Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 2 of the last 2 fiscal years.
-
Two loss years in a row NBB
Negative result in 2022 and 2023.
-
Tight liquidity NBB
Cash and receivables cover 50 % of short-term debt in 2023; threshold 65 %.
-
Busy address KBO
33 other companies have their registered office at the same address; threshold 10.
-
Legal situation KBO
Opening faillissement according to the CBE.
Financials
Financial year 2023
RAYBUL FINANCE & LEASE from Sint-Agatha-Berchem, company number BE0773727428, closed financial year 2023 with a result of € -256,436 after tax. For that financial year RAYBUL FINANCE & LEASE recorded a gross margin of € -102,838 and equity of € -413,768. Compared with financial year 2022, the result moved from € -176,331 to € -256,436. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 27, 2024.
€ -413,768
▼ € 256,436 vs 2022
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -256,436
▼ 45 % more loss than in 2022
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € -432,768.
People and assets in 2023
€ 1.1 million
▲ 123% vs 2022
Of which on lease € 1.1 million.
Debts at end 2023
€ 929,151
▼ 17% vs 2022
€ 204,154 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 43,964
▼ 65% vs 2022
Supplier invoices still open on the last day of the fiscal year.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | Change 2022 → 2023 | |
|---|---|---|---|
| Gross margin | € -97,010 | € -102,838 | ▼ € 5,828 |
| Profit after taxes | € -176,331 | € -256,436 | ▼ € 80,105 |
| Equity | € -157,331 | € -413,768 | ▼ € 256,436 |
| Total debts | € 1,439,820 | € 2,224,854 | ▲ 55% |
| Cash | € 416,464 | - | |
| Retained profit | € -176,331 | € -432,768 | ▼ € 256,436 |
| Bank debt | € 1,119,421 | € 929,151 | ▼ 17% |
| Balance sheet total | € 1,282,489 | € 1,811,086 | ▲ 41% |
Key figures of RAYBUL FINANCE & LEASE, fiscal years 2022 to 2023, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2024 has not been filed yet; it was expected before 31 July 2025.
What happened to RAYBUL FINANCE & LEASE?
What happened at RAYBUL FINANCE & LEASE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
RAYBUL FINANCE & LEASE is active according to the CBE. Legal situation: Opening faillissement.
- New annual accounts for financial year 2023: loss of € 256,436. filed late Source: NBB ↗
- New establishment in Sint-Agatha-Berchem. KBO
- Raymond Umuhizi became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 176,331 loss in 2022 to € 256,436 loss in 2023.
A new publication or filing at RAYBUL FINANCE & LEASE? We notify you, reason included.
Follow RAYBUL FINANCE & LEASEDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind RAYBUL FINANCE & LEASE is Raymond Umuhizi.
Directors
According to the 2023 annual accounts
Raymond Umuhizi
Director
since 2021
Establishments
Establishment units
Physical locations of this company
Groot-Bijgaardenstraat 14
1082 Sint-Agatha-Berchem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 33 companies are registered at this address.
All companies at this address →Huis Alfons Simkens
€ 53,656 gross margin · 2024
SCALP RECORDS
€ -440 gross margin · 2025
Infoma
€ -8,571 gross margin · 2023
STAES FINANCIEEL MANAGEMENT
T. & C.C. INVEST
€ 4,351 gross margin · 2023
+28 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
- 0773.727.428
- VAT number
- BE 0773.727.428
- Registered office
- Groot-Bijgaardenstraat 14, 1082 Sint-Agatha-Berchem
- Names & denominations
- RAYBUL FINANCE & LEASE · RFL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Opening faillissement
- Start date
- 10 September 2021
- Peppol
- Not registered
- Activities · NACE
Verhuur en lease van vrachtwagens
Verhuur en lease van personenauto’s en andere lichte motorvoertuigen
Groothandel in andere motorvoertuigen (> 3,5 ton)
Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in andere motorvoertuigen (> 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)
Groothandel in auto's en lichte bestelwagens (= 3,5 ton)