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 34 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
RJ Fotografie from Geraardsbergen, company number BE0802799318, closed financial year 2025 with a result of € 2,940 after tax. For that financial year RJ Fotografie recorded a gross margin of € 16,325 and equity of € 32,173. Compared with financial year 2024, the result moved from € 5,188 to € 2,940. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 8, 2026.
€ 32,173
▲ 10% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2,940
▼ 43% vs 2024
Profit after tax over the fiscal year.
€ 5,391
▼ 15% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 29,173.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 1,560
▲ 103% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 80,627
▼ 9% vs 2024
€ 7,936 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 3,598
▼ 33% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 3,539
▼ 54% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 28,466 | € 11,537 | € 16,325 | ▲ 42% |
| Profit after taxes | € 21,045 | € 5,188 | € 2,940 | ▼ 43% |
| Equity | € 24,045 | € 29,233 | € 32,173 | ▲ 10% |
| Total debts | € 11,130 | € 102,668 | € 88,980 | ▼ 13% |
| Cash | € 9,085 | € 6,369 | € 5,391 | ▼ 15% |
| Retained profit | € 21,045 | € 26,233 | € 29,173 | ▲ 11% |
| Bank debt | € 990 | € 88,342 | € 80,627 | ▼ 9% |
| Balance sheet total | € 35,175 | € 131,901 | € 121,153 | ▼ 8% |
Key figures of RJ Fotografie, fiscal years 2023 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 RJ Fotografie?
What happened at RJ Fotografie in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 2,940 (▼ 43% vs 2024). Source: NBB ↗
- New establishment in Geraardsbergen. KBO
- Start of the company according to the CBE. KBO
In short
From € 21,045 profit in 2023 to € 2,940 profit in 2025.
Paid € 8,420 in corporate taxes since 2023.
Best year ever: 2023, with € 21,045 profit.
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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
Directors
According to the 2025 annual accounts
Ruth Ghijsels
Director
Establishments
Establishment units
Physical locations of this company
Moenebroekstraat(Sch) 66
9506 Geraardsbergen
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0802.799.318
- VAT number
- BE 0802.799.318
- Registered office
- Moenebroekstraat(Sch) 66, 9506 Geraardsbergen
- Names & denominations
- RJ Fotografie
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 June 2023
- Peppol
- Active · Active since 20 May 2025
- Activities · NACE
Activiteiten van fotografen, met uitzondering van persfotografen
Overige fotografische activiteiten