RAIN
ActiveSummary
RAIN has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €511k and a net result of €58k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 524 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-9
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 11.99 against 9.46 in 2024; short-term debt: 8% and cash: 7.8% of total assets), and 8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 72
Relative position
BE, all sectors
reference
Sector 72
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
92%
Return on assets
10.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 5 filingsDeviation from the deadline
2025
28 d late
2024
58 d late
2023
58 d late
2022
60 d late
2021
29 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€511k▲ 12.8%
2024 · €453k
2021: €167k
2022: €276k
2023: €362k
2024: €453k
2021 → 2025
Total assets
€555k▲ 10.3%
2024 · €503k
2021: €251k
2022: €409k
2023: €461k
2024: €503k
2021 → 2025
Net result
€58k▼ 36.5%
2024 · €91k
2021: €162k
2022: €108k
2023: €86k
2024: €91k
2021 → 2025
Working capital
€488k▲ 14.8%
2024 · €425k
2021: €118k
2022: €237k
2023: €330k
2024: €425k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€167k-€276k▲ 64.9%€362k▲ 31.3%€453k▲ 25.2%€511k▲ 12.8%
Operating result€230k-€156k▼ 32.2%€123k▼ 21.2%€130k▲ 6.2%€82k▼ 37.1%
Net result€162k-€108k▼ 33.1%€86k▼ 20.6%€91k▲ 5.8%€58k▼ 36.5%
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 2025; 2025 is 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €555k
Fixed assets
€23k ▼ 17.9%
Current assets
€532k ▲ 12.0%
Equity and liabilities €555k
Equity
€511k ▲ 12.8%
Debt
€44k ▼ 11.6%
Debt's share of the balance-sheet total falls from 10.0% to 8.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€98k▼
2024 · €144k
Cash flow
€74k▼
2024 · €105k
Current ratio
11.99▲
2024 · 9.46
Debt to equity
0.09▼
2024 · 0.11
ROE
11.3%▼
2024 · 20.1%
ROA
10.4%▼
2024 · 18.1%
Interest coverage
165.13▼
2024 · 177.16
Debt ≤ 1 year
€44k▼
2024 · €50k
Income taxes
€23k▼
2024 · €38k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€503k€555k▲
Fixed assets21/28€28k€23k▼
Tangible fixed assets22/27€28k€23k▼
Furniture and vehicles24€10k€8k▼
Other tangible fixed assets26€17k€15k▼
Current assets29/58€475k€532k▲
Amounts receivable within one year40/41€164k€97k▼
Trade receivables40€130k€47k▼
Other amounts receivable41€34k€51k▲
Current investments50/53€259k€339k▲
Cash at bank and in hand54/58€50k€43k▼
Deferred charges and accrued income490/1€3k€53k▲
Equity and liabilities
Total equity and liabilities10/49€503k€555k▲
Equity10/15€453k€511k▲
Contributions10/11€5k€5k=
Reserves13€448k€506k▲
Distributable reserves133€448k€506k▲
Amounts payable17/49€50k€44k▼
Amounts payable within one year42/48€50k€44k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Advances received on contracts in progress46-€25k
Taxes, remuneration and social security45€46k€18k▼
Taxes450/3€45k€18k▼
Remuneration and social security454/9€1k-
Income statement
Code20242025
Non-recurring operating income76A-€636
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€1k-
Non-recurring operating charges66A€179€332▲
Gross operating margin9900€146k€98k▼
Operating profit (loss)9901€130k€82k▼
Financial charges65/66B€865€784▼
Recurring financial charges65€815€594▼
Non-recurring financial charges66B€50€190▲
Profit (loss) for the period before taxes9903€129k€81k▼
Income taxes67/77€38k€23k▼
Profit (loss) for the period9904€91k€58k▼
Profit (loss) for the period to be appropriated9905€91k€58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€58k▼
Transfer to equity691/2€91k€58k▼
To other reserves6921€91k€58k▼
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €58k ▼36.5%
Net result drops to €58k, the lowest in the series.
31-12
Financial
Equity above €500kEq €511k ▲12.8%
5 profitable years in a row build equity to €511k.
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 58 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 9.46
Current ratio from 4.31 to 9.46; short-term debt falls from €100k to €50k.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Equity above €200kEq €276k ▲64.9%
2 profitable years in a row build equity to €276k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ukkel · 1 establishment unit since 2020
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.
Henri Van Zuylenstraat 311180 UkkelGround area
1.4 ha
Building footprint
658 m²
Volume, LiDAR
7,366 m³
Parcel 21614E0075/00X000, Brussels · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Henri Van Zuylenstraat 31, 1180 Ukkel
since 20202.305.117.304
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0075/00X000 ProtectedSite or landscapeDelvauxpark (Deel) |
Brussels | 1.4 ha | 1 · 657 m² | 16.3 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 1,177 companies in sector 72109 we hold annual accounts for 715. 482 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
72109Other research and development on natural sciences
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:rainer@regenberg.be