RaphaelCO
ActiveSummary
RaphaelCO has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €179. Its solvency ranks better than 24% of 2043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-72
Solvency35▼-20
Growth52
Track record82
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2043 sector peers (2025).
NBB · sector comparisonPosition among 2043 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
16 d early
2024
21 d early
← 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
€3k▲ 6.8%
2024 · €3k
2024: €3k
2024 → 2025
Total assets
€28k▲ 219%
2024 · €9k
2024: €9k
2024 → 2025
Net result
€179▼ 92.9%
2024 · €3k
2024: €3k
2024 → 2025
Working capital
€2k▼ 40.2%
2024 · €3k
2024: €3k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€3k-€3k▲ 6.8%
Operating result€3k-€371▼ 89.2%
Net result€3k-€179▼ 92.9%
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 89% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€1k
Current assets
€27k
Equity and liabilities €28k
Equity
€3k ▲ 6.8%
Debt
€25k ▲ 310%
Debt's share of the balance-sheet total rises from 70.0% to 89.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€885
Cash flow
€694
Current ratio
1.06▼
2024 · 1.43
Debt to equity
8.95▲
2024 · 2.33
ROE
6.4%▼
2024 · 96.2%
ROA
0.6%▼
2024 · 28.9%
Interest coverage
1.04
Debt ≤ 1 year
€25k▲
2024 · €6k
Income taxes
€-215▼
2024 · €900
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€9k€28k▲
Fixed assets21/28-€1k
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Current assets29/58€9k€27k▲
Amounts receivable within one year40/41€3k€12k▲
Trade receivables40€3k€11k▲
Other amounts receivable41€459€1k▲
Cash at bank and in hand54/58€6k€4k▼
Deferred charges and accrued income490/1-€11k
Equity and liabilities
Total equity and liabilities10/49€9k€28k▲
Equity10/15€3k€3k▲
Contributions10/11€100€100=
Reserves13-€2k
Distributable reserves133-€2k
Profit (loss) carried forward14€3k€702▼
Amounts payable17/49€6k€25k▲
Amounts payable within one year42/48€6k€25k▲
Trade debts44€3k€11k▲
Suppliers440/4€3k€11k▲
Taxes, remuneration and social security45€900€685▼
Taxes450/3€900€685▼
Other amounts payable47/48€2k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€514
Other operating charges640/8-€3k
Gross operating margin9900€3k€4k▲
Operating profit (loss)9901€3k€371▼
Financial income75/76B-€443
Recurring financial income75-€443
Financial charges65/66B-€850
Recurring financial charges65-€850
Profit (loss) for the period before taxes9903€3k€-36▼
Income taxes67/77€900€-215▼
Profit (loss) for the period9904€3k€179▼
Profit (loss) for the period to be appropriated9905€3k€179▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€3k▲
Profit (loss) brought forward from the previous period14P-€3k
Transfer to equity691/2-€2k
To other reserves6921-€2k
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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 · 2 establishment units since 2024
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.
Mercuriuslaan 201180 UkkelGround area
965 m²
Building footprint
338 m²
Volume, LiDAR
4,628 m³
2 parcels, Brussels · tallest building 22.7 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
RWASSOCIATION
since 20242.365.950.952
CAFE PALCO
since 20252.381.739.186
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612D0082/00V003 | Brussels | 796 m² | 1 · 173 m² | 12.4 m · 3 fl. |
| 21447B0269/00M000 | Brussels | 170 m² | 1 · 165 m² | 22.7 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteElsene2.381.739.186
Similar companies · same sector, comparable size
RHINEGOLD CONSULTING
BE 0739.956.679
Maasmechelen · Eq €2,791
VANMEERBEEK JAN
BE 0685.868.885
Aalst · Eq €2,829
COOLDRIVE
BE 0801.453.293
Courcelles · Eq €2,734
LEMONI
BE 0882.142.546
Roeselare · Eq €2,883
KRISTOF COACHT
BE 0728.990.335
Antwerpen · Eq €2,700
Of 11,671 companies in sector 85599 we hold annual accounts for 1,329. 420 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
Founded07-11-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
85599Other education
82990Other business support services
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.