsCurrent directors & mandates
-
Aidana ZhakupbekovaDirector (executive)State Gazette act 24153746 (25-10-2024)Current25-10-2024 → present
-
MARCHON Sébastien FlorentConseil d'administrationState Gazette act 24435803 (11-10-2024)Current26-09-2024 → present
-
PROKOPOS Nikolaos RafailConseil d'administrationState Gazette act 24435803 (11-10-2024)Current26-09-2024 → present
-
ZANKO NikolaConseil d'administrationState Gazette act 24435803 (11-10-2024)Current26-09-2024 → present
-
ZHAKUPBEKOVA Aidana TalgatovnaConseil d'administrationState Gazette act 24435803 (11-10-2024)Current26-09-2024 → present
Former directors (1)
-
HARA BenjaminManaging directorState Gazette act 24435803 (11-10-2024)Former- → 11-10-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200) |
| Legal form | Public limited company(014) |
| Incorporation | 22-07-2024 |
| Status | Active |
| Postal code | 2800 |
Structure & network
Locations & real estate
Registered office
on the map · from the address register
Mechelen
exact location from the address register
Establishment units
1 locationRydoo Finance
since 20242.361.964.351
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,600 m²
Buildings1
Building footprint631 m²
Volume (LiDAR)10,251 m³
Tallest building19.7 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403D0078/00A006 | Flanders | 2,600 m² | 1 · 631 m² | 19.7 m · 5 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Capital history · 1
11-10-2024
Capital change
All acts · 3
updated 1 year ago
2025
18-04-2025 Articles of association amended, full restatement of the articles
Summary:
De vennootschap heeft tot voorwerp alle activiteiten en verrichtingen van een financierings- en thesaurievennootschap, met inbegrip van liquiditeitsbeheer, cash pooling, factoring, netting, wissel- en…Notary:
Lars HANSEN · AntwerpenFirm:
Deckers notarissen
2024
25-10-2024 3 directors appointed
- Aidana Zhakupbekova, Directeur
- Aidana Zhakupbekova, Directeur
- Aidana Zhakupbekova, Directeur
11-10-2024 Capital increase of €22,869,967.23 to €22,931,467.23
- €61.500 → €22.931.467,23
Notary:
Tim CARNEWAL · BruxellesFirm:
Berquin Notaires
Analysis
Snowflake analysis
financial profile on 5 axes49
/ 100
Mixed profile: strong on solvency, weaker on profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
58
Profitability
3
Solvency
67
Growth
-
Stability
67
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Credit advice
verdict per customer and amountSimilar
Similar companies
Largest companies in this sector: this company is among the largest, so we show the sector's topCompany registry
Company registry (CBE)
Crossroads BankActivities
Ontwerpen van computerprogramma’s62100Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100
Primary activity highlighted.
Names & trade names
| Legal nameNL | Rydoo Finance |
Registered office
Hendrik Consciencestraat 40-42
2800 Mechelen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.