RCG
ActiveSummary
RCG has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €783k and a net result of €109k. Equity is growing by ~33% per year across the filed fiscal years. Its solvency ranks better than 94% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 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
Profitability51▼-38
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 21.63 against 8.67 in 2024; short-term debt: 4.4% and cash: 3.9% of total assets), and 4.4% 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
lowers risk · 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 →
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 · 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
95.6%
Return on assets
13.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
8 d early
2023
on the day
2022
2 d early
2021
30 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€783k▼ 10.4%
2024 · €874k
2021: €211k
2022: €436k
2023: €659k
2024: €874k
2021 → 2025
Total assets
€819k▼ 16.4%
2024 · €980k
2021: €379k
2022: €561k
2023: €809k
2024: €980k
2021 → 2025
Net result
€109k▼ 49.4%
2024 · €215k
2021: €206k
2022: €226k
2023: €222k
2024: €215k
2021 → 2025
Working capital
€743k▼ 8.9%
2024 · €815k
2021: €223k
2022: €371k
2023: €593k
2024: €815k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€211k-€436k▲ 107%€659k▲ 50.9%€874k▲ 32.7%€783k▼ 10.4%
Operating result€270k-€326k▲ 20.9%€397k▲ 21.7%€390k▼ 1.6%€234k▼ 39.9%
Net result€206k-€226k▲ 9.8%€222k▼ 1.7%€215k▼ 3.0%€109k▼ 49.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 40% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €819k
Fixed assets
€40k ▼ 31.7%
Current assets
€779k ▼ 15.5%
Equity and liabilities €819k
Equity
€783k ▼ 10.4%
Debt
€36k ▼ 66.0%
Debt's share of the balance-sheet total falls from 10.8% to 4.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€264k▼
2024 · €418k
Cash flow
€138k▼
2024 · €243k
Current ratio
21.63▲
2024 · 8.67
Debt to equity
0.05▼
2024 · 0.12
ROE
13.9%▼
2024 · 24.6%
ROA
13.3%▼
2024 · 22.0%
Interest coverage
1.84▼
2024 · 5.16
Debt ≤ 1 year
€36k▼
2024 · €106k
Income taxes
€40k▼
2024 · €97k
Staff costs
€42k▲
2024 · €42k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€980k€819k▼
Fixed assets21/28€58k€40k▼
Tangible fixed assets22/27€58k€40k▼
Furniture and vehicles24€48k€31k▼
Other tangible fixed assets26€10k€9k▼
Current assets29/58€922k€779k▼
Amounts receivable within one year40/41€118k€103k▼
Trade receivables40€32k€20▼
Other amounts receivable41€86k€103k▲
Current investments50/53€769k€642k▼
Cash at bank and in hand54/58€34k€32k▼
Deferred charges and accrued income490/1€991€2k▲
Equity and liabilities
Total equity and liabilities10/49€980k€819k▼
Equity10/15€874k€783k▼
Contributions10/11€5k€5k=
Reserves13€663k€778k▲
Distributable reserves133€663k€778k▲
Profit (loss) carried forward14€206k€0▼
Amounts payable17/49€106k€36k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€106k€36k▼
Current portion of amounts payable after more than one year42€19k€0▼
Financial debts43€3k€5k▲
Credit institutions430/8€3k€5k▲
Trade debts44€3k€10k▲
Suppliers440/4€3k€10k▲
Taxes, remuneration and social security45€82k€21k▼
Taxes450/3€71k€10k▼
Remuneration and social security454/9€11k€11k▲
Accrued charges and deferred income492/3€0€114▲
Income statement
Code20242025
Remuneration, social security and pensions62€42k€42k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€29k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€463k€307k▼
Operating profit (loss)9901€390k€234k▼
Financial income75/76B€3k€57k▲
Recurring financial income75€3k€57k▲
Financial charges65/66B€81k€143k▲
Recurring financial charges65€81k€143k▲
Profit (loss) for the period before taxes9903€312k€149k▼
Income taxes67/77€97k€40k▼
Profit (loss) for the period9904€215k€109k▼
Profit (loss) for the period to be appropriated9905€215k€109k▼
Appropriation of the result
Profit (loss) to be appropriated9906€421k€315k▼
Profit (loss) brought forward from the previous period14P€206k€206k=
Transfer to equity691/2€215k€115k▼
To other reserves6921€215k€115k▼
Profit to be distributed694/7-€200k
Return on contributions (dividend)694-€200k
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
08-05
State Gazette act
Board meeting · Permanent representative
General meeting · Director resignation
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €109k ▼49.4%
Net result drops to €109k, the lowest in the series.
30-09
Financial
Liquidity doublescurrent ratio 21.63
Current ratio from 8.67 to 21.63; short-term debt falls from €106k to €36k.
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €500kEq €659k ▲50.9%
3 profitable years in a row build equity to €659k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2021net €226k ▲9.8%
Net result €226k, the highest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Wavre · 1 establishment unit since 2020
Ground area
1,245 m²
Building footprint
144 m²
Volume, LiDAR
1,034 m³
Parcel 25772I0089/00M003, Wallonia · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
RCG
since 20202.307.139.654
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25772I0089/00M003 | Wallonia | 1,245 m² | 1 · 144 m² | 10.9 m · 2 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
Legal Entity Identifier
2549008NDIZZ3YA70R21
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,572. 30,466 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
Founded26-08-2020
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.