Age2 yrs
Real estate1 parcel · 6,606 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of De Raaf is 0.4% (very low). The 2024 annual accounts show equity of €90k and a net result of €90k. Its solvency ranks better than 44% of 12464 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Trust signals
2 signalsYoung company
Founded in 2023, 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 administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.4%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+
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€90k
Working capital€88k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 54.9% | 60.6% | |
| Net result | €90k | €31k | |
| Equity | €90k | €63k | |
| Gross operating margin | €116k | €52k | |
| Total assets | €165k | €124k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €115k |
| Net profit | €90k |
| Cash flow | €91k |
| Staff costs | - |
| Income taxes | €24k |
| Dividends | - |
| Total assets | €165k |
| Equity | €90k |
| Debt | €74k |
| of which ≤ 1y | €74k |
| of which > 1y | - |
| Working capital | €88k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 2.18 |
| Quick ratio | 2.18 |
| Working capital ratio | 53.3% |
| Solvency | 54.9% |
| Debt / equity | 0.82 |
| Long-term debt ratio | - |
| Interest coverage | 2575.84 |
| Gross margin | - |
| Net margin | - |
| ROA | 54.8% |
| ROE | 99.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €165k |
| Fixed assets | 21/28 | €3k |
| Tangible fixed assets | 22/27 | €3k |
| Current assets | 29/58 | €162k |
| Amounts receivable within one year | 40/41 | €1k |
| Investments | 50/53 | €50k |
| Cash & bank | 54/58 | €111k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €165k |
| Equity | 10/15 | €90k |
| Contributions / capital | 10/11 | €100 |
| Reserves | 13 | €90k |
| Amounts payable | 17/49 | €74k |
| Amounts payable within one year | 42/48 | €74k |
| Trade debts payable within one year | 44 | €27 |
| Income statement | ||
| Gross operating margin | 9900 | €116k |
| Operating result | 9901 | €114k |
| Financial charges | 65 | €45 |
| Result before taxes | 9903 | €114k |
| Income taxes | 67/77 | €24k |
| Net result for the period | 9904 | €90k |
| Result to be appropriated | 9905 | €90k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed93
/ 100
Excellent
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 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationPhilipssite 5, 3001 Leuven
since 20232.348.925.175
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area6,606 m²
Buildings1
Building footprint2,028 m²
Volume (LiDAR)47,312 m³
Tallest building32.1 m · ±9 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. |
|---|---|---|---|---|
| 24433E0025/00C002 | Flanders | 6,606 m² | 1 · 2,027 m² | 32.0 m · 9 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
1 acts Address history · 1
23-09-2025
Registered-office move
All acts · 1
updated 10 months ago
2025
23-09-2025 Registered office moved within Leuven
- Ketelmakerij 20, 3010 Leuven, België → Philipssite 5 bus 1 te 3001 Leuven
Analysis
Snowflake analysis
financial profile on 5 axes89
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
93
Profitability
100
Solvency
97
Growth
-
Stability
67
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameNL | De Raaf |
Registered office
Philipssite 5 bus 1
3001 Leuven, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.