Thomas Richez

Active

Private limited companyfounded 20233 yrs activeJozef Termoniastraat 1A, 1731 Asse, BelgiumKBO/BCE: BE 0799.989.979

Thomas Richez has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €63k and a net result of €13k. Its solvency ranks better than 65% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

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Checked score

Score 2024

87 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability88▼-12

Solvency97▲+18

Growth52

Track record94

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 3.46 against 2.53 in 2023; short-term debt: 28.4% and cash: 81.5% of total assets), and 28.4% 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

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

−lowers risk+raises risk○neutral

Lower-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← 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 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

on the day

2023

24 d late

← before the deadline after the 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 2024, micro schema

Equity

€63k▲ 27.1%

2023 · €49k

2023: €49k

2023 → 2024

Total assets

€87k▼ 3.7%

2023 · €91k

2023: €91k

2023 → 2024

Net result

€13k▼ 71.5%

2023 · €47k

2023: €47k

2023 → 2024

Working capital

€61k▲ 14.2%

2023 · €54k

2023: €54k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€49k-€63k▲ 27.1%

Operating result€65k-€17k▼ 73.3%

Net result€47k-€13k▼ 71.5%

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 2024; 2024 is 73% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €87k

98.5%

Fixed assets €1k▼ 34.6%

Current assets €86k▼ 3.0%

Equity and liabilities €87k

71.6%

28.4%

Equity €63k▲ 27.1%

Debt €25k▼ 40.1%

The debt ratio falls from 45.8% to 28.4%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€18k▼

2023 · €65k

Cash flow

€14k▼

2023 · €47k

Solvency

71.6%▲

2023 · 54.2%

Current ratio

3.46▲

2023 · 2.53

Quick ratio

3.46▲

2023 · 2.53

Debt / equity

0.40▼

2023 · 0.84

ROE

21.3%▼

2023 · 94.9%

ROA

15.2%▼

2023 · 51.5%

Interest coverage

97.31

Debt

€25k▼

2023 · €42k

Debt ≤ 1 year

€25k▼

2023 · €35k

Income taxes

€4k▼

2023 · €18k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€91k€87k▼

Fixed assets21/28€2k€1k▼

Tangible fixed assets22/27€2k€1k▼

Furniture and vehicles24€2k€1k▼

Current assets29/58€89k€86k▼

Amounts receivable within one year40/41€21k€15k▼

Trade receivables40€21k€10k▼

Other amounts receivable41-€5k

Cash at bank and in hand54/58€67k€71k▲

Equity and liabilities

Total equity and liabilities10/49€91k€87k▼

Equity10/15€49k€63k▲

Contributions10/11€3k€3k=

Reserves13€47k€60k▲

Distributable reserves133€47k€60k▲

Amounts payable17/49€42k€25k▼

Amounts payable within one year42/48€35k€25k▼

Trade debts44€2k€11k▲

Suppliers440/4€2k€11k▲

Taxes, remuneration and social security45€25k€4k▼

Taxes450/3€25k€4k▼

Other amounts payable47/48€9k€10k▲

Accrued charges and deferred income492/3€6k-

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76€686▲

Other operating charges640/8-€55

Gross operating margin9900€65k€18k▼

Operating profit (loss)9901€65k€17k▼

Financial charges65/66B-€185

Recurring financial charges65-€185

Non-recurring financial charges66B-€0

Profit (loss) for the period before taxes9903€65k€17k▼

Income taxes67/77€18k€4k▼

Profit (loss) for the period9904€47k€13k▼

Profit (loss) for the period to be appropriated9905€47k€13k▼

Appropriation of the result

Profit (loss) to be appropriated9906€47k€13k▼

Transfer to equity691/2€47k€13k▼

To other reserves6921€47k€13k▼

The notes to these accounts (4 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 2Filings 2

2025

31-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

24-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 24 days late

NBB filing

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, Asse · 1 establishment unit since 2023

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.

Jozef Termoniastraat 1A1731 Asse

Ground area

229 m²

Building footprint

69 m²

Volume, LiDAR

618 m³

Parcel 23095C0066/00N007, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Thomas Richez Consulting

Jozef Termoniastraat 1A, 1731 AsseRepair, maintenance and installation of machinery and equipment

since 20232.343.709.644

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23095C0066/00N007	Flanders	229 m²	1 · 69 m²	11.8 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.

Similar companies · same sector, comparable size

Sint-Pieters-Woluwe · Eq €63k

Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 39,186 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-03-2023

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.