Checked.be
Active
BE 0680.811.326Private limited company
RYMND
Stadsheimelijkheid 3 ·2800 Mechelen, Belgium· 8 yrs active
Sector: Other non-specialised retail sale
(47120)
Conclusion
RYMND has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €37k. Equity is growing by ~33.9% per year across the filed fiscal years. Its solvency ranks better than 26% of 17540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €14k |
| Net result | €37k |
| Better than sector | 26% |
| Active | 8 yrs |
Financial profile
72
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
66
Profitability
100
Solvency
18
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2017, past the statistically most fragile first 3 years.
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.
Checked score
66
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€1k
estimate, not credit advice
Score history
40
2020
0
2021
33
2022
22
2023
11
2024
66
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.08 (≥ 1.0)
+5
Quick ratio
Quick ratio 0.23 (< 0.6)
-5
Leverage
Debt/equity 13.68 (> 3.0)
-10
Profitability
ROE 272% (≥ 10%)
+10
Interest coverage
Interest coverage 10.2× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 23-04-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~33.9%/year over 6 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 6.8% | 34.6% | |
| Net result | €37k | €5k | |
| Equity | €14k | €44k | |
| Gross operating margin | €45k | €34k | |
| Total assets | €200k | €153k |
€479k
-
20-25
€44k
+218.4%
20-25
€37k
+3365.5%
20-25
€41k
+286.9%
20-25
€200k
-2.4%
20-25
€14k
-
20-25
€14k
-
20-25
0
-
20-25
€0
-100.0%
20-25
€186k
-18.4%
20-25
€181k
-14.1%
20-25
1.08
+13.4%
20-25
0.23
-25.2%
20-25
6.8%
-
20-25
13.68
-
20-25
271.6%
-
20-25
18.5%
+3451.3%
20-25
-30.0%
-
20-25
-29.9%
-
20-25
10.22
+261.8%
20-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | €479k |
| EBITDA | €44k | €14k | €-75k | €-8k | €-143k |
| Net profit | €37k | €1k | €-83k | €-31k | €-143k |
| Cash flow | €41k | €11k | €-74k | €-23k | €-142k |
| Staff costs | - | €0 | €160 | €255 | €2k |
| Income taxes | - | - | - | - | - |
| Dividends | - | - | - | - | - |
| Total assets | €200k | €205k | €201k | €564k | €173k |
| Equity | €14k | €-23k | €-24k | €59k | €-60k |
| Debt | €186k | €228k | €226k | €505k | €233k |
| of which ≤ 1y | €181k | €210k | €184k | €469k | €220k |
| of which > 1y | - | - | - | - | - |
| Working capital | €14k | €-10k | €3k | €74k | €-53k |
| Employees (FTE) | - | - | - | - | 0.3 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.08 | 0.95 | 1.02 | 1.16 | 0.76 |
| Quick ratio | 0.23 | 0.31 | 0.25 | 0.73 | 0.50 |
| Working capital ratio | 7.2% | -5.0% | 1.6% | 13.1% | -30.4% |
| Solvency | 6.8% | -11.4% | -12.1% | 10.5% | -34.7% |
| Debt / equity | 13.68 | -9.77 | -9.25 | 8.56 | -3.88 |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | 10.22 | 2.83 | -16.84 | -0.54 | -90.28 |
| Gross margin | - | - | - | - | -29.3% |
| Net margin | - | - | - | - | -30.0% |
| ROA | 18.5% | 0.5% | -41.4% | -5.5% | -82.9% |
| ROE | 271.6% | -4.6% | 341.8% | -52.4% | 239.0% |
| EBITDA margin | - | - | - | - | -29.9% |
| Days sales outstanding | - | - | - | - | 4d |
| Days payable outstanding | - | - | - | - | 38d |
| Inventory turnover | - | - | - | - | 10.61 |
| Days inventory (DSI) | - | - | - | - | 34d |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €200k | €205k | €201k | €564k | €173k |
| Fixed assets | 21/28 | €5k | €4k | €14k | €21k | €5k |
| Intangible fixed assets | 21 | €0 | €1k | €9k | €17k | - |
| Tangible fixed assets | 22/27 | €5k | €3k | €4k | €4k | €5k |
| Current assets | 29/58 | €195k | €200k | €187k | €543k | €168k |
| Stocks & contracts in progress | 3 | €153k | €135k | €141k | €200k | €58k |
| Amounts receivable within one year | 40/41 | €25k | €44k | €11k | €34k | €22k |
| Cash & bank | 54/58 | €17k | €21k | €36k | €52k | €87k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €200k | €205k | €201k | €564k | €173k |
| Equity | 10/15 | €14k | €-23k | €-24k | €59k | €-60k |
| Contributions / capital | 10/11 | €360k | €360k | €360k | €360k | €210k |
| Accumulated profits (losses) | 14 | €-346k | €-383k | €-384k | €-301k | €-270k |
| Amounts payable | 17/49 | €186k | €228k | €226k | €505k | €233k |
| Amounts payable within one year | 42/48 | €181k | €210k | €184k | €469k | €220k |
| Trade debts payable within one year | 44 | €26k | €60k | €20k | €285k | €64k |
| Income statement | ||||||
| Turnover | 70 | - | - | - | - | €479k |
| Gross operating margin | 9900 | €45k | €15k | €-74k | €-7k | €-140k |
| Operating result | 9901 | €40k | €4k | €-84k | €-16k | €-144k |
| Financial income | 75 | €1k | €2k | €5k | €0 | €3k |
| Financial charges | 65 | €4k | €5k | €4k | €15k | €2k |
| Result before taxes | 9903 | €37k | €1k | €-83k | €-31k | €-143k |
| Net result for the period | 9904 | €37k | €1k | €-83k | €-31k | €-143k |
| Result to be appropriated | 9905 | €37k | €1k | €-83k | €-31k | €-143k |
Legal Structure
| NACE primary | Other non-specialised retail sale(47120) |
| Legal form | Private limited company(610) |
| Incorporation | 07-09-2017 |
| Status | Active |
| Postal code | 2800 |
Establishment units
RYMND
since 20172.267.704.305
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025A0762/00A002 | Flanders | 1,655 m² | 1 · 505 m² | 17.5 m · 5 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €37k ▲3366%
Operating result €40k, net result €37k, both a record.
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after 4 loss-making years.
10-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 41 days late
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-143k
Net result drops to €-143k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Other non-specialised retail sale47120Retail trade47910Design of textile patterns, clothing, jewellery, furniture and decorative items74111
Names & trade names
| Legal nameNL | RYMND |
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