RCPB HOLDING · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

RCPB HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €8.97M and a net result of €303k. Its solvency ranks better than 73% of 681 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	31-07-2025	on the day	2025-00350215
31-12-2023	31-07-2024	31-07-2024	on the day	2024-00324963

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

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 strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€8.97M+3.5%

Net result€303k+7.7%

Total assets€11.99M+0.3%

Solvency74.8%+2.3pp

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 31-07-2025 with the NBB · fiscal year 2024 · volledig

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	74.8%	44.8%	better than 73% of 681 sector peers
Net result	€303k	€47k	better than 73% of 680 sector peers
Equity	€8.97M	€1.35M	better than 69% of 681 sector peers
Gross operating margin	€525k	€42k	better than 95% of 372 sector peers
Total assets	€11.99M	€5.52M	better than 61% of 681 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€303k

+7.7% 23-24

Total assets

€11.99M

+0.3% 23-24

Equity

€8.97M

+3.5% 23-24

Income taxes

€101k

+8.0% 23-24

Debt

€3.02M

-8.2% 23-24

Debt ≤ 1y

€649k

+53.9% 23-24

Debt > 1y

€2.37M

-17.4% 23-24

Solvency

74.8%

+3.2% 23-24

Show 2 other metrics

ROE

3.4%

+4.0% 23-24

ROA

2.5%

+7.4% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	volledig
Revenue	n/a
EBITDA	n/a
Net profit	€303k
Cash flow	n/a
Staff costs	-
Income taxes	€101k
Dividends	-
Total assets	€11.99M
Equity	€8.97M
Debt	€3.02M
of which ≤ 1y	€649k
of which > 1y	€2.37M
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	74.8%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	2.5%
ROE	3.4%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2024

Assets

Fixed assets €11.88M · 99.1% Current assets €111k · 0.9%

Equity & liabilities

Equity €8.97M · 74.8% Debt €3.02M · 25.2%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€11.99M
Fixed assets	21/28	€11.88M
Tangible fixed assets	22/27	€69k
Financial fixed assets	28	€11.81M
Current assets	29/58	€111k
Amounts receivable within one year	40/41	€62k
Cash & bank	54/58	€48k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€11.99M
Equity	10/15	€8.97M
Contributions / capital	10/11	€8.39M
Accumulated profits (losses)	14	€585k
Amounts payable	17/49	€3.02M
Amounts payable after one year	17	€2.37M
Amounts payable within one year	42/48	€649k
Trade debts payable within one year	44	€44
Income statement
Gross operating margin	9900	€525k
Operating result	9901	€502k
Financial income	75	€0
Financial charges	65	€97k
Result before taxes	9903	€405k
Income taxes	67/77	€101k
Net result for the period	9904	€303k
Result to be appropriated	9905	€303k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

RCPB HOLDING

Rue de la Clef(MEL) 48C, 4633 SoumagneHoldings

since 20222.340.075.807

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area1.2 ha

Buildings2

Building footprint4,705 m²

Volume (LiDAR)29,276 m³

Tallest building8.1 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Wallonia 2 (100%)