Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 49 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINANCIERE RIBER from Couvin, company number BE0440813233, closed financial year 2025 with a result of € 75,260 after tax. For that financial year FINANCIERE RIBER recorded revenue of € 1.1 million and equity of € 2.4 million. Compared with financial year 2024, the result moved from € 308,767 to € 75,260. The company is profitable. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 9, 2026.
€ 2.4 million
▼ 15% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 75,260
▼ 76% vs 2024
Profit after tax over the fiscal year.
€ 7,563
▲ 112% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 500,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
2
Average over the fiscal year, from the social balance sheet.
€ 120,577
▲ 3% vs 2024
€ 60,300 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 8,431
▼ 66% vs 2024
Of which on lease € 1,546.
Debts at end 2025
€ 3,582
▼ 78% vs 2024
Loans from banks and other lenders, long and short.
€ 8,503
▼ 56% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 4 days on average.
€ 182,201
▲ 12% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,008,842 | € 1,206,313 | € 1,073,949 | € 1,072,879 | |
| Profit after taxes | € 16,874 | € 432,356 | € 308,767 | € 75,260 | ▼ 76% |
| Equity | € 2,390,207 | € 2,522,563 | € 2,831,329 | € 2,406,589 | ▼ 15% |
| Total debts | € 2,641,864 | € 2,342,809 | € 1,659,450 | € 2,300,383 | ▲ 39% |
| Cash | € 43,067 | € 7,816 | € 3,569 | € 7,563 | ▲ 112% |
| Retained profit | € 761,545 | € 893,901 | € 1,202,667 | € 777,927 | ▼ 35% |
| Dividend | € 0 | € 300,000 | € 0 | € 500,000 | |
| Bank debt | € 173,001 | € 28,312 | € 16,007 | € 3,582 | ▼ 78% |
| Balance sheet total | € 5,032,071 | € 4,865,372 | € 4,490,779 | € 4,706,972 | ▲ 5% |
| Employees (FTE) | 1.9 | 2 | 2 | 2 |
Key figures of FINANCIERE RIBER, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to FINANCIERE RIBER?
What happened at FINANCIERE RIBER in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 75,260 (▼ 76% vs 2024). Source: NBB ↗
- New establishment in Couvin. KBO
- Start of the company according to the CBE. KBO
In short
From € 16,874 profit in 2022 to € 75,260 profit in 2025.
Paid € 106,278 in corporate taxes since 2022.
Best year ever: 2023, with € 432,356 profit.
Paid out € 800,000 in dividends to the owners in total.
Management
The stake of BLC HOLDING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FINANCIERE RIBERBehind FINANCIERE RIBER are Céline Riche, Bruno Riche and Laurent Riche. The shares are held by BLC HOLDING (100%). It owns 100% of Menuiserie Riche and 100% of STABILAME itself.
Directors
According to the 2025 annual accounts
Céline Riche
Managing director
Also active at: MENUISERIE RICHE, STABILAME, G.M.F., EnerCoBois, ARTHEMY, BLC HOLDING
Laurent Riche
Managing director
Also active at: MENUISERIE RICHE, STABILAME, PREFABOIS, EnerCoBois, BLC HOLDING
Shareholders
100%
Participations
100%
100%
Establishments
Establishment units
Physical locations of this company
Rue du Karting 5
5660 Couvin
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →MENUISERIE RICHE same network
€ 9.1 million revenue · 2025
STABILAME same network
€ 14.8 million revenue · 2025
G.M.F. same network
€ 34,423 gross margin · 2025
PREFABOIS same network
€ -138,654 gross margin · 2025
ARTHEMY same network
€ 198,551 gross margin · 2025
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0440.813.233
- VAT number
- BE 0440.813.233
- Registered office
- Rue du Karting 5, 5660 Couvin
- Names & denominations
- FINANCIERE RIBER
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 15 May 1990
- Peppol
- Active · Active since 16 Oct 2025
- Activities · NACE
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