R. to. R.
ActiveR. to. R. has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €237 and a net result of €5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+98
Solvency26▲+22
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 18237 sector peers (2025).
NBB · sector comparisonPosition among 18237 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
30 d late
2022
31 d late
2021
25 d late
2020
25 d late
2019
95 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€237
2024 · €-5k
2018: €14k
2019: €20k
2020: €24k
2021: €15k
2022: €4k
2023: €15k
2024: €-5k
2018 → 2025
Total assets
€23k▼ 4.5%
2024 · €24k
2018: €49k
2019: €51k
2020: €44k
2021: €34k
2022: €30k
2023: €38k
2024: €24k
2018 → 2025
Net result
€5k
2024 · €-20k
2018: €5k
2019: €6k
2020: €4k
2021: €-8k
2022: €-11k
2023: €10k
2024: €-20k
2018 → 2025
Working capital
€-9k▲ 51.7%
2024 · €-18k
2018: €9k
2019: €19k
2020: €17k
2021: €10k
2022: €-6k
2023: €-6k
2024: €-18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€4k▼ 71.1%€15k▲ 228%€-5k€237
Operating result€-8k-€-8k▼ 4.3%€13k€-18k€98
Net result€-8k-€-11k▼ 30.1%€10k€-20k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €98 after a loss of €18k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23k
Fixed assets
€9k▼ 31.0%
Current assets
€14k▲ 26.5%
Equity and liabilities €23k
Equity
€237
Debt
€23k
Debt finances 99.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€6k▲
2024 · €-9k
Cash flow
€11k▲
2024 · €-11k
Solvency
1.0%▲
2024 · -21.1%
Current ratio
0.62▲
2024 · 0.38
Quick ratio
0.44▲
2024 · 0.17
ROA
23.1%▲
2024 · -81.3%
Interest coverage
12.99▲
2024 · -7.10
Debt
€23k▼
2024 · €29k
Debt ≤ 1 year
€23k▼
2024 · €29k
Income taxes
€-6k▼
2024 · €852
Equity ratios withheld: equity of €237 is too small for a meaningful ratio.
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€24k€23k▼
Fixed assets21/28€13k€9k▼
Tangible fixed assets22/27€13k€9k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€7k€3k▼
Other tangible fixed assets26€600€2k▲
Financial fixed assets28€392€392=
Current assets29/58€11k€14k▲
Stocks and contracts in progress3€6k€4k▼
Stocks30/36€6k€4k▼
Amounts receivable within one year40/41€3k€6k▲
Trade receivables40€3k€2k▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€2k€4k▲
Deferred charges and accrued income490/1€574€873▲
Equity and liabilities
Total equity and liabilities10/49€24k€23k▼
Equity10/15€-5k€237▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-13k€-8k▲
Amounts payable17/49€29k€23k▼
Amounts payable within one year42/48€29k€23k▼
Trade debts44€20k€17k▼
Suppliers440/4€20k€17k▼
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Other amounts payable47/48€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€6k▼
Other operating charges640/8€916€1k▲
Gross operating margin9900€-8k€7k▲
Operating profit (loss)9901€-18k€98▲
Financial income75/76B€2€58▲
Recurring financial income75€2€58▲
Financial charges65/66B€1k€468▼
Recurring financial charges65€1k€468▼
Profit (loss) for the period before taxes9903€-19k€-312▲
Income taxes67/77€852€-6k▼
Profit (loss) for the period9904€-20k€5k▲
Profit (loss) for the period to be appropriated9905€-20k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-8k▲
Profit (loss) brought forward from the previous period14P€6k€-13k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-20k ▼294%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
03-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 95 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Overijse · 1 establishment unit since 1989
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.
Vossestraat 43090 OverijseGround area
72 m²
Building footprint
72 m²
Volume, LiDAR
298 m³
Parcel 23062B0349/00B000, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
R. to R.
since 19892.121.517.187
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0349/00B000 | Flanders | 72 m² | 1 · 72 m² | 6.5 m · 1 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 siteOverijse2.121.517.187
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BXL Conciergerie & Services
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Of 4,245 companies in sector 47789 we hold annual accounts for 1,020. 28 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-1989
Fiscal year end31-12
Activities, NACEBEL
47789Other retail sale of new goods
47890Retail trade
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 32 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.