RYAN
ActiveSummary
The computed 12-month bankruptcy probability of RYAN is 1.7% (moderate). The 2025 annual accounts show equity of €22k and a net result of €4k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 10359 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▲+46
Solvency100▲+32
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 4.07 against 1.58 in 2024; short-term debt: 21.3% and cash: 16.7% of total assets), and 21.3% 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
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 →
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
78.7%
Return on assets
14.7%
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 02-08-2026, 2 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 · 6 filingsDeviation from the deadline
2025
2 d late
2024
59 d late
2023
14 d late
2022
45 d early
2021
2 d late
2020
24 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, abbreviated schema
Equity
€22k▲ 22.9%
2024 · €18k
2020: €24k
2021: €26k
2022: €24k
2023: €22k
2024: €18k
2020 → 2025
Total assets
€29k▼ 32.4%
2024 · €42k
2020: €28k
2021: €32k
2022: €35k
2023: €33k
2024: €42k
2020 → 2025
Net result
€4k
2024 · €-4k
2020: €4k
2021: €2k
2022: €-2k
2023: €-2k
2024: €-4k
2020 → 2025
Working capital
€19k▲ 35.2%
2024 · €14k
2020: €24k
2021: €25k
2022: €20k
2023: €18k
2024: €14k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€24k▼ 6.6%€22k▼ 9.8%€18k▼ 16.1%€22k▲ 22.9%
Operating result€4k-€2k▼ 46.6%€1k▼ 34.4%€-1k€9k
Net result€2k-€-2k€-2k▼ 38.6%€-4k▼ 47.5%€4k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29k
Fixed assets
€4k ▼ 15.0%
Current assets
€25k ▼ 34.5%
Equity and liabilities €29k
Equity
€22k ▲ 22.9%
Debt
€6k ▼ 74.6%
Debt's share of the balance-sheet total falls from 56.7% to 21.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▲
2024 · €-657
Cash flow
€5k▲
2024 · €-3k
Current ratio
4.07▲
2024 · 1.58
Quick ratio
1.40▲
2024 · 0.99
Debt to equity
0.27▼
2024 · 1.31
ROE
18.6%▲
2024 · -19.2%
ROA
14.7%▲
2024 · -8.3%
Interest coverage
1.97▲
2024 · -0.33
Debt ≤ 1 year
€6k▼
2024 · €24k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€42k€29k▼
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Financial fixed assets28€3k€3k=
Current assets29/58€38k€25k▼
Stocks and contracts in progress3€14k€16k▲
Stocks30/36€14k€16k▲
Amounts receivable within one year40/41€3k€4k▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€21k€5k▼
Equity and liabilities
Total equity and liabilities10/49€42k€29k▼
Equity10/15€18k€22k▲
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Profit (loss) carried forward14€-2k€2k▲
Amounts payable17/49€24k€6k▼
Amounts payable within one year42/48€24k€6k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€19k€2k▼
Taxes450/3€684€262▼
Remuneration and social security454/9€18k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€674€674=
Other operating charges640/8€50€50=
Gross operating margin9900€3k€10k▲
Operating profit (loss)9901€-1k€9k▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Non-recurring financial charges66B€215-
Profit (loss) for the period before taxes9903€-4k€4k▲
Profit (loss) for the period9904€-4k€4k▲
Profit (loss) for the period to be appropriated9905€-4k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€2k▲
Profit (loss) brought forward from the previous period14P€2k€-2k▼
The notes to these accounts (4 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
02-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 2 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 4.07
Current ratio from 1.58 to 4.07; short-term debt falls from €24k to €6k.
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 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, Lasne · 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.
Chaussée de Louvain 4521380 LasneGround area
2,010 m²
Building footprint
168 m²
Volume, LiDAR
789 m³
Parcel 25076F0224/00H000, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Louvain 452, 1380 Lasne
since 20202.300.489.711
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076F0224/00H000 | Wallonia | 2,010 m² | 1 · 168 m² | 6.8 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
Food safety, FASFC
1 siteLasne2.300.489.711
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Of 1,266 companies in sector 47300 we hold annual accounts for 945. 561 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
Founded24-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.